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Shakespeare once wrote: “Neither a borrower nor A lender be;For loan (借款) often loses both itself and friend”. It’s often explained and used as a warning about the dangers of lending, and how you could risk a friendship through it. But why can lending money be so detrimental to our friendships?

If our friend or family member comes to us for hard cash, it can be very difficult to turn them away. You feel under pressure to help. And if that money doesn’t come back, it can lead to fights or even legal battles. So how can we, as the lender, avoid these problems? According to Bradley T. Klontz, an expert in financial psychology (心理学), there are some steps you can take.

Understanding why there is an unavoidable risk to lending anything to a friend is the first thing. And it’s not just the risk of losing the money, but the friendship could also be in danger. This is because, psychologically speaking, the action of lending has changed the balance of power. The lender becomes superior (高一级的), while the borrower may feel awkward with the new arrangement. Likewise, if you try to advise them on what to do with the money, it might make things difficult between you two. In other words, let go - and see it as their money.

And if you can’t afford to lend something, don’t. Saying “no” is hard when a friend comes asking, but if you need that money, refusing them is probably the safest course of action. If you still feel the need to lend, making a legally binding (有法律约束的) agreement and putting things down in writing could guarantee instalments (分期付款) or deadlines. But, some friends may not take too kindly to being asked to make it official - seeing it as a lack of trust.

Finally, for some, it’s best to just see the money as a gift and be pleasantly surprised if something comes back. And if you do want to keep your friendship, when you need to borrow some money, perhaps a bank is a better option.

【小题1】What does the underlined word “detrimental” in paragraph 1 probably mean?
A.beneficial
B.important
C.necessary
D.harmful
【小题2】According to this passage, which statement will the writer support?
A.You’d rather be a lender than a borrower.
B.Whether you lend it or not, your friendship will be unbalanced.
C.Sometimes refusing is not a bad option.
D.If you are true friends, you will lend your money to your friends.
【小题3】How does the writer develop paragraph 3?
A.By listing examples.
B.By making comparison.
C.By analyzing data.
D.By explaining cause and effect.
【小题4】If you are a borrower, which action is proper according to this passage?
A.Borrow from your family members rather than your friend.
B.Borrow the money from the bank.
C.Borrow the money from your friend and see him (her) as superior.
D.Borrow the money and see it as yours.
23-24高一上·四川凉山·期末
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   Five years ago, David Smith wore an expensive suit to work every day. “I was a clothes addict.” he jokes. “I used to carry a fresh suit to work with me so I could change if my clothes got wrinkled.” Today David wears casual clothes—khaki pants and a sports shirt—to the office. He hardly ever wears a necktie. “I am working harder than ever.” David says, “and I need to feel comfortable.”

More and more companies are allowing their office workers to wear casual clothes to work. In the United States, the change from formal to casual office wear has been gradual. In the early 1990s, many companies allowed their employees to wear casual clothes on Friday (but only on Friday). This became known as “dress-down Friday” or “casual Friday”. “What started out as an extra one-day-a-week benefit for employees has really become an everyday thing.” said business consultant Maisly Jones.

Why have so many companies started allowing their employees to wear casual clothes? One reason is that it’s easier for a company to attract new employees if it has a casual dress code.” “A lot of young people don’t want to dress up for work,” says the owner of a software company, “so it’s hard to hire people if you have a conservative(保守的)dress code.” Another reason is that people seem happier and more productive when they are wearing comfortable clothes. In a study conducted by Levi Strauss and Company, 85 percent of employers said that they believe that casual dress improves employee morale(心境,士气). Only 4 percent of employers said that casual dress has a negative influence on productivity. Supporters of casual office wear also argue that a casual dress code helps them save money. “Suits are expensive, if you have to wear one every day,” one person said. “For the same amount of money, you can buy a lot more casual clothes.”

【小题1】David Smith refers to himself as having been “a clothes addict,” because     .
A.he often wore khaki pants and a sports shirt
B.he couldn’t stand a clean appearance
C.he wanted his clothes to look neat all the time
D.he didn’t want to spend much money on clothes
【小题2】David Smith wears casual clothes now, because     .
A.they make him feel at ease when working
B.he cannot afford to buy expensive clothes
C.he looks handsome in casual clothes
D.he no longer works for any company
【小题3】According to this passage, which of the following statements is FALSE?
A.Many employees don’t like a conservative dress code.
B.Comfortable clothes make employees more productive.
C.A casual clothes code is welcomed by young employees.
D.All the employers in the U. S. are for casual office wear.
【小题4】According to this passage, which of the following statements is TRUE?
A.Company workers started to dress down about fifty years ago.
B.Dress-down has become an everyday phenomenon since the early 90s.
C.“Dress-down Friday” was first given as a favor from employers.
D.Many workers want to wear casual clothes to impress people.
【小题5】In this passage, the following advantages of casual office wear are mentioned EXCEPT     .
A.saving employees’ money
B.making employees more attractive
C.improving employees’ motivation
D.making employees happier

Going cashless or not

After saving up your allowance, you finally have enough money to buy that toy, game, or piece of clothing you’ve been dreaming of. You go to the store and find the item. But when you get the register to pay, you see a sign: “Hello! We’ve gone cashless.”

Situations like this may become common if more stores and restaurants stop accepting cash as payment. Instead, customers must pay with a credit or debit card, or by smartphone app. Many business owners believe that getting rid of cash has helped them streamline(使效率更高) the way their business runs. Staff members don’t have to worry about having enough money in the register to make change or about delivering bills and coins to the bank.

But a growing number of people think that cashless stores are unfair. According to the Federal Deposit Insurance Corporation, more than 8 million households in the United States don’t have bank accounts. Also, many people, including kids, don’t meet the requirements for a credit card. “A cash-less economy is not an inclusive(范围广泛的) economy,” Tazra Mitchell told National Public Radio. She’s a policy director at the DC Fiscal Policy Institute. In her opinion, cashless stores are “essentially discriminating (歧视) against people”. Plus, people who do have debit and credit cards might prefer paying with cash. “Cash is still very popular with consumers,” Nick Bourke said. He’s a director at the Pew Charitable Trusts’ consumer finance project. “It’s used by almost eight in ten adults in the US every month. That’s more than any other payment type.”

Lawmakers in several places have taken steps to ban cashless stores. A handful of major cities, including New York City and Philadelphia, Pennsylvania, have already passed laws to address the issue. In San Francisco, California, a law banning cashless stores was passed in May. It says most stores in the city must allow customers to pay with cash. Derek Remski helped write the San Francisco law. He works for the city. “It’s really about fairness,” Remski said. “It’s about understanding that not everyone has equal access to things.”

【小题1】What’s the major function of paragraph 1?
A.To describe a memorable experience.
B.To generalize the whole passage.
C.To test reader’s reaction to the situation.
D.To introduce the theme of the whole text.
【小题2】What’s the attitude of business owners to going cashless?
A.Neutral.B.IndifferentC.Supportive.D.Opposed.
【小题3】What’s paragraph 3 mainly about?
A.The requirements for kids to open a bank account.
B.The reasons why people think cashless stores are unfair.
C.The relationship between cashless stores and households.
D.A research done by the Federal Deposit Insurance Corporation.
【小题4】What’s the aim of the law passed in May?
A.To ban illegal trade.B.To ban cashless stores.
C.To protect cashless stores.D.To ensure business owner’s rights.

In the Arctic Ocean waters live the social animals — belugas, which are also known as white whales. Highly intelligent, these whales use different sounds to communicate and find their way. Belugas are also among the smallest kinds of whales.

More than 210 belugas, including 31 in the United States, live in aquariums around the world. The Georgia aquariums has asked for permission to bring 18 more belugas into the US. The whales were caught off the coast of Russia. The National Oceanic and Atmospheric Administration (NOAA) is considering the aquarium’s request thoroughly. A law called the Marine Mammal Protection Act (MMPA) says the animals can only be brought into the country and put on display if they are caught without being hurt and there is an educational reason for doing so.

Georgia Aquarium officials say the 18 belugas will help people learn more about the species and allow scientists to better understand how to protect it. The aquarium would also breed the whales so the US aquariums can continue to display them. “When we can study and observe, we gain a better understanding of their biology and diseases that affect them, and learn how to aid populations in their natural habitats,” says William Hurley, Georgia Aquarium’s chief officer. “Much of this research would be impossible in the remote locations and extreme climate where the animals live.” The Georgia Aquarium would own the 18 belugas and would rent some to aquariums across the country.

Meanwhile, many scientists, including Lora Marino, a whale expert, feel strongly that the whales belong in the ocean, not in tanks. These scientists say the whales are being used for entertainment and not for education, and having them in aquariums is not necessary for the species to survive. Marino said, “Not only is it unfair to the belugas but there is no educational value in putting these whales on display.”

【小题1】What can we learn about belugas?
A.They live in the Atlantic Ocean.B.They are highly thought of.
C.They are very smart whales.D.They are the smallest in number.
【小题2】If the Georgia Aquarium’s request is allowed, ____________.
A.there’ll be 210 belugas in the world
B.259 belugas in all will be kept in aquariums
C.there will be 49 belugas kept in aquariums in the US
D.18 belugas will be caught by Russians
【小题3】According to Marine Mammal Protection Act, ____________.
A.the request should be refused without consideration
B.animals cannot be brought into the US and put on display
C.animals can only be caught if they were hurt
D.animals cannot be caught for commercial purposes
【小题4】What does the third paragraph intend to tell us?
A.The reasons why Georgia Aquarium requests for the 18 belugas.
B.How the 18 belugas will be dealt with in Georgia Aquarium.
C.Belugas can live better in human care in Georgia Aquarium.
D.Scientific research about the belugas can be done better in the wild.

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