Ⅲ。 Cloze (20 points)

　　Directions：

　　For each blank in the following passage， there are four choices given below and marked A， B， C and D. Choose the one that is most suitable and mark your answer by blackening the corresponding letter on the Answer Sheet.

　　Investors can _51_ money simply by loaning it. The money they loan is called capital. Security (担保) is an expensive item which the borrower mortgages (抵押) to the investor to show that he intends to _52_ the debt. The way investors make money on loans is to charge interest. Interest is money that _53_ pay to investors for the use of their money. Interest is usually a certain percentage of the capital. Investors sometimes _54 ten percent or more interest per year. The interest may be calculated daily， monthly， or yearly. The interest must be _55_ before the capital can be repaid. If the interest is not _56_ the agreed rate， the interest is added _57_ the capital. Then the borrower has _58_ pay interest on the unpaid interest _59_ on the capital. A debt can grow quickly this way. If the total of the capital and accumulated interest gets too high， the investor will take _60_ of the item used as security and sell it to get his money back.

　　51.A. get B. make C. have D. carry

　　52.A. repay B. leave C. get D. give

　　53.A. borrowers B. lenders C. peoples D. others

　　54.A. cost B. ask C. charge D. change

　　55.A. by day B. by the day C. every day D. daily

　　56.A. paid B. to be paid C. pay D. paying

　　57.A. on B. to C. for D. with

　　58.A. to B. on C. into D onto

　　59.A. or B. also C. but also D. as well as

　　60.A. the place B. possession C. turn D. care

　　Ⅳ。 Reading Comprehension (60 points)

　　Directions：

　　There are four reading passages in this part. Each passage is followed by five questions. For each question there are four suggested answers marked A， B， C and D. Choose one best answer and blacken the corresponding letter on the Answer Sheet.

　　Passage One

　　Students enrolled at least half time may borrow up to $3，000 form the government over a two-year period. Repayment of the loan begins six months after the student leaves school. These loans carry on interest until this time. The current interest rate is 5 percent. Students may borrow up to $4，500 annually from a bank， credit union， savings and loan association or other eligible lender. Repayment on these loans usually begins six months after the student leaves school. These loans carry no interest until this time. This current interest rate is 9 percent. Parents may borrow up to $300 annually for each dependent college. Repayment begins forty-five days after receiving the loan， and the interest rate is 12 percent.

　　61. Which of the following is the main purpose?

　　To remind students and their families to repay their loan.

　　To compare interest rates.

　　To inform students and parents of the various loans available.

　　To show that government loans charge the least interest.

　　62. The highest interest rate is charged to _______.

　　A. full-time students B. parents

　　C. students borrowing from a credit union D. half-time students

　　63. If parents had three children in college how much could they borrow annually?

　　A. 900 B. 3，000 C. 300 D. 9，000

　　64. According to the passage which of the following is true.

　　The government lends students enrolled at least half time up to 3，000 annually.

　　Students may borrow up to $4，500 annually from four sources.

　　Students enrolled less than half time may borrow money.

　　The current interest rate from banks is 5 percent.

　　65. It can be inferred from the passage that _______.

　　the student‘s school determines who is an eligible lender

　　money is available for student loans

　　students need not be enrolled half time to borrow money

　　the interest rate on student loans is increasing

　　Passage Two

　　Are you aware that you actually possess six senses? The sixth is a muscular sense responsible for directing your muscles intelligently to the exact extent necessary for each action you perform. For example， when you reach for an object， the sensory nerves linking the muscles to the brain stop your hand at the correct spot. This automatic perception of the position of your muscles in relation to the object is your muscular sense in action.

　　Muscles are stringly bundles of fibers varying from one five-thousandth of an inch to about three inches. They have three unique characteristics， they can become shorter and thicker; they can stretch; and they can retract to their original positions. Under a high-powered microscope， muscle tissue is seen as long， slender cells with a grainy texture like wood.

　　More than half of a person‘s body is composed of muscle fibers， most of which are involuntary—in other words， work without conscious direction. The voluntary muscles， those that we move consciously to perform particular actions， number more than five hundred. Women have only 60 to 70 percent as much muscle as men for their body mass. That is why an average woman can’t lift as much， throw as far， or hit as hard as an average man.

　　66. According to the selection， the muscular sense is responsible for ______.

　　A. the efficiency of our muscles B. the normal breathing function

　　C. directing our muscles intelligently D. the work of only our involuntary muscles

　　67. Intelligent use of the muscles means that ________.

　　one always knows what his muscles are doing

　　one performs simple actions whithout working

　　one‘s muscles are used only to the extent necessary for each action they perform

　　one improves muscular action consciously

　　68. Muscles are unique fibers because， they can ________.

　　A. contract B. stretch C. retract D. do all of the above

　　69. Under a microscope， muscle cells appear to be _______.

　　A. textured like wood B. colored like wood

　　C. smooth and red D. short and thick

　　70. According to the selection more than half of a person‘s body is composed of ______.

　　A. voluntary muscles B. involuntary muscles

　　C. muscle fibers D. sensory nerves