___ of us can do everything, but all of us can do ___ .
A. None, something B. Some, everything C. Few, something D. Few, nothing

　　　 Everybody in this world is different from one another．But do you know that understanding differences can help you better manage your money?

　　　 As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it’s not easy to change later in life. Financial experts say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great impact on the way we look after our money. According to our different values, experts put us in three categories. They are the ant, the cricket and the snail.

The ant—works first

Just like ants who work heart and soul in summer in order to store food for winter, these people don’t care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk.

The cricket—fun first

The cricket wants to enjoy everything now and doesn’t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance.

The snail—lives under pressure

The snail refers to people who make life difficult for themselves. They take big long-term loans（代款） from the bank in order to buy things such as luxury houses. They are happy to take big loans even though they are not sure they can afford it. This can cause problems in the future. They should plan more carefully.

64．According to this passage, one's values _　　　　　　 .

A．may not change easily in one's lifetime 　　　 B． may he his ways of managing money

　 C．may he his beliefs about society　　　 　　　 D． determine his family and education

65．Mr．Smith always, enjoys spending a weekend with his friends, fishing hunting and playing cards．Moreover, he spends money in a very luxurious way．So Mr．Smith belongs to_　　　　 ．

　 A．the ant type　　 B．the snail type　　 C．the cricket type　　 D．none of them

66．The writer of the passage seems to be in favor of 　　　　　　　 ．

　 A． the cricket　 　　 B． the snail　　 　　 C． the ant　 　　　　　 D． all of them

67．Which is the most suitable title of this passage?

　 A． How to understand your values　　　　 　 B．What comes first

　 C． Work and fun　 　　　　　　　　　　　　　　　　　 D．Spending kinds

第二節(jié)：完形填空（共20小題，每小題1.5分，滿分30分）
閱讀下面短文，掌握其大意，然后從36~55各題所給的四個選項（A、B、C和D）中，選出最佳選項。
I had a very special teacher many years ago whose husband died suddenly of a heart attack. About a week after his  36 , she shared her insights(頓悟) with the students. When the class was nearly over, she  37  and said, “I would like to  38  with all of you a thought that has  39  to do with class, but which I feel is very  40 .
“Each of us is put here on the  41  to learn, share, love and appreciate ourselves. None of us knows when this  42  will end. At any moment it can be  43 . Perhaps this is life’s way of telling us that we must make good  44  of every day.” Her eyes beginning to  45 ,she went on saying, “So I would like you all to  46  me. From now on, on your way home, find something 47 to notice. It doesn’t have to be something you see- it could be  scent(香味) of fresh bread, or it could be the  48  of the wind slightly rustling(發(fā)出沙沙聲) the leaves.”
“Please look for these things, and  49  them. The little things we are put here on the earth to enjoy. They are   50   observing , for at any time they can all be taken away.”
The class was totally quiet. We all picked up our books and went out of the room  51 . That afternoon, on my way home I noticed  52  things than before. Every time I think of that teacher and remember what a(n)  53  she made on all of us, I try to  54  all of those things that sometimes we all ignore. For as we get older, it is not the things we did that we often regret,  55  the things we didn’t do.
36. A. disease      B. death         C. arrival         D. appearance
37. A. paused      B. continued      C. focused       D. broke
38. A. argue       B. communicate   C. share          D. whisper
39. A. something   B. nothing        C. everything     D. anything
40. A. improper    B. important      C. attractive      D. unbelievable
41. A. earth       B. farm           C. road         D. ground
42. A. disaster     B. schedule       C. experience     D. custom
43. A. put away    B. gone out       C. handed out     D. taken away
44. A. fun        B. difference       C. sense         D. use
45. A. smile       B. shut           C. water         D. glare
46. A. permit      B. promise        C. forgive       D. respect
47. A. strange     B. beautiful        C. powerful      D. different
48. A. signal       B. sound         C. action         D. direction
49. A. support     B. receive         C. remember      D. value
50. A. easy        B. harmful         C. worth        D. puzzling
51. A. silently      B. curiously       C. slowly         D. secretly
52. A. more      B. smaller        C. fewer           D. larger
53. A. result      B. chance        C. pain            D. impression
54. A. produce    B. taste         C. appreciate       D. change
55. A. or         B. and          C. for             D. but

　 Temperature is part of my married romance Coming to New’York from Baltimore-where there is just one small snowstorm each year-1was 16 by a fireplace in my new home，wit fires 17 all day,just as what ancient people did at a wedding．

　 My husband，Peter,comes from northem Ontario，where winter 18 from September to May and cold wind is 19 ．”When Canadians have 30 below,they 20 it，”he says．“Cold wind is for crybabies．”

　 So to marry this man I had to learn to 21 for serious cold. To get me from Baltimore's Inner Harbor to Albany’s frozen Hudson，Peter piled me 22 jackets and sweaters，scarves and gloves．even a hat with earflaps．The gift of Sorel boots-comfortably warm at Canada’s 30 below,was a 23 we were getting serious．

　 That first winter together,living in upstate New York,I thought I’d 24 My boots were good below freezing，but my fingers could 25 tie them．Physical adaptation is real，but it came slowly．And there is also emotional 26 to cold．Some days I tell myself that I have enough beach memories to stick to on 27 days and other days I am reminded that living cold does indeed build 28 ．

　 29 ，having a warm house is important．After my first marriage ended，for years I 30　 ! went on a second date with a man whose response to my”I'm cold”was．”Put on a sweater．”Now I’m married to a man who 31 that cold hands do not mean a warm heart．And that a big oil bill is better than roses But surprisingly,I've grown，too．I am 32，in this new life and climate，to go look for that cost-saving sweater．

　 The word comfortable did not 33 refer to being contented．Its Latin root，comfortare， means to strengthen．The Holy Spirit is Comforter；not to make us comfortable，but to make us

34 ．we 35 not be warm but we are indeed comforted．

16．A．set down　　　　 B．set about　　　　 C．set up　　　　 D．set out

17．A．lighting　　　　　 B．burning　　　　　 C．going 　　　　　D．flashing

18．A．a(chǎn)ppears　　　　　 B．starts　　　　　　 C．keeps　　　　　 D．runs

19．A．something　　　　 B．everything　　　　 C．nothing　　　　 D．none

20．A．suggest　　　　　 B．mean　　　　　　 C．overlook　　　 D．enjoy

21．A．wear　　　　　　 B．stand　　　　　　 C．dress　　　　 D．ride

22．A under　　　　　 B．over　　　　　　　 C．inside　　　　 D．with

23．A．remark　　　　　 B．sign　　　　　　　 C．warning　　　 D．show

24．A．sleep　　　　　　 B．forget　　　　　　 C．die　　　　　 D．continue

25．A．hardly　　　　　 B．easily　　　　　　 C．tightly　　　　 D．loosely

26．A．health　　　　　 B．reaction　　　　　 C．feelings　　　　 D．a(chǎn)daptation

27．A．rainy　　　　　　 B．freezing　　　　　 C．sunny　　　　 D．happy

28．A．character　　　　 B．love　　　　　　 C．hope　　　　　 D．hardship

29．A．Meanwhile　　　 B．However　　　　 C．Therefore　　　 D．Besides

30．A．merely　　　　　 B．ever　　　　　　 C．never　　　　　 D．just

31．A．wonders　　　　 B．knows　　　　　 C．states　　　　　 D decides

32．A．unable　　　　　 B．a(chǎn)ccustomed　　　 C．interested　　　 D．willing

33．A．originally　　　　 B．exactly　　　　　 C．a(chǎn)ctually　　　　 D．namely

34．A．wild　　　　 　　 B．cold　　　　　　 C．strong　　　　 D．warm

35．A．will　　　　　　 B．must　　　　　　 C．can　　　　　 D．may