万学海文cet6全方位解读修改后

CET6PartI一、近年Directions:Forthispart,youareallowed30minutestowriteashortessayentitledOnMaintainingTrustbycommentingonthesaying“Ittakesyearstobuildtrust,andafewsecondstodestroyit.”Youshouldwriteatleast150wordsbutnomorethan200words.Directions:Forthispart,youareallowed30minutestowriteanessayentitledManandComputerbycommentingonthesaying,hrealdangerisnotthatthecomputerwillbegintothinklikeman,butthatmanwillbegintothinklikethecomputer.”Youshouldwriteatleast150wordsbutnomorethan200words.Directions:Forthispart,youareallowed30minutestowriteacompositiononthetopicTheImpactoftheInternetonInter alCommunication.Youshouldwriteatleast150wordsbutnomorethan200words.Directions:Forthispart,youareallowed30minutestowriteashortessayentitledTheWaytoSuccessbycommentingonAbrahamLincoln'sfamousremark,"Givemesixhourstochopdownatree,andIwillspend,thefirstfoursharpeningtheaxe."Youshouldwriteatleast150wordsbutnomorethan200words.Directions:Forthispart,youareallowed30minutestowriteashortessayentitledTheCraze.Youshouldwriteatleast150wordsfollowingtheoutlinegivenbelow.在我看来Direction:Forthispart,youareallowed30minutestowriteashortessayentitledMyViewsonUniversityRanking.Youshouldwriteatleast150wordsfollowingtheoutlinegivenbelow. 在我看来Directions:Forthispart,youareallowed30minutestowriteashortessayentitledShouldParentsSendTheirKidstoArtClasses?Youshouldwriteatleast150wordsfollowingtheoutlinegivenbelow.我认为二、写作技

ShouldParentsSendTheirKidstoArtExerciseDueAttentionShouldBePaidtoAsFrancisBaconputit,“Writingmakesanexactman.”Or,simplyputit,anyonewhocannotexpresshimselfclearlyandexactlycanhardly esophisticatedandmature.Unfortunay,noteveryonecanspellcorrectlyinhiswriting,letalonepreciseexpression.Whathasgiventotheprevalenceofmisspelling?Theanswerliesinthefollowingtwofactors–“carelessness”and“overdependence”.Illustrationsarelistedasfollows.Afterwritinganessay,astudentmaynevercheckitout,becauseheonlycaresaboutfinishingthetaskbutpaynoattentiontothequalityofhiswriting.Or,whenwritingapaper,astudentmayentirelydependonthefunctionofspelling-correctionofcertainsoftware,thuslosinghisownabilitytospellcorrectly.Ascollegemen,weshouldnotmerelyblamethisinability,butbearinmindthatforeveryone,includingus,writingpreciselywas,isandwillalwaysbeanelementofourability.Therefore,havethedutytoreciteandusewordscorrectlyandpaydueattentiontoourExerciseDueAttentionShouldBePaidtotheStudyNoonecanforgetthemotto,“Acultureisthesoulofanation,whilealanguageisthesouloftheculture.”Thatis,anyonewhohasnotagoodcommandofhisnativelanguagecanhardlyknowmuchaboutthetraditionalcultureofhisnation.Unfortunay,noteverystudentcareaboutstudyinghisnativelanguage,nottomentionthegloriouseasternculture.Whatkillsoffourpassionforstudying?Theanswermaybe“toomuchemphasisonforeignlanguagesandpracticalskills”.Toillustrate,everymorning,wecanseestudentsreadingEnglishessaysaloud,becausetheyareunderthepressureofCET,ratherthan“CCT”(“CollegeTest”forshort).Moreover,everyevening,wefindstudentsswarmingintocomputerlecturesoraccountinglessons,sparingnotevenaminutesforthestudyofournativelanguage.Isfadingfromcampusesandthehistoricalstage?Ascollegemen,weshouldnotmerelylamentthistragedy,butrootitinourmindthat,beitemphasizedornot,was,is,andwillalwaysbethesoulofourculture.Therefore,wehavethedutytopaydueattentionthisournativelanguageandhaveagoodmasterofit.ExerciseDueAttentionShouldBePaidtoMutual Noonecandenythesimpletruth,“Evolutionmakeshuman,butmutualassistancemakeshumansociety.”Or,putanotherway,anyone,withouthelpfromothers,canhardlyleadanormallife.Unfortunay,noteveryoneiswillingtoofferhelpevenifitisnecessary.Whathaskilledofftheenthusiasmforhelothers?Theanswersmaybe“selfishness”and“cowardliness”.Thefollowingcasesarefamiliarandconvincing.Seeingapregnantladystandinginabumpybusnoonestandsuptoleaveheraseat,caringonlyabouthisowncomfortandease.Glancingatthewoundedgroaninginacaraccident,fewbystanderstakehimtoahospital,forfearofgettinginvolvedintothetrouble.Ascollegemen,weshouldnotmerelylamentthissocialproblem,butbearinmindthateveryone,includingus,was,is,andwillalwaysbeinneedofhelpfromothers.Therefore,wehavethedutytolendahelhandtobuildupthesocialatmosphereofgreatharmony.

ExerciseMyViewonOnline(S1)Ithasbeenahottopicforalongtimewhetheronlinegamesareablessingorcurseforus.Thosewhoareinfavorofthisinternet-basedentertainmentdeemitasnotonlyasourceofjoy,pleasure,andhappiness,butalsothetrainingforquickresponse.(S2)Theymayberightaboutthevalueofthesegames,butfailtotakeintoaccountthefactthatonlinegamesdobringsomenegativeinfluencestoyoungsters.Casestoprovethispointareabundant:somestudentslackingself-disciplinearetoomuchindulgedinthesegamessothattheiracademicperformancesareshockinglylow;besides,someofthemspendmostoftheirsparetimeinaninternet-café,withoutregularmeal,sleep,andphysicalexercise,leadingtopoorhealth.(S3)Frommypointofview,onlinegameswouldbeawonderfulwaytorelaxourselves,ifwescheduleourleisuretimereasonably.However,whentheyinterferetoomuchwithourlivingandschooling,itisadvisableforustogivethemupatonce.Stuckbyafishboneinthethroat,wemaybeawkward.Askedwhetheronlinegamesarebeneficialorharmfultous,wemayfeelevenawkward.Manystudents,mostlyoptimists,advocatethatthesegamesaresourceofjoy,pleasureandhappiness.“OnlyworknoymakesJackadullboy,”saysanexcellentclassmate,“thesegamesarethedirectcauseofinspiringlife.”However,oneman’smeatcanbeanother’spoison!Thiswelfareoftheseoptimists–onlinegames–canbeamillstone,grindingofftheprecioustimeofyoungsterswhoarelackofself-discipline.Indeed,someofthemspendmostoftheirsparetimeinaninternet-café,withoutregularmeal,sleep,andphysicalexercise,leadingtopoorhealth.What’smore,overindulgenceinthesegamesmaydeprivethemoftheirchancestoread,tolearn,tothinkandtogrow.Astome,Iamcertainlyabigfanofsomegames,butIwillneverviewthemasthewholepictureofmycampuslife.Iamconvincedthat,allofus,freshmenorsenior,excellentorjustnormal,shouldhavearightattitudetowardonlinegames:theyarethesourceofpleasure,butthesourceofhappinessshouldnotbeconfinedtothem.Exercise5Currently,somestudentsarelivinginanatmosphereinwhichoverdependenceispervasive:gainingadmissionintoacollegebytheeffortofparents,obtainingajobwiththeassistanceoffamily,orevengettingmarriedwiththesupportofrelatives.Isthehelpfromkinnecessary?Isthekinreallyhelthem?Prevailingamongstudents,thistrendofoverdependencehasearneditselfthecrown:izingtheprofitofthefamilyresources.Actually,behindtheseeminglyreasonablenameliesitstrueface:theirweakness.Students’desireforassistancefromfamiliesreflectstheirimmaturemindandinabilitytoleadtheirownlife.Thisinabilitypreventsstudentsfromperfecting alityandenhancingtheirabilitytobeself-mademen.Thisprevalenceofoverdependencecanbeputundercontrolonlywhentherearecoordinateprogramsofofferingthemchancestoorganizetheirlifeaffairsbythemselvesandtopracticesolvingproblemsalone.Indeed,thereshouldbeageneralawarenessthatstudentscandevelophealthilyonlywhentheyarefromtheshadowofunnecessaryassistancefromfamilies.ExerciseOnMoneyCurrently,somestudentsarelivinginanatmosphereinwhichmoneyworshipispervasive:runningasmallbusinessatthecostoftheacademicperformance,gettingintoaffairswithrichguysattheexpenseofdignity,orcommittingcrimesregardlessoffuture.Prevailingamongstudents,thismis-beliefinmoneyhasearneditselfthecrown:anrealisticlife-style.Actually,behindtheseeminglyreasonablenameliesitstrueface:overemphasisonmoney.Students’desireforwealthreflectstheirimmaturemindandunclearvalueoflife.Theinabilitytoresistthetemptationofseekingaftermoneypreventsstudentsfromenrichingtheirknowledgeandexpandingtheirmind.Thisprevalenceofmoneyworshipcanbeputundercontrolonlywhentherearecoordinateprogramsofimpartingthemcorrectconceptandenablingthemtoexperiencesuccess.Indeed,thereshouldbeageneralawarenessthatstudentscandevelophealthilyonlywhentheyarefromsuchmoneyorienteddistractionandenvelopedbyanatmosphereofacademiccompetition.ExerciseOnStudents’yingOnlineAverageNumberofHoursaStudentSpendsonOnlineGames50 Emergingfromthecolumnchartisanoticeabletrendthatcollegestudentsareincreasinglyindulgedinonlinegames.Aswecansee,thefirstfiveyearswitnessedaslightincreaseintheaveragenumberofhoursastudentspendsonnetwork-basedgames,whichwasfollowedbyadramaticriseinthefollowinghalfdecade.Emergingfromthecolumnchartisanoticeabletrendthatcollegestudentsareincreasinglyindulgedinonlinegames.Intheyearsof2000,thenumberofhoursastudentspentonnetwork-basedgamesstayedlessthan5hoursperweek.In2010,however,itisexpectedtosoarto28,whichmaybealmostthreetimesthatof2005.Injustonegeneration,duetothemushroomingITindustry,millionsofyoungclayshavesteppedintoanageofonlineentertaining,toseekpleasureandavoididleness.Educatorsandsocialresearchermayconsideritaneffectivewaytogetstudentsrelaxed,butthey,aswellasallofus,alsofocusonthesideeffect:theseactshamperstudents’aldevelopment.yinggamesininternet-caféssquandersnotonlyparents’hard-earnedcash,butpreciousyouth-timeaswell.Thissquanderinghabitwilldefini ydoharmtotheirself-perfection,thusleadingtoamiserablelife.Inviewofthedestructiveeffectsofyingonlinegames,mostofuscannothelpadvocatingtheschool toworkoutconcreteruleandregulationstoputanendtothistrend.Butthatisapassivewayandonlyworksonsomeextremecases.Asentertainmentisanecessarypartofcampuslife,anapplicableapproachisasfollows:moreentertainingactivities,concerningsports,art,andsocialpractice,shouldbeorganizedtodistractstudents’attentionfromdigitalgames.ExerciseDearIamwriting,onbehalfofthestudentunion,totalkusoutofyingonline-gamestoooften.Computergame,so-calledE-opium,islikeamillstone,killingoffourprecioustime.Tomakethingsworse,thisopiumdeprivesustheenthusiasmofreading,learninganddiscovering.InfrontofuslietwostepstofightagainstthelureofE-games.Firstly,wearesupposedtobeawareoftheinfluencethesegamesexertonus:occasionallybeneficial,butmostlyharmful.Thatistosay,fromthem,weobtainjoyandpleasureattheexpenseofvaluableyouthtime.Afterthat,weshouldresorttoadecisivecountermeasure:todevelophealthynewhobbies,nomatteritisphotographingorphysicalexercising,torecethedestructiveoldone.Knowingaboutthedetrimentaleffectandseeingcorrespondingcountermeasures,howcanwecontinuetostandbyngnothing?Let’scrackthishardnut!Anyonewhowouldliketojointhen,pleasesignyournameonthisposter!Thankyouvery三、课后练MyViewonTV-

LiMing0 MonthlyAverageExpenditureofaCollegeStudent(YuanperStudents’UseofCreditCards50 NumbersofCreditCardsOwedbyEvery100 Communication:OnlineorFacetoFaceFaceto ChangesintheWayofCommunicationamongCollege四、附录练

Wecollegestudentshadenoughtimetotakeapart-timejob,nomatterhowbusyweTherearesomanycountriesusingEnglishthatithadbeenregardedasaninternationalTheeatinghabitofpeoplehavechangedinthepastNowfruitsandvegetablescanbeseeneverywherewhenitisinIcansolveourproblemoftuitionandfeesbytakingsomepart-timeWithoutevision,peoplecan’tgetinformationthatcomesfromotherpartsoftheworldAttheageofsix,myfatherbegantogivemeEnglishToimproveone’swritingskill,regularpracticeisWiththecomputer,onecandoshop,bankingandreadatNowadays,peoplenotonlyeatenoughfood,butalsoeatParticipatinginsportsisgoodforourphysicalhealth,andthroughitwecanalsotrainourSometimesteacherswillinformstudentsoftheheavyburdenthehavetoSomeonebelievesthattheteacher’staskistostudentsknowledge,whichmaynotbePeoplehavebeenfightingagainsttheinfluenceofTVcommercials,butitoftenWhilewereducethenumberofvehicles,thespeedoftrafficcanbeEachofusmaytakeapart-timejobtohelpsupportourselves,butifyouspendtoomuchtimeonit,yourstudywillbeaffected.TVpresentsuswithmanyusefulMakingourcitiesgreenerisnotaneasyEachpeoplehashisownBookknowledgeisimportant,butweshouldlearnsomethingintheWhenIwasinthehighschool,IalwayshaveabeautifulpictureofthecollegeIftherewerenoelectricpower,wewouldhavetodoeverythingbytheIftherewerenoelectricpower,factorywouldstopproducinggoods,car,busandtrainwouldstoprunning.TVnowysandimportantroleinourdailylife,BecausewethinkitextremelyTherearemanywaystocontactwithsociety.Forexample,joininclubs,takepart-timejobsandhelpthepoor.Becausesomecollegestudentscouldnotfindabetterjob,sotheydecidedtocontinuetoreadforseconddegree.Althoughanopportunityisrare,butwemustbereadytoseizeWestudentsshouldlearn/studyasmuchknowledgeasWithariseinhenumberofcarsandbuses,trafficinShanghaihas emoreandmorePeoplebegintoeatmoreviceActually,trafficjamshaveeffectedourdailyInmyopinion,IbelievethepresenteducationalsystemisinneedofThereasonwhypeoplechoosetoliveinthecountryisbecausethereisnopollutionnornoiseAfterfouryears,weallgraduatedfromcollegeandenteredManycollegestudentshaveastrongdesiretobeindependentontheirThecomputerlikeTV,ithasbothadvantagesandObviously,ourcountrywouldstopdevelopifnoRidingbicyclesconveniencesmyUnlikemovies,TVshowsoncontinuously,anddoesn’tneedtopayanextraTooeasyortodifficultisnogoodforCollegestudentsngpart-timejobsisgodtohisfamily,himself,andthewholeThecanteenshouldsetup ReadingbookscanacquirePeoplethinkgotothemoviewillcostalotofTherearemanypeopletakepartinsportsandgamesTherearemanypeoplecominthepaper-makingmillpolluteourfreshwatercanbypeopleAlthoughdifficultyisexist,butwe eWeshouldputourheartintotheWeyoungpeoplearenowlivinginsugarInasocietywheremenareheavyandwomenarelight,womencannotenjoyfullPeoplesetofffirecrackerstocongratulatetheredandwhitehappyWeshouldadvocatefivetalksandfourThosearemyhumble（一 Wecollegestudentshaveenoughtimetotakepart-timejobs,nomatterhowbusyweare.TherearesomanycountriesusingEnglishthatithasbeenregardedasaninternationallanguage.Whilethenumberofvehiclesisreduced,theefficiencyoftrafficshouldbeTherearemanywaystocontactwithsociety.Forexample,wecanjoininclubs,takepart-timejobs,orhelpthepoor.Iftherewerenoelectricity,allactivities,suchaswatchingTVandmovies,beObviously,ourcountrywouldstopdeveloiftherewerenoItisconvenientformetogoworkingbyMaterialsthataretooeasyortoodifficultareofnogoodforCollegestudents’ngpart-timejobsisgoodtohimself,hisfamilyandthewholeSeveralevisionsshouldbesetupintheWecanacquireknowledgebyPeoplethinkgoingtomovieswillcostalotofTherearemanypeopletakingpartinsportsandgamesTherearemanypeoplewhocominthepaper-makingmillpollutingourfreshwaterusedbypeople.Althoughdifficultiesexist,we e30.Withariseinthenumberofcarsandbuses,trafficinShanghai heavier.34.Thereasonwhypeoplechoosetoliveinthecountryisthatthereisneitherpollutionnornoisethere.Unlikemovies,TVshowsoncontinuously,andtheviewersdon’tneedtopayanextramoney.（二 ：12，13，14Sometimesateacherwillinformstudentsoftheheavyburdentheyhaveto（they就明确的指向了Someonebelievesthatateacher’staskistogivestudentsknowledge,theideawhichmaynotbetrue.（如此一来，which明确的指向前文的整句含义PeoplehavebeenfightingagainsttheinfluencetheinfluenceofTVcommercials,buttheeffortoftenprovesuseless.（it指代不明确，换成theeffort便可以明确的指代前文中所言）：20，21，22，23Itisimportantforustoacquireknowledgefrombooks,butweshouldalsosomethingfromsociety.（不需WhenIwasinahighschool,IalwayshadabeautifulpictureofcollegeIftherewerenoelectricpower,wewouldhavetodoeverythingbyIftherewerenoelectricpower,factorieswouldstopproducinggoods,andcarsbusesandtrainswouldstoprunning.：1，，333，3TVpresentsuswithmuchusefulinformation.（分清可数名词和不可数名词Makingourcitygreenerisnotaneasyjob.（分清抽象名词和具体名词 hashisownopportunities.（分清和集体概念29.Westudentsshouldacquire/obtainasmuchknowledgeasPeoplebegintohavemorenon-stapleActuallytrafficjamshaveaffectedourdailylife.（注意区分形似词Inmyopinionthepresenteducationalsystemisinneedofreform.（不必重复Fouryearslater,weallgraduatedfromcollegeandenteredManycollegestudentshaveastrongdesiretobeindependentoftheirLikeTV,acomputerhasbothadvantagesandWithouta evision,peoplecannotimmediaygetinformationthatcomesfromotherpartsoftheworld.Atmyageofsix,IwastaughtEnglishbymyToimproveone’swritingskill,heneedsregular（三 Iftherewerenoelectricpower,factorieswouldstopproducinggoods,andcarsbusesandtrainswouldstoprunning.Becausesomecollegestudentscannotfindsatisfactoryjobs,theydecidetocontinuetheirschoolingforaseconddegree.Althoughopportunitiesarerare,wemustbereadytoseizeAlthoughdifficultiesexist,we eTVnowysanimportantroleinourdailylife,becausewecannothaveabetterinsightintothealienworldwithoutit.（四 TherearesomanycountriesusingEnglishthatithasbeenregardedasaninternationallanguage.ThedietofpeoplehaschangedinthepastNowfruitsandvegetablescanbeseeneverywherewhentheyareinIcansolvemyproblemoftuitionandfeesbytakingapart-timeEachofusmaytakeapart-timejobtohelpsupporthimself,butifhespendstoomuchtimeonit,hisstudywillbeaffected.Withacomputer,onecandoshop,bankingandreadingatNowadays,peoplehaveenoughfoodofdecentParticipatinginsportsisgoodforphysicalhealthandcharacterWhilethenumberofvehiclesisreduced,theefficiencyoftrafficshouldbeItisimportantforustoacquireknowledgefrombooksbutweshouldalsolearnsomethingfromsociety.（整句前后要平行）（五 WearesupposedtofocusourattentiononouracademicWeyoungpeoplearenowleadingasweetInasocietywheremenareviewedoutweighingwomen,womencannotenjoyfullFirecrackersareoftensetoffonweddingsorWeshouldadvocatespiritualThosearemyPartIIReadingComprehension(SkimmingandTestPaperDirections:Inthispart,youwillhave15minutestogooverthepassagequicklyandanswerthequestionsonAnswerSheet1.Forquestions1-7,choosethebestanswerfromthefourchoicesmarkedA),B),C)andD).Forquestions pletethesentenceswiththeinformationgiveninthepassage.Ratesarelow,butconsumerswon’tWithheavydebtloadsandhighjoblessness,AmericansareTheUSFederalReserve(Fed)'sannouncementlastweekthatitintendedtokeepcreditcheapforatleasttwomoreyearswasaclearinvitationtoAmericans:Gooutandborrow.Butmanyeconomistssayitwilltakemorethanlowinterestratestopersuadeconsumerstotakeonmoredebt.Therearealreadysignsthattherecentstockmarketfluctuations,turbulenceinEuropeandtheUSdeficithavescaredconsumers.OnFriday,preliminarydatashowedthattheThomsonReuters/UniversityofMichiganconsumersentimentindexhadfallenthismonthtolowerthanitwasinNovember2008,whentheUnitedStateswasdeepinrecession.Undernormalcircumstances,theFed'sannouncementmighthaveattractednewhomeandcarbuyersandpromptedcreditcardholderstorackupfreshcharges.Butwithunemploymenthighandthosewithjobsworriedaboutkeethem,consumersaremoreconcernedaboutpayingofftheloanstheyalreadyhavethanaddingmoredebt.Andbyshowingitshandforthenexttwoyears,theFedmayhavethoughtlesslyinvitedprospectiveborrowerstoputofflargeLenders,meanwhile,arestilldealingwiththeeffectsoftheboom-gone-bustandareforcingprospectiveborrowerstogotoextraordinarylengthstoprovetheircreditworthiness."Idon'tthinklendersaregoingtobeinterestedinextendingalotofdebtinthisenvironment,"saidMarkZandi,chiefeconomistofMoody'sytics,amacroeconomicconsultingfirm."NordoIthinkhouseholdsaregoingtobeinterestedintakingonalotofdebt."Inhousing,consumershavealreadyshownaslowresponsetolowrates.Applicationsfornewmortgageshavedecreasedthisyeartoa10-yearlow,accordingtotheMortgageBankersAssociation.Salesoffurnitureandfurnishingsremain22%belowtheirpre-recessionpeak,accordingtoSpendingPulse,aresearchreportbyMasterCardAdvisors.Creditcardrateshaveactuallygoneupslightlyinthepastyear.Theonebrightspotinlendingisthenumberofautoloans,whichisupfromlastyear.Butsomeeconomistssaythatconfidenceamongcarbuyersishittingnewlows.ForXavierWalter,aformermortgagebankerwhowithhiswife,Danielle,accumulated$20000increditcarddebt,lowrateswillnotchangehisspendinghabits.Asthehousingmarkettoppedoutfiveyearsago,helosthissix-figure e.Heandhiswifewereabletomodifythemortgageontheirfour-bedroomhouseinMedford,NewJersey,aswellasnegotiatelowercreditcardpayments.Twoyearsago,Mr.Walter,a34-year-oldfatherofthree,startedanenergybusiness.Hehasswornoffcredit."I'mnotgoingtogobackindebteveragain,"hesaid."IfIcan'tpayforitincash,Idon'twantit."Untilnow,oneofthebiggestrestraintsonconsumerspendinghasbeenadebtaftereffect.SinceAugust2008,whenhouseholddebtpeakedat$12.41trillion,ithasdeclinedbyabout$1.2trillion,accordingtoanysisbyMoody'syticsofdatafromtheFederalReserveandEquifax,thecreditagency.Alargeportionofthat,though,wassimplywrittenoffbylendersasborrowersdefaultedonloans.Byothermeasures,householdshaveimprovedtheirposition.Theproportionofafter-taxethathouseholdsspendtoremaincurrentonloanpaymentshasfallen.Still,householddebtremainshigh.Thatpresentsaparadox:manyeconomistsarguethattheeconomycannotachievetruehealthuntildebtlevelsdecline.Butcredit,madeattractivebylowrates,isatime-testedwaytoincreaseconsumerspending.Withnewrisksofanotherdownturn,economistsworrythatitwilltakeyearsfordebttoreturntomanageablelevels.Iftheeconomycontractsagain,saidGeorgeMagnus,senioradviseratUBS,then"youcouldfindalotofhouseholdsinadebttrapwhichtheyprobablycannevergetoutof."Mortgagelenders,meanwhile,burnedbythehousingcrash,areextracarefulaboutapprovingnewloans.InJune,forinstance,FannieMae,thelargestmortgagebuyerintheUnitedStates,saidthatborrowerswhoseexistingdebtexceeded45to50%oftheir ewouldberequiredtohavestronger"compensating"factors,whichmightincludehighersavings.Eventhoseborrowersinstrongfinancialpositionsareaskedtoprovideunusualamountsofpaperwork.BobbyandKatieSmithhaveanextremelygoodcreditrecord,tinystudentdebtandacombinedsix-figure e.Forpartoftheirdownpayment,theynnedtouseabout$5000theyhadreceivedasweddinggiftsinFebruary.ButthelenderwouldnotacceptthatmoneyunlesstheSmithsprovidedacertifiedletterfromeachof14guests,statingthatthemoneywasagift,ratherthanaloan."Welaughedforagood15or20minutes."recalledMr.Smith.Mr.Smith,aprogramdirectorforaradiostationinOrlando,Florida,saidtheyendedupusingothersavingsfortheirdownpaymenttobuya$300000four-bedroomhouseinApril.ForthosenotascreditworthyastheSmiths,lowratesareirrelevantbecausetheynolongerqualifyformortgages.Thatleavestheeligiblepoolofloanapplicantswealthier,"olderandwhiter,"saidGuyCecala,publisherofInsideMortgageFinance."It'screatingmuchmoreofadivide,"hesaid,"betweenthehavesandthehave-nots."Carshopperswiththehighestcreditratingscanalsogetloansmoreeasily,andatlowerrates,saidPaulC.Taylor,chiefeconomistoftheNationalAuto DealersAssociation.Duringtherecession,inabilitytoobtaincreditseverelycutautobuyingaslenderseventhosewithgoodcreditratings.Nowautomakersareincreasingtheirsubprime（次级债的）lendingagainaswell,butremainhesitanttoapprovelargenumbersofriskycustomers.Thenumberofnewautoloanswasupbyl6%inthesecondquartercomparedwiththepreviousyear,saidMelindaZabritski,directorofautomotivecreditatExperian,theinformation Butsomeeconomistswarnthatconsumerconfidenceisfalling.AccordingtoCNWMarketingResearch,confidenceamongthosewhointendtobuyacarthisyearisatitslowestsinceitbegancollectingdataonthismeasurein2000.Oncreditcards,rateshaveactuallyinchedhigherthisyear.largelybecauseofnewrulesthatcurbtheissuer'sabilitytochargefeesorraisecertaininterestratesatwill.Attheendofthesecondquarter,ratesaveraged14.01%onnewcardoffers,upfrom13.75%ayearearlier,accordingtoMailMonitor,whichtrackscreditcardsforSynovate,amarketresearchfirm?AccordingtodatafromtheFederalReserve,totaloutstandingdebtonrevolvingcreditcardswasdownby4.6%duringthefirsthalfoftheyearcomparedwiththesameperiodayearearlier.EveniftheFed'sannouncementhelpskeepratessteady,orpushesthemdown,businessesdonotexpectcustomerstosuddenlychargeupastorm.Crowell,whoownsSterlingce,twohigh-endhomefurnishingandgiftstoresinNewYork."Peoplestillfearfortheirjobs.SoIthinkwheremaybeafterotherrecessionstheymightreturntopreviousspendinghabits,thependulumhasn'tswungbackthesameway."1.WhatisthepurposeoftheannouncementissuedbytheUSFederalReservelastTohelpreducethedebtburdenonTothebankstolowertheirinterestToencourageconsumerstogetmorebankTopreventfurtherfluctuationsinthestockWhyarepeoplereluctanttotakeonmoredebtdespitethelowinterestTheyareafraidoflosingtheirgoodcreditTheyarepessimisticaboutemploymentTheyhavelittlefaithintheFed'sfinancialTheyexpecttheFedtofurtherlowerinterestWhatdoestheauthorsayaboutlendersinthecurrentcreditThey ingmoreTheyareeagertooffermoreTheyadviseprospectiveborrowerstoputofflargeTheyareonlyconcernedabouthowmuchtheycangetWhatdoestheauthorwanttosaybycitingXavierWalter'sNotmanyAmericanscanaffordtopayincashtheseTheFed'spoliciesexertastronginfluenceonPeoplenowwon'tbuythingsunlesstheyhavetheItisbeneficialforAmericanstoborrowintimesofWhatistheeconomists'concernregardingthecurrentConsumers'unwillingnessto [C]Theever-loweringinterestBanks'inabilitytorecover [D]Theunma