大学英语四级改革适用(阅读)模拟试卷275及答案解析.doc
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1、大学英语四级改革适用(阅读)模拟试卷 275 及答案解析(总分:60.00,做题时间:90 分钟)一、Reading Comprehensio(总题数:6,分数:60.00)1.Part III Reading Comprehension(分数:10.00)_2.Section C(分数:10.00)_Costlysometimes abusivecredit cards are bleeding millions of borrowers who didnt know what they were getting into. The bottom-feeding cardsfor peopl
2、e with damaged creditoffer you a decent interest rate on credit lines “up to“ $3,000. When the card arrives, however, your line might be only $250. And then come the fees! Theyre charged to your tiny credit line, leaving you almost nothing to spend. Two better-known card issuers with a big loan busi
3、ness are Capital One and HSBCs Orchard Bank. They charge lower upfront fees than other cards do. But if you fall behind, its tough. Cap Ones penalty rate is currently 28.15 percent. Orchard Bank doesnt disclose its penalty rate online and wouldnt tell you what it is. Cap One has a reputation for iss
4、uing multiple cards to people who bump up against their credit limits. That gives them two cards, with two low limits, to overspend. Lenders have figured out many ways of extracting fees. Theres “universal default“, where a late payment on one card can trigger high penalty rates on every card you ow
5、n. Theres the “endless late fee“, where your payments never catch up with the new penalties youre charged. Theres “two-cycle billing“too complicated to explain here, but which amounts to charging interest on balances that youve already paid. And “retroactive (追溯的) price hikes,“ where banks impose hi
6、gher rates on old balances as well as new ones. These practices startle consumers who think such high fees and interest rates must be against the law. But the Supreme Court effectively deregulated credit card rates 30 years ago, and 10 years ago it deregulated the size of the fees a bank could charg
7、e. Prior to fee deregulation, late fees hovered between $13 and $15, says Robert McKinley of CardW, which tracks the business. Now they run from $30 to $40. “Its out of control,“ he says. “Banks know theyve pushed this too far.“ This year, however, the new Congress started holding hearings. Suddenly
8、 Citi dropped universal default and JPMorgan Chase ended two-cycle billing. But those are just gestures. Without fee caps or laws restricting the usually high rate of interest, were in the bankers hands.(分数:10.00)(1).The bottom-feeding cards are issued to people who _.(分数:2.00)A.has a low incomeB.ex
9、pects a low interest rateC.has a bad reputation in repaymentD.is thoughtless when using credit cards(2).What does the author think about the “multiple cards“ practice of Cap One?(分数:2.00)A.The bank may have more bad debts.B.The bank may become more popular.C.Borrowers may have their credit limits in
10、creased.D.Borrowers may fall into a multiple-penalty trap.(3).What do consumers never expect, according to the passage?(分数:2.00)A.The higher rates now can affect balances in the past.B.Lenders can figure out so many ways to extract fees.C.They can borrow from the banks easily.D.They have to pay both
11、 fees and interest.(4).The word “deregulate“ (Line 3, Para. 5) can best be replaced by _.(分数:2.00)A.impose rules onB.lift the control onC.rule againstD.specify(5).According to the author, what Citi and JPMorgan Chase did showed that they were _.(分数:2.00)A.reflectiveB.irresponsibleC.insincereD.compro
12、misingNearly 5,000 people below the age of 21 die because of excessive alcohol consumption each year. Oddly, this has triggered a new movement to lower the drinking age. In America, young people can vote, drive, marry, divorce, hunt and go to war before alcohol is legally allowed to touch their lips
13、. Many states once set their minimum drinking-age at 18. But in 1984 Ronald Reagan oversaw the passage of the “21 law“, which requires states to set 21 as the minimum drinking-age or risk losing 10% of their highway funds. Now campaigners want to move it back. In the past, states have been too finan
14、cially timid to challenge the 21 law. But calls for change are growing louder. Two local judges in South Carolina recently ruled that banning 18- to 20-year-olds from drinking or possessing alcohol is unconstitutional. Public officials, including the former attorney general of South Dakota, have cal
15、led the 21 law a failure. The about-face of Morris Chafetz, a doctor who served on the commission that recommended increasing the drinking-age to 21, has also raised eyebrows. This week he called it the most regrettable decision of his career. Supporters of existing status, including the organisatio
16、n Mothers Against Drunk Driving, say that the law has helped avoid thousands of deaths. But doubters point out that other countries, like Canada, have seen similar declines, even though their drinking-age is 18. They also argue that barring young people from drinking does not stop them from consumin
17、g alcohol: it just makes them drink more quickly. John McCardell, former president of Middlebury College in Vermont, is part of the Amethyst Initiative, a group of educators who are pushing for 18-year-olds to be allowed to drink. “Those who have graduated from high school, have a clean record and c
18、ompleted an alcohol-education programme should qualify for a drinking licence,“ he says, “in the same way that people who go to driving school receive a licence to operate a vehicle.“ This is not the first time that Americans have desired a change in alcohol policy during a period of economic distre
19、ss. Franklin Roosevelt lifted prohibition in 1933 amid the trouble of a depression.(分数:10.00)(1).All the U.S. state governments used to follow the “21 law“ because _.(分数:2.00)A.its passage was supervised by Reagan personallyB.most citizens believed that it was reasonableC.they couldnt afford to take
20、 the financial riskD.it took much time and money to get a law passed(2).What is Morris Chafetzs attitude towards the “21 law“ now?(分数:2.00)A.He demands that the law not be changed.B.He supports lowering the drinking age.C.He regrets that few people support the law.D.He is surprised by the judges rul
21、ing.(3).In Canada, where the drinking age is 18, _.(分数:2.00)A.young people want to begin drinking at a lower ageB.people are increasingly doubtful about the “18 law“C.fewer and fewer people support the “18 law“D.fewer young people die from drunk driving(4).John McCardell suggests that_.(分数:2.00)A.18
22、-year-olds should learn for a license before they can drinkB.a drinking school should be opened for high school studentsC.one should get a license before they can drinkD.any 18-year-olds should be qualified to drink(5).What did Franklin Roosevelt do during the 1933 depression?(分数:2.00)A.He lifted th
23、e trouble of a depression.B.He changed the alcohol policy.C.He decided to ban alcohol.D.He desired a change in alcohol policy.Thoughts of suicide haunted Anita Rutnam long before she arrived at Syracuse University. She had a history of mental illness and had even attempted to kill herself. During he
24、r junior year of college, she tried again. On a February morning in 1998, just days after a campus counselor recommended she be hospitalized for her suicidal tendencies, Rutnam threw herself off the eighth floor of a Syracuse dormitory. Miraculously, she survived. But three years later, Rutnam still
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