Millions of families around the world have been given a helping hand out of poverty by micro-credits. These very small loans , usually less than US$200, have enabled the very poorest people to set up or expand businesses and become self-sufficient. The micro-credit movement started with Professor Muhammad Yunus, who founded the Grameen Bank in Bangladesh. Professor Yunus, who won the 2006 Nobel Peace Prize, used his own money to set up a bank to benefit the poorest people in Bangladesh--families living on less than US$1 a day. There are now hundreds of organizations around the world following his blueprint to help people escape from poverty. So how does the system work? Local microfinance institutions (MFIs) make contact with families and offer loans, usually to women, to enable them to start or expand a business. These are very poor people who would not normally be able to get credit, but as no collateral is required they can get micro-credits. They pay back the loan on a weekly basis, over six months to a year. A very important aspect to the success of the micro-credit system is that receivers get local support. The MFIs educate local communities about ways to improve their lives, and offer practical support as well as collecting weekly loans payments. They encourage people to help each other, so that the whole community can pull itself out of poverty. MFIs may also help with literacy and health problems. Micro-credits are mainly given to women. Experience has shown that women are more motivated to improve their children's lives and will spend the money they make on better nutrition and schooling for their children. This may be the first chance they've had to contribute financially to the family, and their status in the home and the local community is raised. The micro-credit system is not charity. The payments are fixed-term loans and interest is charged. The costs of making such small loans, collecting them and giving personal support are high. This is shown in the interest rates, which range from 15... Bank loans are mainly made to women because _ . A) they make more financial contribution to the family B) they hold higher status in the home and community C) they are more reliable and willing to repay the loan D) they are more likely to spend what they earn on their children
D
(Question)
Every Friday we have a fire alarm test at nine o'clock sharp, and even though the sound is very noisy, I am so happy because when I heard that it reminded me today is Friday and tomorrow is weekend, it is the last working day of the week and I have two days off, it's so excited!Sometimes we have a fire drill, when you hear the fire alarm, everybody have to run out through the fire exit. One Monday at nine o'clock, the alarm was sounded and I was working behind the fish house and didn't hear it. The department manager and staff were looking for me thoroughly, finally they found me and asked me to stop my job and follow them went out. "I am busy, No problem! You leave, I work." I said. "No, this is the law, everybody has to leave." The manager said. I understood that if I insisted not to leave, they must carry me out. I went out with them together finally, no choice. One afternoon, when I was working outside, the fire alarm cropped up sounding wildly, nobody knew what's happening, some were standing and looking around, some were asking questions, some were running, I knew this wasn't a test or drill, must be a real one. At that moment, one lady called me from a distance:"Jinglebell: leave your job, go out quickly."I joined the crowded flow of customers and staff going out. I asked somebody what's happened? And they told me this is a real one as there was some smoke on the shop floor.Finally I found out, actually there was no problem, that it was an electrician who used the equipment for the carpet and made a little smoke. After that I asked somebody how to deal with the customer's food in the restaurant in that case, because they went out to leave because of the fire, but hadn't finished their food. They told me that the customers who had bought food or drinks there could get a new one. I don't understand, if in China, under that situation, everybody must carry a bucket or some other water containers to the fire spot, to fight the flames. I agree with the English emphasis the human right, but maybe a very... Why does the author think that a very small problem may become a big one while everybody had withdrawn from the shop? A) Because the author thinks the fire is dangerous B) Because the author thinks the fire spreads fast C) Because the author thinks the fire fighters could not come at once D) Because the author thinks the human right is important
(Answer)
C
Ques:A blog can be a very effective way of spreading the words about yourself,and your other writing.It can _ your knowledge,and create an ongoing relationship with your readers.A good blog is more than just a marketing tool;it's also an expression of your personality. An obvious starting point is to post samples of your work that not only show off your skills and writing ability but also leave people wanting more.Post elections from the most exciting parts of your stories but end them just as the action reaches its peak.If you write nonfiction ,show people what they can achieve,and give them a few steps to get them started. Give tips,information and advice about the subjects you cover.For example,something about struggling with difficulty and many other issues like this.Your writing tips can also be included,as well as interesting,strange or funny things you discovered during your research.Whenever you contact an expert,ask if he or she has any interesting stories you could use.You may also give background information about your stories and locations Give details of coming posts on your blog,so people can watch out for you,or come and meet you.Personal news will help people feel better connected to you.Include photos of objects and locations in your writing,famous people you meet,the views from your window, and your favorite things--with a note about where they come from and what they mean to you.Look out for things that will help your readers get to know you better,know the subject better,or anything else you think they might find useful,inspiring or entertaining. If you only occasionally post things on your blog,people have a tendency to forget you.As a writer you shouldn't ever run out of interesting materials to fill your blog with----and your readers will love you for it. What does the author suggest for keeping a blog? A) Posting things on your blog once in a while. B) Adding new stories to it every day. C) Filling it with attractive things frequently. D) Loving it as your life.

Ans:
C