试题库在线考试题库-历年真题模拟试题及答案-考博英语在线试题测试中心-希赛网

江西财经大学

For decades, people had continued to pay down mortgages until their last cent was spent. Now, increasing numbers were giving up their homes even as they continued to service other debts. Faced with a plunge in house prices across the US — something that has not happened since the Great Depression of the 1930s — the mortgage industry is already dealing with a surge in the numbers of people defaulting on their payments.The concern is that the losses on risky subprime mortgages could soon swell further as people with good credit history decide it is not worth continuing to make payments on houses worth less that the loan. House prices in the US are already 20 per cent from the 2006 highs and are forecast to keep falling. For many, especially those who have put little of their own money into a house, sending back the keys could be perfectly rational. The practice has given a name in the industry — “jingle mail” — and there are even companies specializing in helping people with the decision. Youwalkway.com, one such service, almost makes it sound an alluring prospect, “what if you could live payment-free for up to eight months or more and walk away without owing a penny?” the website asks.Larry Rosenberger, arguably one of the most experienced crunchers of consumer debt statistics around, was meeting the consortium of mortgage lenders to talk about analyzing their data from clues about which people in negative equity could be expected to keep paying down their mortgages. They said, “we’re getting killed with losses, can we figure out more accurately who will do what, so we can be more accommodating with some borrowers but not with others,” Mr. Rosenberger says.The accuracy of the models used by the likes of Mr. Rosenberger to flag good and bad customers could make a huge difference to the losses that lenders eventually have to absorb — losses that will, in turn, determine the availability of fresh funds for new loans. His approach was to seek clues to people’s future actions in their past behaviors. For example, people with children at local schools may be less likely to walk away than people without school-age children. People with mortgages on second homes may be more likely to give up the investment.26. Which of the following is NOT true according to Paragraph 1?27. People stop paying house mortgages because（）.28. The worrying situation in mortgage industry（）.29. What do you think Larry Rosenberger does?30. What does the underlined word “flag” mean in Paragraph 4?

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Passage OneIt is all very well to blame traffic jams, the cost of petrol and the quick pace of modern lite, but manners on the roads are becoming horrible. Everybody knows that the nicest men become monsters behind the wheel. It is very well, again, to have a tiger in the tank, but to have one in the driver’s seat is another matter altogether. You might tolerate the odd road-hog, the rude and inconsiderate driver, but nowadays the well-mannered motorist is the exception to the rule. Perhaps the situation calls for a “Be Kind to Other Drivers” campaign, otherwise it may get completely out of hand.Road politeness is not only good manners, but good sense too. It takes the most cool-headed and good-tempered of drivers to resist the temptation to revenge when subjected to uncivilized behavior. On the other hand, a little politeness goes a long way towards relieving the tensions of motoring. A friendly nod or a wave of acknowledgement in response to an act of politeness helps to create an atmosphere of goodwill and tolerance so necessary in modern traffic conditions. But such acknowledgements of politeness are all too rare today. Many drivers nowadays don’t even seem able to recognize politeness when they see it.However, misplaced politeness can also be dangerous. Typical examples are the driver who brakes violently to allow a car to emerge from a side street at some hazard to following traffic, when a few seconds later the road would be clear anyway; or the man who waves a child across a zebra crossing into the path of oncoming vehicles that may be unable to stop in time. The same goes for encouraging old ladies to cross the road wherever and whenever they care to. It always amazes me that the highways are not covered with the dead bodies of these grannies.A veteran driver whose manners are faultless, told me it would help if motorists learnt to filter correctly into traffic streams one at a time without causing the total blockages that give rise to bad temper. Unfortunately, modern motorists can’t even learn to drive, let alone master the subtler aspects of boatmanship. Years ago the experts warned us that the car-ownership explosion would demand a lot more give-and-take from all road users. It is high time for all of us to take this message to heart.21. According to this passage, troubles on the road are primarily caused by （）.22. The sentence “You might tolerate the odd road-hog... the rule.” (Paragraph 1) implies that（）.23. By “good sense” (Paragraph 2), the writer means（）.24. Experts have long pointed out that in the face of car-ownership explosion,（）.25. In the writer’s opinion,（）.

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There are 10 blanks in the following passage. For each blank there are four choices marked A, B, C and D. You should choose the ONE that best fits into the passage. (1’*10=10’)Regardless of their political affiliation, in all countries women must overcome a host of stumbling blocks that limit their political careers. “Most obstacles to progress consist of（11）of various kinds,” says the Inter-Parliamentary Union (IPU), a Geneva-based organization（12）139 parliaments, including the lack of time, training, information, self-confidence, money, support, motivation, women’s networks and solidarity between women.In every culture, prejudice and stereotypes（13）hard. The belief still holds（14）that women belong in the kitchen and with the children, not at election（15）or in the Speaker’s chair. The media often reinforce traditional images of women, who upon entering politics, also bear the brunt（正面冲击）of verbal and physical（16）.In impoverished（贫穷的）countries racked by civil conflicts and deteriorating economic and social conditions, women are（17）by the tasks of managing everyday life and looking after their families.The IPU stresses the general lack of child-care facilities — often（18）a privileged few — the reluctance of political parties to change the times and running of meetings and the weak backing women receive from their families. That support, which is（19）as well as financial, is all the more vital because women have internalized（20）images of themselves since the dawn of time and often suffer from low self-confidence.

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Able to go almost anywhere, even over the mountainous Allegheny barrier, the railroad（）terrain and weather.

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The road outside the school is a menace to the children’s safety. The underlined part means（）.

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