题目
Legend has it that the first credit card was born in 1950 over lunch at a Manhattan restaurant when Alfred Bloomingdale and his colleague Francis McNamara dreamed up the idea of creating a third party to cover checks at restaurants. They called it Diners Club. But the scheme faced a "chicken-and-egg problem". Consumers didn' t want thE card until stores accepted it, and merchants wouldn't accept it until consumers carried it.
To solve the problem, and to work around federal laws that prevented banks from operating across state lines, banks joined together to form. "network joint ventures", such as Visa and MasterCard. Under these arrangements, some member banks recruited (征募)consumers, others recruited merchants. The banks on both ends earned fees, and they shared the costs of maintaining the networks.
Because of an antitrust(反托拉斯的,反垄断的) dispute(争论) twenty-five years ago, Visa allows its member banks to join up with MasterCard as well. But it refuses to allow them to collaborate with any other network. The Justice Department is less appreciative. In October 1998-shortly before Paying with Plastic went to press-the government charged Visa and MasterCard with violating the Sherman Antitrust Act. (Wal-Mart and a group of big retailers have filed a related suit, charging that Visa and MasterCard have colluded (勾结)tokeep fees on their debit cards (借记卡) unfairly high .The trouble is that today Visa and MasterCard have pretty much the same member banks. Do two ventures with the same owners really have an incentive (动机) to compete?
According to the government' s complaint, in 1987 MasterCard was prepared to introduce the first "smart card" -a card with an integrated circuit that could store personal data. But MasterCard's board ref used to proceed without Visa's go-ahead. Today both brands are still developing a smart card, sharing information all the while. The situation doesn't exactly encourage competition. As Visa International's president and chief executiveput it in an unguarded moment in 1992, "If you have got one foot firmly placed on both sides of the street, who cares?"
Some people insist that the Visa-MasterCard partnership does not harm competition or innovation. They point to Visa and MasterCard's rival advertising campaigns and to Citibank' recent decision to switch its primary allegiance (效忠) from Visa to MasterCard because only MasterCard would aIlow it to relegate the network insignia to the back of its plastic cards. The reason no one has introduced smart cards, says Evans, is because the chip(芯片) technology is too expensive. "It is a silly argument," he says. "The Justice Department is trying to fix something that isn' t broken. This industry is extraordinarily successful. "
Indeed, however the case turns out, the most popular complaint against the consumer credit business is likely to remain what it was a century ago: The industry succeeds all too well at putting expensive credit in the hands of weak-willed shoppers.
36.The phrase "chicken-and-egg problem" in paragraph I most probably means ___________.
A.consumers didn' t want the card until stores accepted it
B.merchants wouldn' t accept it until consumers carried it
C.both consumers and merchants are very important
D.it is hard to say which side should take the initial step
37.According to the text, which of the following may be considered as Visa's violation of the Antitrust Act? ___________.
A.Allowing its member banks to join up with MasterCard.
B.Keeping fees on their debit cards unfairly high.
C.Developing a smart card, sharing information all the while.
D.Sharing the costs of maintaining the networks.
38.Which of the following is NOT true of a "smart card"? ___________.
A.It was officially issued 1987.
B.It contains an integrated circuit.
C.1t could store personal da ta.
D.It is being developed by both Visa and MasterCard.
39.Why are people reluctant to accept smart cards according to Evans? ___________.
A.Because it is too popular.
B.Because it is too inconvenient.
C.Because the chip itself is too expensive.
D.Because the cost to produce the chip is too expensive.
40.The best title for the text may be___________.
A.Legend of the First Credit Card
B.A "Chicken-and-egg Problem"
C.Credit Card and Its Problems
D.Miraculous Credit Card
第1题
第2题
A.effective
B.competent
C.expensive
D.innovative
第3题
They are set apart as special times to be celebrated happily with family and friends. Religious or not religious, each festival or holiday has its own legend or origin behind. __10__
第4题
Mandela, who will be 91 this year,【73】appears in public and increasingly relies on the managers of his foundation to manage his affairs. Now they're facing with a tricky issue:【74】what point does a very famous man become a private brand? And is it possible to copyright history? So far, the foundation has tackled these difficult questions by trying to stop those who would【75】Mandela's name for【76】or political gain either in ways they don't like【77】in ways they are able to prevent.
In August, the foundation【78】out a code of conduct【79】the commercialization of Mandela's name or【80】by his four official charities and asked the other 44 charities【81】which Mandela is a patron to sign【82】as well. Other charitable causes must get the foundation's【83】before using Mandela's name. In the business of protecting【84】, however, the choice of whether to block or【85】a project is often subjective or a matter of taste, and therefore brings【86】criticism.
(68)
A.as
B.for
C.after
D.in
第5题
t=0:0.1:10
y1=sin(t);y2=cos(t);
plot(t,y1,'r',t,y2,'b=');
x=[1.7*pi;1.6*pi];
y=[-0.3;0.8];
s=['sin(t)';'cos(t)'];
text(x,y,s);
title('正弦和余弦曲线');
legend('正弦','余弦')
xlabel('时间t'),ylabel('正弦、余弦')
grid on
axis square
第6题
A.in
B.beyond
C.under
D.of
第7题
Passage Five
On the fourth Thursday of November, every year, Americans celebrate Thanksgiving Day. The day is a national holiday which is set aside each year as a time to give thanks to God for our blessings (祝福).
Legend has it that the first English colonists (殖民者) in Massachusetts (马萨诸塞州) started the custom. According to the story, the Pilgrims~ first winter in the New World was difficult. They had arrived too late to grow many crops, and without fresh food, half of the colonists died from disease. The following spring the Indians taught them how to grow corn. In the autumn of 1621, bountiful crops of corn, beans and pumpkins were harvested. The colonists had much to be thankful for, so a feast was planned. They invited their Indian friends to join them in a large feast to share in the bounties (慷慨) of the land. This is the first Thanksgiving.
The traditional foods of the big Thanksgiving Day meal include roast turkey, cranberries, sweet potatoes, pumpkin pie, and Indian bread puddings.
Since the day is set aside for giving thanks, it has also become a traditional family day. Large dinners with many relatives are common throughout America on this special day.
51. When was the Thanksgiving Day tradition begun?
A. In the 17(上标)th century.
B. On Thursday.
C. Last November.
D. In the 16(上标)th eentury.
第8题
Washington Irving’s Sunnyside in Tarrytown, New York
Accompanying a plan of Sunnyside (unprinted here), a former residence of Washington Irving in New York, is the following text.We have left out its title, which indicates clearly its purpose, in the hope that the reader will reconstruct it after reading the text.
Sunnyside is one of the few surviving and best-documented examples of American romanticism in architecture and landscape design.Andrew Jackson Downing featured Sunnyside in his Treatise on the Theory and Practice of Landscape Gardening (1841) as an example of the "progressive improvement in Rural Architecture..." which, he explained, strives to be in "perfect keeping" with "surrounding nature" by its "varied" and "picturesque" outline.'Architectural beauty," he taught, "must be considered conjointly with the beauty of the landscape,"
Walking the 24-acre grounds is a pleasure in every season.Swans glide on the pond Irving called "the little Mediterranean", and a stone flume delights the ear with the sound of rushing water.A path leads up a small rise and from there down into "the glen," and up to the house.Behind the house, another path winds along the Hudson for views of the river at its widest point, the Tappan Zee.
The modest stone cottage which was later to become Sunnyside was originally a tenant farmer's house built in the late-seventeenth century on the Philipsburg Manor.During the eighteenth century, the cottage was owned by a branch of the Van Tassel family, the name Irving later immortalized in "The Legend of Sleepy Hollow".
Irving purchased the cottage in 1835 and directed the remodeling, adding Dutch-stepped gables, ancient weathervanes, and developing Gothic and Romanesque architectural features for other parts of the house.He was so pleased with his home that in 1836 he wrote to his brother, Peter: "I am living most cozily and delightfully in this dear, bright little home, which I have fitted up to my own humor.Everything goes on cheerily in my little household and I would not exchange the cottage for any chateau in Christendom."
Today's visitor to Sunnyside sees Irving's home much as it appeared during the final years of his life.The author's booklined study contains his writing desk—a gift from his publisher, G.P.Putnam and many personal possessions.The dining room, in which Irving and his dinner guests often gathered to enjoy the beautiful sunsets over the Hudson River, adjoins the parlor.Here Irving played his flute, while his nieces, Sarah and Catherine, accompanied him on the rosewood piano.The piano and other original furnishings still grace the room.The small picture gallery off the parlor contains some original illustrations for Irving's work.The kitchen was quite advanced for its day, having a hot water boiler and running water fed from the pond through a gravity-blow system.The iron cookstove was also a "modern convenience," replacing the open hearth in the 1850's.
The second floor of the house contains several bedrooms, each of which has its own personal character.The guest bedroom is furnished with a French-style. bed and painted cottage pieces.The ingenious arches in this and other rooms were designed by Irving.His bedroom, where he died in 1859, contains the author's tester Sheraton bed, along with his walking stick and a number of his garments and personal effects.The small, bright room between the bedrooms might have been used by Irving's nephew and biographer, Pierre Munro Irving, who cared for his uncle during the last months of his life.The room was used originally to store books and papers.The bedroom used by Irving's nieces contains an Irving-family field bed with hand-made bobbin lace hangings, a chest of drawers, sewing stands, and an ornamental stove.The guest room contains a cast iron bed probably made in one of the foundries along the Hudson.
Write True (T) or False (F)for the following questions.
1.Sunnyside is the former residence of Washington Irving in Washington D.C.()
2.Sunny side is a typical representative of Romanticism of American city architecture.()
3.According to Andrew Jackson Downing , architectural beauty must be in harmony with the beauty of the surrounding landscape.()
4.During the 18th century ,the cottage was owned by Van Tassel who was mentioned by Irving in his book “the Legend of the Hollow” .()
5.Irving didn’t make any change to the cottage after he purchased it.()
6.Today’s Sunnyside has changed a lot compared with its appearance in Irving’s time.()
7.Sunnyside was built near the Hudson River.()
8.The study , the dining room , the parlor and the kitchen are all on the first floor of Irving’s house.()
9.All the bedrooms on the second floor are almost furnished in the same style.()
10.Washington Irving was cared for by his daughter during the last period of his life.()
第9题
It seems that every country, race, and religion observe some type of holiday or festival. The two most celebrating holidays __1__in the North and South America, Australia and Eueope, and in the most of Christian world are Christmas and Easter. __2__Christians celebrate the birth of Christ on Christmas. The __3__exchange of gifts rises from the birthday tradition. The __4__winter holiday season is time for bright colored lights to __5__appear in and out the houses, on Christmas trees, and on __6__buildings and storefronts, At Easter, Christians celebrate the death, burial, and resurrection of Christ. This is also a time for celebration with family.A non-religious celebration in North America is Thanksgiving.Similarly, National Day and Labour Day Holidays are among the non-religious holidays in China. A common tradition is the observance of the New Year as celebrated around the world on January 1st. Therefore, various religious groups celebrate the __7__
New Year on the spring or fall. One common thread that __8__goes through all these holidays is the celebration of the __9__occasion with family, food, new clothing, lights, and festivity.They are set apart as special times to be celebrated happily with family and friends. Religious or not religious, each festival or holiday has its own legend or origin behind. __10__
第10题
The Dutch got the ball rolling by celebrating the saint- called Sinter Klaas- in New York in the latc-18" century. Our old friend, Washington Irving, included the legend of Saint Nick in his seminal History of New York as well, but at the turn of the 181 century, Saint Nick was still a rather () figure in America.
On December 23, 1823, though, a man named Clement Clarke Moore published a poem he had written for his daughters called “An Account of a Visit from St. Nicholas," better known now as ‘T’ as the night before Christmas." Nobody knows how much of the poem Moore invented, but we do know that it was the spark that () lit the Santa fire. Many of the things we associated with Santa一a sleigh, reindeer, Christmas Eve visits一came from Moore's poem.
1.
A.hops
B.jumps
C.sneaks
D. skips
2.
A.known
B.observed
C. remarked
D.commented
3.
A.persistance
B.inheritance
C.insistence
D.instance
4.
Awell-known
B.popular
C.obscure
D.famous
5.
A. actually
B. generally
C. eventfully
D. eventually
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