Cash is no longer king as far as most Australians and South Koreans are concerned as more than eight in ten pay less often in cash today than they did five years ago, according to a survey released on Monday.   50   , 69 percent of Americans surveyed use less cash than five years ago,   51    in Asia the figures were generally    52   , with Singapore at 45 percent, said MasterCard Worldwide.

Shuan Ghaidan, MasterCard’s Asia Pacific head of product sales and delivery, said one 53    for the    54    use of cash in Australia was the growing    55    of debit cards (借記卡), while in South Korea contactless payment on mobile phones had been popular. Credit cards    56    be used for higher value transactions, he said. Besides young people, for  whom    57    cards are usually their first card, he said the debit card is also    58    by some older people “who don’t want credit any more, don’t want to    59    debt any more.”

The global    60    has been rocked in the past year by a credit crisis    61    US mortgage loan defaults (次級房貸問題).

The    62    noted that nearly nine in ten Australians and New Zealanders said they

63   carrying large amounts of cash, compared with six in ten Singaporeans or 80 percent of Americans.

MasterCard said it    64    7,000 interviews across 12 countries, including Malaysia, China, South Korea, Canada, Italy, France and Germany.

Like poorly managed stress, anger that isn’t handled in a healthy way can be not only uncomfortable, but even damaging to one’s health and personal life. Consider the following research on anger:
One study from the University of Washington School of Nursing studied1problems in husbands and wives. Researchers cited(引用) previous evidence that anger problems and depressive symptoms have been linked to all major2of death, but found that wives specifically found a greater association between anger and3of depression,4men tended to instead experience an5between anger and health problems.
According to a study from Ohio State University, those who had less control over their anger6to heal more slowly from wounds. Researchers gave blisters(起皰膏) to 98 participants and found that, after 8 days, those who had less control over their anger also tended to be7healers.8, those participants also tended to have more cortisol (a stress hormone) in their system during the blistering procedure,9that they may be more stressed by difficult situations as well.
10study from Harvard School of Public Health studied hostility(敵對行為) in men and found that those with11rates of hostility not only had poorer pulmonary functioning (breathing problems), but experienced higher rates of decline as they aged.
Research with children and12shows that anger13is important for the younger set as well. Findings showed that youth who cope inappropriately with their anger are at greater14for problem-ridden(受…支配的) interpersonal relationships. Their15is also at risk; those who cope poorly with anger tend to have more negative16when it comes to both mental and general health. This highlights the fact that anger management is an important skill to17early.
These are just a few of the many studies linking anger to18and emotional health problems, from the obvious to the19. Because poorly managed anger presents such a significant problem in so many areas of life, it’s important to take steps toward learning and using healthy anger management techniques in daily life,20stress management techniques.

1. 1.
   1. A.
      anger
   2. B.
      health
   3. C.
      emotion
   4. D.
      spirit
2. 2.
   1. A.
      causes
   2. B.
      effects
   3. C.
      excuses
   4. D.
      factors
3. 3.
   1. A.
      times
   2. B.
      results
   3. C.
      influences
   4. D.
      symptoms
4. 4.
   1. A.
      but
   2. B.
      if
   3. C.
      while
   4. D.
      though
5. 5.
   1. A.
      appreciation
   2. B.
      attention
   3. C.
      association
   4. D.
      attraction
6. 6.
   1. A.
      prepared
   2. B.
      addicted
   3. C.
      accustomed
   4. D.
      tended
7. 7.
   1. A.
      faster
   2. B.
      more
   3. C.
      slower
   4. D.
      quicker
8. 8.
   1. A.
      As well as
   2. B.
      In addition
   3. C.
      Except
   4. D.
      What’s worse
9. 9.
   1. A.
      predicting
   2. B.
      promising
   3. C.
      expecting
   4. D.
      suggesting
10. 10.
    1. A.
       Other
    2. B.
       More
    3. C.
       Another
    4. D.
       The other
11. 11.
    1. A.
       higher
    2. B.
       lower
    3. C.
       thicker
    4. D.
       fewer
12. 12.
    1. A.
       adults
    2. B.
       adolescents
    3. C.
       elders
    4. D.
       citizens
13. 13.
    1. A.
       development
    2. B.
       management
    3. C.
       argument
    4. D.
       engagement
14. 14.
    1. A.
       chance
    2. B.
       choice
    3. C.
       rate
    4. D.
       risk
15. 15.
    1. A.
       body
    2. B.
       feeling
    3. C.
       health
    4. D.
       emotion
16. 16.
    1. A.
       outcomes
    2. B.
       meanings
    3. C.
       effects
    4. D.
       pains
17. 17.
    1. A.
       recite
    2. B.
       learn
    3. C.
       understand
    4. D.
       explore
18. 18.
    1. A.
       facial
    2. B.
       spiritual
    3. C.
       psychological
    4. D.
       physical
19. 19.
    1. A.
       unperfected
    2. B.
       unexpected
    3. C.
       unprotected
    4. D.
       uncovered
20. 20.
    1. A.
       along with
    2. B.
       along side
    3. C.
       as with
    4. D.
       for with

Why should you go to college? One important answer to this question is more1. As opposed to generations of the past, high school graduates today are2to get the number of high-paid jobs that were 3 available. The U.S. has been changed from a manufacturing-based economy into an economy based on 4 and the importance of a college education today can be5 to that of a high school education forty years ago. It 6 as the gateway to better choices and more opportunity.
There are 7 reasons as to why it is important to go to college. When students8 a post-secondary education, they have the opportunity to read books and listen to the9 of top experts in their fields. It 10students to think, ask questions, and 11 new ideas, which allows for additional growth and 12 and provides college graduates with an edge in the job market 13 those who have not experienced a higher education.
The importance of a college education is also because of the opportunity to 14 valuable resources. The more connections which are 15 during your college career, the more 16you will have when you begin your job search. Once you have ended your job search and have started your career, 17, the importance of a college education has not been exhausted. Having a college degree often 18greater promotion opportunity.
So, why should you go to college? The reasoning does not begin and end with the19aspect. A good education is 20 from many different viewpoints, and while the importance of a college education is quite evident for many high school students, what is often not as clear is how they will pay for that education.

1. 1.
   1. A.
      time
   2. B.
      freedom
   3. C.
      respect
   4. D.
      opportunity
2. 2.
   1. A.
      likely
   2. B.
      unable
   3. C.
      afraid
   4. D.
      unwilling
3. 3.
   1. A.
      once
   2. B.
      just
   3. C.
      never
   4. D.
      also
4. 4.
   1. A.
      nature
   2. B.
      culture
   3. C.
      knowledge
   4. D.
      agriculture
5. 5.
   1. A.
      referred
   2. B.
      added
   3. C.
      devoted
   4. D.
      compared
6. 6.
   1. A.
      follows
   2. B.
      serves
   3. C.
      unites
   4. D.
      disappears
7. 7.
   1. A.
      additional
   2. B.
      secret
   3. C.
      interesting
   4. D.
      financial
8. 8.
   1. A.
      discuss
   2. B.
      ignore
   3. C.
      experience
   4. D.
      imagine
9. 9.
   1. A.
      stories
   2. B.
      requests
   3. C.
      suggestion
   4. D.
      lecture
10. 10.
    1. A.
       helps
    2. B.
       encourages
    3. C.
       forbids
    4. D.
       advises
11. 11.
    1. A.
       design
    2. B.
       explore
    3. C.
       change
    4. D.
       refuse
12. 12.
    1. A.
       development
    2. B.
       payment
    3. C.
       agreement
    4. D.
       experiment
13. 13.
    1. A.
       for
    2. B.
       over
    3. C.
       in
    4. D.
       with
14. 14.
    1. A.
       admire
    2. B.
       satisfy
    3. C.
       gain
    4. D.
       notice
15. 15.
    1. A.
       removed
    2. B.
       collected
    3. C.
       explained
    4. D.
       controlled
16. 16.
    1. A.
       inventions
    2. B.
       choices
    3. C.
       worries
    4. D.
       salaries
17. 17.
    1. A.
       besides
    2. B.
       therefore
    3. C.
       however
    4. D.
       otherwise
18. 18.
    1. A.
       saves
    2. B.
       includes
    3. C.
       ensures
    4. D.
       means
19. 19.
    1. A.
       life
    2. B.
       character
    3. C.
       communication
    4. D.
       job
20. 20.
    1. A.
       free
    2. B.
       rare
    3. C.
       beneficial
    4. D.
       absent

I prefer the stories about the swimmers at the Beijing Olympics，one of which is about Zakia Nassar. She's a 21-year-old Palestinian1 Bethlehem studying dentistry in Jenin. Having had neither a2 nor a chance to an Olympic-sized pool in the past year, she had no choice but to3 on her own at a 12m public pool.
There is a 50-meter4 in nearby Nazareth, but the Israeli government did not5 her to use it.
Nassar was6 to training only when she returned to her parents' home in Bethlehem,7 she did so only about every two months for two days or so.8 the pool is only 12 meters long.
“My parents and friends always9 me, reminding me that I had to keep training if I10wanted to go to the Olympics,” she said.
It was only when Nassar11 China a month ago that she finally got the opportunity to swim in a 50m pool and enjoyed the12 of having a coach.
When she at last took part in the Games, she swam the 50m in 31.97 seconds, a(n)13 of seven seconds on her personal14. Nassar said it was the most beautiful moment of her life.
She will not15 on the cover of Time magazine or16 millions of dollars in endorsements(捐款), but she can always say she won a race at the Olympics. For her, it wasn’t about17 the other swimmers or winning a prize, but about18 her own goal,19 difficult. When I think things are too difficult or I get those “I-just-can’t-do-it,” I think of her. Then I realize how20 the task before me really is.

1. 1.
   1. A.
      to
   2. B.
      from
   3. C.
      through
   4. D.
      in
2. 2.
   1. A.
      employer
   2. B.
      captain
   3. C.
      coach
   4. D.
      master
3. 3.
   1. A.
      drill
   2. B.
      educate
   3. C.
      row
   4. D.
      train
4. 4.
   1. A.
      pool
   2. B.
      reservoir
   3. C.
      lake
   4. D.
      river
5. 5.
   1. A.
      admit
   2. B.
      permit
   3. C.
      forbid
   4. D.
      restrict
6. 6.
   1. A.
      accustomed
   2. B.
      controlled
   3. C.
      limited
   4. D.
      organized
7. 7.
   1. A.
      but
   2. B.
      therefore
   3. C.
      so
   4. D.
      and
8. 8.
   1. A.
      Besides
   2. B.
      Especially
   3. C.
      Hopefully
   4. D.
      Particularly
9. 9.
   1. A.
      discourage
   2. B.
      encouraged
   3. C.
      scolded
   4. D.
      blamed
10. 10.
    1. A.
       extremely
    2. B.
       merely
    3. C.
       really
    4. D.
       slightly
11. 11.
    1. A.
       reached for
    2. B.
       attached to
    3. C.
       departed from
    4. D.
       arrived in
12. 12.
    1. A.
       advantages
    2. B.
       honor
    3. C.
       faults
    4. D.
       trouble
13. 13.
    1. A.
       development
    2. B.
       improvement
    3. C.
       disappointment
    4. D.
       movement
14. 14.
    1. A.
       worst
    2. B.
       ordinary
    3. C.
       best
    4. D.
       average
15. 15.
    1. A.
       publish
    2. B.
       broadcast
    3. C.
       contain
    4. D.
       appear
16. 16.
    1. A.
       receive
    2. B.
       accept
    3. C.
       take
    4. D.
       earn
17. 17.
    1. A.
       following
    2. B.
       exciting
    3. C.
       inspiring
    4. D.
       beating
18. 18.
    1. A.
       achieving
    2. B.
       realizing
    3. C.
       starting
    4. D.
       winning
19. 19.
    1. A.
       wherever
    2. B.
       whatever
    3. C.
       whenever
    4. D.
       however
20. 20.
    1. A.
       difficult
    2. B.
       interesting
    3. C.
       easy
    4. D.
       hopeful

I woke up the other day to find that 10 inches of freshly fallen snow was waiting for me outside my door. The flakes were still1 heavily too. I didn’t want my little dogs2 in it, so I reluctantly 3 on my heavy coat and grabbed the snow shovel to make a4. I had only gotten a bit done, however,5 the handle of my old snow shovel6 with a “snap”. Laughing and shaking my head, I7 to wait out the storm for a while.
It was late in the afternoon when the snow finally 8 and I trudged(跋涉) over to my Dad’s house to borrow his shovel and9 again. By then the 10 inches of snow had turned into a foot and a half. I started out slow setting a steady10 and stopping to rest whenever my back started to ache. After a while, though, the 11 finally broke and the sun peeked out to12 me on. The work seemed a lot easier then even though it was still13. I even sang a few Christmas carols and14 while I cleared out the drives, cleaned off the cars, and shoveled out the paths. After an hour of hard work the job was finally done.15, I let the child that still lives16 of me fall back into the snow and17 a snow angel for the angels in Heaven to see. It felt good walking back to my house after a job well done. It felt even better18 around at this wonderful world of white.
I don’t know why life sometimes gives us spring days and sometimes dumps a ton of snow in us. I do know,19, that we can pray, laugh, love, and choose20 through it all.

1. 1.
   1. A.
      falling
   2. B.
      floating
   3. C.
      piling
   4. D.
      flying
2. 2.
   1. A.
      missing
   2. B.
      running
   3. C.
      hiding
   4. D.
      drowning
3. 3.
   1. A.
      pulled
   2. B.
      dragged
   3. C.
      drew
   4. D.
      pushed
4. 4.
   1. A.
      difference
   2. B.
      discovery
   3. C.
      path
   4. D.
      snowman
5. 5.
   1. A.
      until
   2. B.
      when
   3. C.
      once
   4. D.
      as
6. 6.
   1. A.
      crashed
   2. B.
      bent
   3. C.
      slipped
   4. D.
      broke
7. 7.
   1. A.
      decided
   2. B.
      hoped
   3. C.
      continued
   4. D.
      hesitated
8. 8.
   1. A.
      disappeared
   2. B.
      froze
   3. C.
      stopped
   4. D.
      melted
9. 9.
   1. A.
      clear
   2. B.
      try
   3. C.
      check
   4. D.
      think
10. 10.
    1. A.
       development
    2. B.
       rate
    3. C.
       step
    4. D.
       pace
11. 11.
    1. A.
       clouds
    2. B.
       shovel
    3. C.
       sky
    4. D.
       trees
12. 12.
    1. A.
       overlook
    2. B.
       cheer
    3. C.
       shine
    4. D.
       watch
13. 13.
    1. A.
       heavy
    2. B.
       cold
    3. C.
       warm
    4. D.
       bright
14. 14.
    1. A.
       danced
    2. B.
       jumped
    3. C.
       stopped
    4. D.
       smiled
15. 15.
    1. A.
       Laughing
    2. B.
       Crying
    3. C.
       Resting
    4. D.
       Wandering
16. 16.
    1. A.
       outside
    2. B.
       inside
    3. C.
       beyond
    4. D.
       above
17. 17.
    1. A.
       catch
    2. B.
       find
    3. C.
       make
    4. D.
       pretend
18. 18.
    1. A.
       looking
    2. B.
       walking
    3. C.
       turning
    4. D.
       wondering
19. 19.
    1. A.
       anyway
    2. B.
       still
    3. C.
       then
    4. D.
       however
20. 20.
    1. A.
       fate
    2. B.
       determination
    3. C.
       joy
    4. D.
       luck