Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and his team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues. Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially. Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect   on the number of credit cards students own and their level of credit card debt. The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances. In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over $500. The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors for college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root. " When college students have credit card debt, they may   _  . A) quit school B) fail in their exams C) study financial knowledge D) have more credit cards
A
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In 1992, when Xi Jinping worked in Fuzhou, he came across a newspaper report about "My Guling," written by a Chinese student studying in the United States. The report described an American couple who tried in vain to revisit a southern Chinese town called Guling, where the husband, Milton Gardner, had spent 10 years of his childhood before moving back to the United States in 1911. Gardner, who later became a professor of physics at the University of California, had been longing to revisit Guling since 1979 when the diplomatic ties between China and the US were set up. But he had never made the trip due to his failing health. According to the newspaper, Gardner kept uttering  "Kuling, Kuling" in the final hours of his life. After he passed away, his wife Elizabeth Gardner decided to carry out the dying wish of her husband and since then made several trips to China in an attempt to find the small town that her husband had so much affection about. Her efforts ended in vain as she had few clues about the exact spot of the town. But a Chinese student lodging at the Gardners' recognized the small town as Guling near Fuzhou City from postmarks on some old mails of late Mr. Gardner. The student wrote an article about Gardners' story and sent it to the People's Daily, one of the major newspapers in China. "After I read the story, I immediately contacted Mrs. Gardner through the departments concerned and invited her to visit Guling," Xi told the media. Thanks to Xi's arrangement, Mrs. Gardner finally arrived at Guling in August 1992. She met there with nine childhood friends of her husband, all of whom were over 90 years old at that time. It was a happy occasion for Mrs. Gardner, who was later awarded the honorary citizenship of Fuzhou City, Xi recalled. "She said that she would value this bond of friendship between her husband and the people of China, because after seeing for herself the beautiful Guling and the warmth and goodwill of the Chinese people, she now understood why her husband had been so deeply attached... According to the passage, Mr. Gardner  _  . A) lived and worked in Guling for ten years B) had few memories about the small Chinese town C) kept in touch with his childhood playmates until he passed away D) was deeply impressed by Guling's people and environment
D
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We took a rare family road trip to the Adirondacks in late August,and it was as refreshing and exhausting as family vacations tend to be.Toward the end of our long drive home, even the kids were leaning forward in their seats urging my lead foot on.At that point in a road trip,even sixty-five miles per hour feels slow. We have become numb to our speed and numb to the road signs flashing by. My family lives on the edge of Lancaster County. Only thirty miles from home,I hit the brakes,and we began to roll,slowly,behind a horse-drawn carriage. We began to open our eyes again.We saw familiar green hills and the farm with the best watermelons. I rolled down the windows, and we breathed again.Just-cut hay and a barn full of dairy cattle. At five miles per hour,you remember what you forget at sixty-five.You are thinking about a place,even when you are moving from place to place. I am a placemaker. A homemaker, too. I am a mother of a young kid at home,and also a writer and a gardener.But,for me,those roles are wrapped up with the one big thing I want to do with the rest of my life:I want to cultivate a place and share it with others. The place I make with my family is a red-brick farmhouse built in l880. It has quite a few nineteenth-century bedrooms and a few acres of land,and we love nothing more than to fill them with neighbors and friends. We grow vegetables and flowers,keep a baker's dozen of egg--laying chickens,and,since we moved in three years ago,we have planted  many,many trees. Living with my life's purpose does not allow for much travel. I need to be here,feeding the chickens and watering the tomatoes. Any extra in the budget,and we spend it on trees. But I learned something at the end of our family road trip.Travel can help me in the task of caring for my own place.When I slow down and pay attention to the road between here and there,travel tells me the connections between my place and all the other places. What can be the best title of the passage? A) On the Way Home B) Never Travel again C) Escape from a Family Life D) Life on the Farm
A
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Besides providing an ideal environment for sea plants and animals to live in, seawater has other values, one of which is that it constantly moves, and its movements produce energy. The most obvious movements are waves and the tides. Winds causes the waves, and the gravitational pull of the moon and the son causes tides. In places like the Bay of Fundy in Canada, the difference between the high and low tide level can be as much as 40 feet. France and Britain are now trying to use energy in the tides to produce electricity. Waves can produce electricity and some experiments are taking place to learn more about this. One of the most encouraging areas of research uses the difference between the temperature of seawater at the surface and deep down to produce electricity. Waves and tides are caused by  _  . A) the same forces B) different forces C) their own movements D) plants and animals

C
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