Article: During her junior year of high school, Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life. Ray pretended to buy a car, rent an apartment, and apply for a credit card. Then, she and her classmates played the "stock market game", investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008. "Our pretend investments crashed," Ray says, still frightened. "We got to know how it felt to lose money." That pain of earning and losing money is a feeling that public schools increasingly want to teach. Forty states now offer some type of financial instruction at the high-school level, teaching students how to balance checkbooks and buy stock in math and social-studies classes. Though it's too early to measure the full influence of the Great Recession , the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly. Now, many states including Missouri, Utah, and Tennessee require teenagers to take financial classes to graduate from high school. School districts such as Chicago are encouraging money-management classes for kids as young as primary school, and about 300 colleges or universities now offer online personal-finance classes for incoming students. "These classes really say, 'This is how you live independently,' " says Ted Beck, president of National Endowment for Financial Education. Rather than teach investment methods or financial skills, these courses offer a back-to-the-basics approach to handling money: Don't spend what you don't have. Put part of your monthly salary into a savings account, and invest in the stock market for the long-term rather than short-term gains. For Ray, this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills, spending and saving. "Money is so hard to make but so easy to spend," she says one weekday after school. "That is the big takeaway." Teaching kids about the... Question: After completing the financial class, Diane Ray is likely to _ . Yes or no, is the answer "handle her money better"?
Yes

Article: In Western countries people have been using the installment plan since the first half of the twentieth century. Today, a large number of families in Great Britain buy furniture, household goods and cars by installments .In the U.S., the figure is much higher than in Great Britain, and people there spend over 10 percent of their income on the installment plan. The price of an article bought on installments is always higher than the price that would be paid by cash. There is a charge for interest. The buyers pays one quarter or one third of the price as a down payment when the goods are delivered to him. He then makes regular payments, weekly or monthly, until the full price is paid up. The legal ownership of the goods remains with the seller until the final payment has been made. Installment buying has advantages and disadvantages. It can help couples with small incomes to furnish their homes and start housekeeping, It increases the demand for goods, and in this way helps business and employment. There is ,however, the danger that when business is bad, installment buying may end suddenly, making business much worse. This may result in a great increase in unemployment. If the people on the installment plan lose their jobs, they will probably not be able to make their payments. If great numbers of people are not able to pay their installment debts there is a possibility that businessmen cannot collect their debts and will therefore lose money. If businessmen lose money or fail to make a satisfactory profit, it becomes more likely to have a depression. This is why, in some countries, the government controls the installment plan by fixing the amount of the down payment to discourage people from buying more than they can pay for on the installment plan. Question: Which of the following is true about the installment plan? Yes or no, is the answer "Americans spend more on installment buying than British people do."?
Yes

Q: Article: By 2012,the world may need to cope with as many as 50 million people who have fled their homeland,not for political or economic reasons but because the environment has been so badly changed that it cannot support life. The statement has been released by the United Nations to mark UN Disaster Reduction Day. More people are made homeless by environmental disasters than by war,according to the research by the Red Cross. That reality is proved by the earthquake in Pakistan. The widely publicized disaster has brought aid from the global community,according to Janos Bogardi,director of the United Nations University Institute for Environment and Human Security. "If we can move swiftly in and give them a new start where they are,then they may stay in the area. Otherwise,they become environmental refugees. Environmentalrelated migrations are most acute in SubSaharan Africa,but they also affect millions of people in Asia and India. Meanwhile,the United States is witnessing increased pressure from victims of mismanaged and worsening soil and water conditions in Mexico and Latin America." he says. Janos Bogardi says these refugees suffer from the impact of gradual environmental change--global warming,sea level rise,air and water pollution and more intense storms,floods and droughts that degrade the land. This is a slow process,but unfortunately a process that is very difficult to go backwards once final damage is done. Janos Bogardi says they are calling on the global community to recognize the serious situation of environmental refugees and to work together to lessen the impact of environmental disaster. Question: What may be the best title of the passage? Yes or no, is the answer "Environmental refugees--an international problem"?
A: No

(Q).
Article: Even if trees cannot walk, they are still on the move. In parts of the Arctic, entire forests are moving northward. Across the Arctic, temperatures are rising faster than anywhere else in the world. As that happens, the tree line that marks where forests stop and the treeless tundra starts has been shifting northward. Trees growing along the tree line must protect themselves from the cold wind. To do _ , plants tend to grow horizontal branches low to the ground. The energy it takes for trees to grow this way means they don't have enough energy to make seeds. But as Earth's climate has been warming, trees no longer have to just grow horizontally. Many can instead grow up toward the sky. This takes less energy. And with all the leftover energy. these trees have started producing more seeds. This happens especially in places where the white spruce grows. White spruce, which is a North American tree, is quite able to produce a lot of seeds, which can move long distances in the wind. When wind-blown seeds end up on the tundra beyond the tree line, they eventually can sprout new trees. This explains how a forest can move. Of course, the process would work only if the tundra were warm enough. But in recent years, the whole planet has been warming. New trees will provide shelters for some snow, keeping the sun's rays from making the white surface disappear. Instead, the trees absorb the sun's heat. This warms the surrounding air. The extra warmth encourages even more trees to produce seeds. That further boosts a forest's ability to expand. In addition, more trees will trap more snow, preventing much of it from being blown away. Snow can trap heat in the soil below,which encourages trees to grow. The recent rise of temperature has helped more trees grow. The recent rise of temperatures has helped more trees grow past the tree line. People worry about impacts on the animals that depend on frozen conditions for food and shelter. Question: The passage is most probably taken from _ . Yes or no, is the answer "a science report"?
(A).
Yes