2022年大學(xué)英語考試模擬卷三30測

2022年大學(xué)英語考試模擬卷三（本卷共分為1大題50小題,作答時(shí)間為180分鐘,總分100分,60分及格。）單位: 姓名: 考號:題號單選題多項(xiàng)選擇判斷題綜合題總分分值得分ー、單項(xiàng)選擇題(共50題,每題2分。每題的備選項(xiàng)中,只有一個(gè)最符合題意)A)Shedoesn1tIiketheskirl.C)Shewillbuytheskirt.B)SheIikestheskirtverymuch.D)Shedoesn'tbringenoughmoney.A)Idon'twanttogowithyou.B)I'mnotsure.C)Thankyouverymuch.D)That'sagoodidea.A)Sorry,Ican'thelpyou. B)It'sveryinteresting. C)Yes,Ihave. D)Youcantaskmethat.A)Atthebank. C)Attheairport.B)Intheshoppingcentre. D)InahoteI.A)Bytaxi. C)Byair.B)Bybus. D)Onfoot.Women'sfashionstendtochangemorerapidlythanmen's.IntheearIy1900'sailwomenworetheirskirtsdowntotheankIe.Today,skirtlengthvariesfromfloor-lengthtoteninchesabovetheknee.Women'sshoeshavealsogonethroughalIsortsofchangesinthelastninetyyears.Forinstance,bootsforwomenwereverycommonatthebeginningofthiscentury.Then,forafewyears,theywerenotconsideredfashionable.TodaytheyarebackinstyleagaininalIcolon,lengths,andmaterials.Infact,today'swomencanwearalItypesofclothes-evenT-shirtsandshortsonaImostanyoccasion.WhiIeaIIofthesechangesweretakingpIaceinwomen,sfashions,men'scIothingremainedprettymuchthesameuntiIacoupIeofyearsago.And,infact,mostmenstillwearthetraditionalsuit,jacket,shirt,tie,thoughbrightcolors,patterns,andavarietyincutarenowmorecommon.Nowadayswomenwear.shortskirtsbothlongskirtsandshortskirtsnotonlyskirtsbutalsolongbootslongerskirtsthanthosewomenusedtowearatthebeginningofthiscentury7.Women'sfashionstendtochangemorerapidlythanmen's.IntheearIy1900'sailwomenworetheirskirtsdowntotheankIe.Today,skirtlengthvariesfromfloor-lengthtoteninchesabovetheknee.Women'sshoeshavealsogonethroughalIsortsofchangesinthelastninetyyears.Forinstance,bootsforwomenwereverycommonatthebeginningofthiscentury.Then,forafewyears,theywerenotconsideredfashionable.TodaytheyarebackinstyleagaininaIIcolon,lengths,andmaterials.Infact,today'swomencanwearalItypesofclothes—even'F-shirtsandshortsonalmostanyoccasion.WhiIeaIIofthesechangesweretakingpIaceinwomen'sfashions,men'scIothingremainedprettymuchthesameuntiIacoupIeofyearsago.And,infact,mostmenstillwearthetraditionalsuit,jacket,shirt,tie,thoughbrightcolors,patterns,andavarietyincutarenowmorecommon.Today,womenthinkthatbootsare.cheapinthefashionuncomfortabletooheavyTheupsanddownsofIifemayseemtohavenopredictableplan.ButscientistsnowknowthereateverydefinitepatternsthataImostalIpeopIeshare.Evenffyou'vepassedsomeofyour"prime”,youstillhaveotherprimeyearstoexperienceinthefuture.WhenareyousmartestFrom18to25,accordingtoI.Q.scores;hutyou'rewiserandmoreexperiencedwithincreasingage.You'resharpestinyour20%ButyourI.Q.forothertasksclimbs.Yourvocabularyatage45,forexample,isthreetimesasgreataswhenyougraduatedfromcollege.At60,yourDrainpossessesalmostfourtimesasmuchinformationasitdidatage21.WhenareyouhappiestYouhavethebestphysicalsenseofyourselffrom15to24;thebestprofessionalsensefrom40to44.Beforeage24,webeIievethatourhappiestyearsareyettocome;over30,webeIievethatthey'rebehindus.ANationaIHealthSurveyagrees:Afterage30,webecomemorerealisticanddonotviewhappinessasagoalinitself.Ifwemaintainourhealth,achieveprofessionalandemotionaIgoals,happinesswiIIf〇IIow.WhenareyoumostcreativeGenerallybetween30and39,butthepeakvarieswithdifferentprofessions.Mozartwroteasymphonybyageeight,andMendelssohncomposedhisbestknownworkat17,butmostofthegreatmusicwaswrittenbymenbetween33and44.Thoughthepeakinmastfieldscomesearly,creativepeopIecontinuetoproducequaIityworkthroughouttheirIives.Forthe"weII-conditionedmind",thereisnoupperIimit.Theexpression"primeyears"on15inc2,Paragraph1probablymeans.A.theageofidealphysicalcondition B.beearlyintimeorD.themost6frier C.theperiodofidemorpeakconditionD.themostspeciaIdaysWomen'sfashionstendtochangemorerapidlythanmen's.IntheearIy1900'sailwomenworetheirskirtsdowntotheankIe.Today,skirtlengthvariesfromfloor-lengthtoteninchesabovetheknee.Women'sshoeshavealsogonethroughalIsortsofchangesinthelastninetyyears.Forinstance,bootsforwomenwereverycommonatthebeginningofthiscentury.Then,forafewyears,theywerenotconsideredfashionable.Todaytheyarebackinstyleagainina11colon,lengths,andmaterials.Infact,today'swomencanwearalItypesofclothes-evenT-shirtsandshortsonalmostanyoccasion.WhiIeaIIofthesechangesweretakingplaceinwomen'sfashions,men'scIothingremainedprettymuchthesameuntiIacoupIeofyearsago.And,infact,mostmenstillwearthetraditionalsuit,jacket,shirt,tie,thoughbrightcolors,patterns,andavarietyincutarenowmorecommon.Whenwomengoouttoday,theywear.overcoatsshortskirtsformaldressanythingliketoTheupsanddownsofIifemayseemtohavenopredictableplan.ButscientistsnowknowthereateverydefinitepatternsthataImostalIpeopIeshare.Evenffyou'vepassedsomeofyour"prime",youstillhaveotherprimeyearstoexperienceinthefuture.WhenareyousmartestFrom18to25,accordingtoI.Q.scores;hutyou'rewiserandmoreexperiencedwithincreasingage.You'resharpestinyour20%ButyourI.Q.forothertasksclimbs.Yourvocabularyatage45,forexample,isthreetimesasgreataswhenyougraduatedfromcollege.At60,yourDrainpossessesalmostfourtimesasmuchinformationasitdidatage21.WhenareyouhappiestYouhavethebestphysicalsenseofyourselffrom15to24;thebestprofessionalsensefrom40to44.Beforeage24,webeIievethatourhappiestyearsareyettocome;over30,webeIievethatthey'rebehindus.ANationaIHealthSurveyagrees:Afterage30,webecomemorerealisticanddonotviewhappinessasagoalinitself.Ifwemaintainourhealth,achieveprofessionalandemotionaIgoals,happinesswiIIf〇IIow.WhenareyoumostcreativeGenerallybetween30and39,butthepeakvarieswithdifferentprofessions.Mozartwroteasymphonybyageeight,andMendelssohncomposedhisbestknownworkat17,butmostofthegreatmusicwaswrittenbymenbetween33and44.Thoughthepeakinmastfieldscomesearly,creativepeopIecontinuetoproducequaIityworkthroughouttheirIives.Forthe“weII-conditionedmind",thereisnoupperIimit.Atwhatageareyousmartest,sharpestandwiththebestphysicalsense,accordingtothepassageA.Fromabout15to25B.Over30C.From45to49 D.At60Women'sfashionstendtochangemorerapidlythanmen's.IntheearIy1900'sailwomenworetheirskirtsdowntotheankIe.Today,skirtlengthvariesfromfloor-lengthtoteninchesabovetheknee.Women'sshoeshavealsogonethroughalIsortsofchangesinthelastninetyyears.Forinstance,bootsforwomenwereverycommonatthebeginningofthiscentury.Then,forafewyears,theywerenotconsideredfashionable.Todaytheyarebackinstyleagainina11colon,lengths,andmaterials.Infact,today'swomencanwearalItypesofclothes-evenT-shirtsandshortsonalmostanyoccasion.WhiIeaIIofthesechangesweretakingpIaceinwomen'sfashions,men'scIothingremainedprettymuchthesameuntiIacoupIeofyearsago.And,infact,mostmenstillwearthetraditionalsuit,jacket,shirt,tie,thoughbrightcolors,patterns,andavarietyincutarenowmorecommon.Men'scIothesaremorecolorfuIthan.women'stiesandshoestheyusedtobetraditionaljackets12.TheupsanddownsofIifemayseemtohavenopredictableplan.ButscientistsnowknowthereateverydefinitepatternsthataImostalIpeopIeshare.Evenffyou'vepassedsomeofyour"prime”,youstillhaveotherprimeyearstoexperienceinthefuture.WhenareyousmartestFrom18to25,accordingtoI.Q.scores;hutyou'rewiserandmoreexperiencedwithincreasingage.You'resharpestinyour20%ButyourI.Q.forothertasksclimbs.Yourvocabularyatage45,forexample,isthreetimesasgreataswhenyougraduatedfromcollege.At60,yourDrainpossessesalmostfourtimesasmuchinformationasitdidatage21.WhenareyouhappiestYouhavethebestphysicalsenseofyourselffrom15to24;thebestprofessionalsensefrom40to44.Beforeage24,webeIievethatourhappiestyearsareyettocome;over30,webeIievethatthey'rebehindus.ANationaIHealthSurveyagrees:Afterage30,webecomemorerealisticanddonotviewhappinessasagoalinitself.Ifwemaintainourhealth,achieveprofessionalandemotionaIgoals,happinesswiIIf〇IIow.WhenareyoumostcreativeGenerallybetween30and39,butthepeakvarieswithdifferentprofessions.Mozartwroteasymphonybyageeight,andMendelssohncomposedhisbestknownworkat17,butmostofthegreatmusicwaswrittenbymenbetween33and44.Thoughthepeakinmastfieldscomesearly,creativepeopIecontinuetoproducequaIityworkthroughouttheirIives.Forthe"weII-conditionedmind",thereisnoupperIimit.TherearemanywaystotakehappinesswithusinourIivesEXCEPTFORmaintainingourhealthachievingprofessionalgoalsachievingemotionalgoalsbeingsmartandsharpWomen'sfashionstendtochangemorerapidlythanmen's.IntheearIy1900'sailwomenworetheirskirtsdowntotheankIe.Today,skirtlengthvariesfromfloor-lengthtoteninchesabovetheknee.Women'sshoeshavealsogonethroughalIsortsofchangesinthelastninetyyears.Forinstance,bootsforwomenwereverycommonatthebeginningofthiscentury.Then,forafewyears,theywerenotconsideredfashionable.Todaytheyarebackinstyleagainina11colon,lengths,andmaterials.Infact,today'swomencanwearalItypesofclothes-evenT-shirtsandshortsonalmostanyoccasion.WhiIeaIIofthesechangesweretakingpIaceinwomen*sfashions,men*scIothingremainedprettymuchthesameuntiIacoupIeofyearsago.And,infact,mostmenstillwearthetraditionalsuit,jacket,shirt,tie,thoughbrightcolors,patterns,andavarietyincutarenowmorecommon.WhichofthefollowingstatementsisTRUEMenneverwearjacketsandtiesatall.Men'sfashionchangedasrapidlyaswomen's.Men'sclothinghasn'tchangedsomuchforseveralyears.Greatchangeshavetakenplaceinmen'sclothingrecently.TheupsanddownsofIifemayseemtohavenopredictableplan.ButscientistsnowknowthereateverydefinitepatternsthataImostalIpeopIeshare.Evenffyou'vepassedsomeofyour"prime”,youstillhaveotherprimeyearstoexperienceinthefuture.WhenareyousmartestFrom18to25,accordingtoI.Q.scores;hutyou'rewiserandmoreexperiencedwithincreasingage.You'resharpestinyour20%ButyourI.Q.forothertasksclimbs.Yourvocabularyatage45,forexample,isthreetimesasgreataswhenyougraduatedfromcollege.At60,yourDrainpossessesalmostfourtimesasmuchinformationasitdidatage21.WhenareyouhappiestYouhavethebestphysicalsenseofyourselffrom15to24;thebestprofessionalsensefrom40to44.Beforeage24,webeIievethatourhappiestyearsareyettocome;over30,webeIievethatthey'rebehindus.ANationaIHealthSurveyagrees:Afterage30,webecomemorerealisticanddonotviewhappinessasagoalinitself.Ifwemaintainourhealth,achieveprofessionaIandemotionaIgoals,happinesswiIIf〇IIow.WhenareyoumostcreativeGenerallybetween30and39,butthepeakvarieswithdifferentprofessions.Mozartwroteasymphonybyageeight,andMendelssohncomposedhisbestknownworkat17,butmostofthegreatmusicwaswrittenbymenbetween33and44.Thoughthepeakinmastfieldscomesearly,creativepeopIecontinuetoproducequaIityworkthroughouttheirIives.Forthe"weII-conditionedmind",thereisnoupperIimit.Fromthelastparagraph,wecanlearnthat.forthosecreativepeople,thereisnoupperlimitinlifeformostofus,thepeakinmostfieldscomesearlythepeakvarieswithdifferentprofessionsD.howwecankeepourcreativenessTheupsanddownsofIifemayseemtohavenopredictableplan.ButscientistsnowknowthereateverydefinitepatternsthataImostalIpeopIeshare.Evenffyou'vepassedsomeofyour"prime”,youstillhaveotherprimeyearstoexperienceinthefuture.WhenareyousmartestFrom18to25,accordingtoI.Q.scores;hutyou,rewiserandmoreexperiencedwithincreasingage.You'resharpestinyour20%ButyourI.Q.forothertasksclimbs.Yourvocabularyatage45,forexample,isthreetimesasgreataswhenyougraduatedfromcollege.At60,yourDrainpossessesalmostfourtimesasmuchinformationasitdidatage21.WhenareyouhappiestYouhavethebestphysicalsenseofyourselffrom15to24;thebestprofessionalsensefrom40to44.Beforeage24,webeIievethatourhappiestyearsareyettocome;over30,webeIievethatthey,rebehindus.ANationaIHealthSurveyagrees:Afterage30,webecomemorerealisticanddonotviewhappinessasagoalinitself.Ifwemaintainourhealth,achieveprofessionalandemotionaIgoals,happinesswiIIf〇IIow.WhenareyoumostcreativeGenerallybetween30and39,butthepeakvarieswithdifferentprofessions.Mozartwroteasymphonybyageeight,andMendelssohncomposedhisbestknownworkat17,butmostofthegreatmusicwaswrittenbymenbetween33and44.Thoughthepeakinmastfieldscomesearly,creativepeopIecontinuetoproducequaIityworkthroughouttheirIives.Forthe"weII-conditionedmind1',thereisnoupperIimit.Thepassageismainlyabout.theupsanddownsoflifemayhavenopredictableplaneveryonehashisorherprimeyearstoexperienceagainafterthe“prime"inhisorher20'satwhatageyouaresmartestinyourlifeatwhatageyouarehappiestinyourlifeWorkplaceNegativityNothingaffectsempIoyeemoralemoreadverseIythanpersistentworkpIacenegativity.ItsapsC肖耗）theenergyofyourorganizationanddivertscriticalattentionfromworkandperformance.Negativityoccursintheattitude,outIook,andtalkofonedepartmentmember,orinacrescendo（高潮）ofvoicesrespondingtoaworkplacedecisionorevent.LearnAboutWorkplaceNegativityAsamanagerorhumanresourcesprofessional,youarecloselyintouchwithemployeesthroughoutthecompany.ThisaIIowsyoutokeepyourfingersonthepuIseoftheorganizationtosenseworkplacenegativity.ItenabIesyoutoestabIishandheedearlywarningsignalsthatalIisnotwell.YoureceiveempIoyeecomplaints,doexitinterviewswithempIoyeeswholeave,andknowthereputationofyourorganizationinyourcommunity.YouwatchthediscussionsonempIoyeeIntranets,managetheappraisaland360-degreefeedbackprocess,andcoachmanagersinappropriatestafftreatment.ThisinformationwiIIhelpyoulearntoidentifythesymptomsofnegativitybeforeitsmorale-bustingconsequencesdamageyourworkplace.ItwiIIalsoassistyouinpreventingandcuringworkplacenegativity.DiagnoseWorkplaceNegativityNegativityisanincreasingproblemintheworkplace,accordingtoGaryS.Topchik,theauthorofManagingWorkplaceNegativity.Hestates,inaManagementReviewarticle,thatnegativityisoftentheresultofalossofconfidence,control,orcommunity.KnowingwhatpeopIearenegativeaboutisthefirststepinsolvingtheproblem.Inmyexperience,whenrumblings（抱怨）andnegativityarebeginninginyourorganization,talkingwithempIoyeeswiIIhelpyouunderstandtheexactproblemsandthedegreetowhichtheproblemsareimpactingyourworkplace.YouwiIIwanttoidentifytheexactempIoyeegroupswhoareexperiencingthenegativity,andthenatureoftheissuesthatsparkedtheirunhappiness.Perhapstheorganizationmadeadecisionthatadverselyaffectedstaff.PerhapstheexecutivemanagerheldastaffmeetingandwasperceivedtothreatenorignorepeopIeaskinglegitimatequestions.MaybestaffmembersfeelinsecurebecauseconcernexistsoverlosingaproductIine.PerhapsundergroundrumorsarecirculatingaboutanimpendingIayoff.PeopIemayfeelthattheygivetheorganizationmorethantheyreceiveinreturn.TheymayfeeIthatacoworkerismistreatedordeniedadeservedpromotion.WhenYouAreNotinControloftheNegativityNegativityoftenoccurswhenpeopIeareimpactedbydecisionsandissuesthatareoutoftheircontrol.ExampIesoftheseinclude:corporationdownsizing;understaffingthatrequirespeopIetoworkmandatoryovertime;budgetreductions;andupper-managementdecisionsthatadverselyimpactmembersofyourstaff.Underthesecircumstances,asahumanresourcesprofessional,trysomeofthefollowingideas.-Identifyanyaspectsofthesituationthatyoucanimpact,includingprovidingfeedbackinyourorganizationaboutthenegativeimpactthatisoccurring.（Sometimesdecisionsaremadeandnooneunderstandsorpredictstheiroutcome.SometimesyoucaninfIuenceanissueoradecisionifyoupracticepersonal,professionalcourageandspeakyourmind.）—Listen,Iisten,Iisten.OftenpeopIejustneedasoundingboard.BevisibleandavaiIabletostaff.Proactively（積極地）schedulegroupdiscussionsessions,townmeetings,*rIuncheswiththemanagerMorone-on-oneblocksoftime.——ChaIIengepessimisticthinkingandnegativebeIiefsaboutpeople,thecompany,andtheworkarea.Don''tletnegative,falsestatementsgounchaIlenged.Ifthestatementsaretrue,providetherationale,thecorporatethinking,andtheeventsthatareresponsibleforthenegativecircumstances.ShareeverythingyouknowaboutasituationtobuiIdtrustwiththeworkforce. —Askopen-endedquestionstodeterminethecause,andthescopeofthenegativefeelingsorreaction.Maybeit''snotasbadaspeopIethink;maybetheirinterpretationofeventsisfaulty.HelpingpeopIeidentifyexactIywhattheyfeelnegativeIyaboutisthefirststepinsolvingtheproblem.Youcan''tsolveafogofunhappiness.HelppeopIecreateoptions,feelincluded,andfeeIpartofthecommunicationandproblem-solving.(DoalIoftheitemsmentionedinthesection"MinimizeWorkplaceNegativity".)RecognizeYourPotentiaIPartintheNegativityCycle—Recognizethatyouarehumanandoccasiona11yexperiencesituationsinwhichyoumustuphoIddecisionsyoudontentirelysupport.Youdontwanttocontributetothenegativitybyyourwords,actions,non-verbaIbehavior,orvoice.Yet,youwanttoactauthenticallysoyouaretrustworthyandcredible. —KnowyourselfweIIenoughtorecognizeinternallywhenyouarebecomingnegative.—Becomeawareofworksituationsinwhichyoutypicallyfindyourselfbecomingdefensiveornegative.BecauseyouareA.YB.NC.NGBritishuniversities,groaningundertheburdenofahugeincreaseinstudentnumbers,arewarningthatthetraditionofafreeeducationisatrisk.TheuniversitieshavethreatenedtoimposeanadmissionfeeonstudentstoplugagapinrevenueifthegovernmentdoesnotacttoTheimprovetheirfinancesandscrapsomepubIicspendingcutbacks.Thegovernmentrespondedtotheuniversities''threatbysettingupthemostfundamentaIreviewofhighereducationforageneration,underanon-partytroubleshooter（調(diào)停人），SirRonDealing.Oneinthreeschool-leaversentershighereducation,fivetimesthenumberwhentheIastreviewtookpIacethirtyyearsago. Everyoneagreesasystemthatisfeelingthestrainafterrapidexpansionneedsalotmoremoney-butthereisIittIehopeofgettingitfromthetaxpayerandnotmuchscopeforattractingmorefinancefrombusiness.MostcollegesbeIievestudentsshouldcontributetotuitioncosts,somethingthatiscommoneIsewhereintheworIdbutwouldmarkarevolutionarychangeinBritain.Universitieswantthegovernmenttointroducealoanschemefortuitionfeesandhavesuspendedtheirownthreatenedactionfornow.TheyawaitDearingsadvice,hopingitwiIInotbetoolate-somearealreadyreportedtobeinfinancialdifficulty.Asthecenturynearsitsend,thewholeconceptofwhatauniversityshouldbeisunderthemicroscope.Expertswonderhowmuchtheycanusecomputersinsteadofclassrooms,talkoftheneedforIifelonglearningandrefertostudentsas"consumers."TheConfederation（聯(lián)盟）ofBritishIndustry,thekeyempIoyersorganization,wantsevenmoreexpansioninhighereducationtohelpfightcompetitiononworldmarketsfromboomingAsianeconomies.Butthegovernmenthasdoubtsaboutmoreexpansion.TheTimesnewspaperagrees,compIainingchatquaIityhassufferedasstudentnumberssoared,withclosetutorialsupervisiongivingwayto"massproductionmethodsmoretypicalofEuropeanuniversities.ThechiefconcernofBritishuniversitiesis.howtotackletheirpresentfinancialdifficultyhowtoexpandtheenrollmenttomeettheneedsofenterpriseshowtoimprovetheireducationaltechnologyhowtoputanendtothecurrenttendencyofqualitydeterioration18.Ah,thegoodolddays-Iikelastyear,whenmortgageratesweresolowyoucouldntgetabrokertotakeyourcalls-theywerealItoobusyprocessingpilesofrefis.Nowrateson30-yearloansareat6.5percent,thehighesttheyvebeensincethemiddleof2002,accordingtothelatestsurveybymortgage-financecompanyFreddieMac.Andmanyeconomists,IikeFreddiesFrankNothaft,expectthatupwarddrifttocontinue,albeitmodestly.Herearetipsfordealingwiththosehigherratesinthemarketnow:Ifyou''rebuyingahomeandIookingforanewloan,shopforafixed-ratedeal.Thespreadsbetweenadjustable-andfixed-rateloansrightnowarenotworththeriskofIettingyourratesfloatatatimewhenthecostofmoneyisontherise.TheratesonnewadjustablemortgagesarealIover6percent,too.Ifyoutookoutoneofthosescary"option"mortgagesthatchangeratesmonthIyandallowyoutodeferpayingofftheprincipalpartofyourloan,youcouldbegettingsqueezedsoon.Withratesadjustingup(sometimesmonthIy),youmayfindyourselfunabletomakepayments.Inthatcase,usetheoptionofmakinginterest-onlypaymentswhileyoushopforabetterloan.Youwon''tbebuiIdingequity,butyouwontbehurtingyourcreditscoreeither.Looktotradeinthatoptionloanforafixed-rateloanoramorestablevariable-rateloanifyoucanquaIify.ThatwouldIimitthefrequencywithwhichyourratescouldrise.Ifyou''veborrowedasubstantialamountonahome-equityIineofcredit,considerreplacingitwithafixed-ratesecondmortgage.AverageratesonthevariableIinesareroughly7.89percent;they''re7.63percentforaloan,accordingtobankrate,com.ThatmeansthatyoucanloweryourratesIightIy,eliminatethepossibiIitythataraterisewiIIincreaseyourcostsandnaiIdownafixedtermsoyou''renotpayingforthosehomeimprovementsforever.Youcouldalsothinkcreativelyonthathome-equityIine.Someborrowersaresavinginterestonamonth-to-monthbasisbyshuffIingbalancesfromtheirhome-equityIinestocreditcardsofferingzero-interestdeals.Thisworks,ifyou''revigiIantaboutreadingthesmaIIprintandshiftingthemoneybackattherighttime.Ifyouwanttostickwithanopen-endedhome-equityIineofcredit,youstillmightwanttotradeinyourIineforanewone.Olderhome-equityIinesaren''tallascompetitiveIypricedasnewones.Theymightbecarryinginterestratesofprimeplus2percentagepointsorprimeplus3percentagepoints.NowyoucanfindnewIinesofcreditwithcome-onratesIikeprimepluszero,orevenbelowprime,ifyoushoparound.Thosemortgagebrokerswi11takeyourcalIs.Theywantyouback.Thefollowingstatementsarecorrectexcept.Thehigherthemortgagerate,thebusierthebrokersareFrankNothaftbelievesthemortgageratewillcontinuetoriseThemortgageratefor30-yearloansis6.5%Itisbeneficialfortheconsumertobuyahomewhenthemortgagerateislow19.Britishuniversities,groaningundertheburdenofahugeincreaseinstudentnumbers,arewarningthatthetraditionofafreeeducationisatrisk.TheuniversitieshavethreatenedtoimposeanadmissionfeeonstudentstoplugagapinrevenueifthegovernmentdoesnotacttoimprovetheirfinancesandscrapsomepubIicspendingcutbacks.Thegovernmentrespondedtotheuniversities''threatbysettingupthemostfundamentaIreviewofhighereducationforageneration,underanon-partytroubleshooter（調(diào)停人），SirRonDeaIing.Oneinthreeschool-leaversentershighereducation,fivetimesthenumberwhentheIastreviewtookpIacethirtyyearsago. EveryoneagreesasystemthatisfeeIingthestrainafterrapidexpansionneedsalotmoremoney—butthereisIittIehopeofgettingitfromthetaxpayerandnotmuchscopeforattractingmorefinancefrombusiness.MostcollegesbeIievestudentsshouldcontributetotuitioncosts,somethingthatiscommonelsewhereintheworldbutwouldmarkarevolutionarychangeinBritain.Universitieswantthegovernmenttointroducealoanschemefortuitionfeesandhavesuspendedtheirownthreatenedactionfornow.TheyawaitDearingsadvice,hopingitwiIInotbetoolate-somearealreadyreportedtobeinfinanciaIdifficulty.Asthecenturynearsitsend,thewholeconceptofwhatauniversityshouldbeisunderthemicroscope.Expertswonderhowmuchtheycanusecomputersinsteadofclassrooms,talkoftheneedforIifelonglearningandrefertostudentsas"consumers.MTheConfederation（聯(lián)盟）ofBritishIndustry,thekeyempIoyers''organization,wantsevenmoreexpansioninhighereducationtohelpfightcompetitiononworIdmarketsfromboomingAsianeconomies.Butthegovernmenthasdoubtsaboutmoreexpansion.TheTimesnewspaperagrees,compIainingchatquaIityhassufferedasstudentnumberssoared,withclosetutoria