input: Make use of the article to answer the questions. One day in my class, Maria shared her feelings about money, "Money worries me. I think I want to live without money because I hate it. I HATE MONEY." We were all touched by Maria's words as they reminded us of the spiritual burdens that money managing can bring to us. After class I offered to help Maria deal with her financial problems. She hesitated to accept my offer, and I could see from the expression on her face that she was afraid of what it might involve. I quickly promised her that I wouldn't make her do more than she was able to. I told her frankly that I didn't enjoy managing my money any more than she did hers and wouldn't burden her with guilt, judgments, or impossible tasks. All I would ask her to do was to let me help her look at her fears and try to make some sense of them.

Maria still resisted my offer, and I can remember the excuses she gave me as they were the repeated complaints I had heard from so many people. "I'11 never understand money," she said. "My facts are meaningless." "I don't deserve to have money." "I never have enough," "I have too little to manage." "My financial position isn't worth looking at." and the most _ one of all, "I just can't do it."

Going home that day, I couldn't get Maria out of my mind: Her attitude conveyed the same negativity and fear that I believed annoyed many people. I was sure it was this attitude that prevented people from managing their money effectively. My counseling has taught me that these anxieties are inseparably connected to our self-doubts and fear for survival. Many of us are terrified of handling our money because we don't believe we can do it well, and to do it wrong would put our very existence at risk.

On a deeper level we know that money is not the source of life, but sense of worth drives us to act as if it were. It locks us up in self-doubts and prevents us from tapping into the true source of our management power, our spirit. 1. What does Maria hate?
2. Does someone offer to help with that?
3. Where was the offer to help made?
4. Did she accept the offer?
5. Is the person helping a counselor or a doctor?
6. What did their counseling teach them?
7. Do they feel money if the source of life?
8. Did Maria give excuses?
9. What was one common excuse?
10. Did the counselor have a home?
numbered_answers: 1. MONEY
2. yes
3. in class,
4. no
5. yes
6. that anxieties are inseparably connected to our self-doubts and fear for survival.
7. no
8. yes
9. I'11 never understand money
10. yes

input: Make use of the article to answer the questions. Welcome to the world of multitasking -- a place where the measure of a person is how many jobs they can perform at the same time. In fact, if experts are to be believed, multitasking is a disastrous idea.

One of the opponents of multitasking is Dr. Clifford Nass, a professor at Stanford University. "People who multitask frequently are less able to pay attention; they're worse at managing their memory." he said. In his opinion, the loss that we get with multitasking is harmless in some situations, for example, part of doing business in the digital world: but you can't do serious work like writing, thinking or solving an important problem this way. You do worse even as you think you're doing better. All the time the research points to a simple fact: the brain cannot cope. When you stop midway through composing a report to check an email, you force your brain to stop and regroup. It is like pressing the pause button during a movie, meaning the film takes longer to watch.

And as for Dr. Nass, the problems extend beyond the brain. Young people who frequently multitask are not as socially and emotionally healthy as those who don't. They just feel more emotionally satisfied and the feeling is so good and they are bound to desire it again. Todd Oppenheimer, a writer said "We've become a very short-term society and don't reward people for taking a lot of time on something." He fears we may end up losing the next generation of great thinkers. "It's really unfortunate because the long-term challenges of our world -- environmental issues, financial issues -- require people to think wisely about the long-term consequences of what they do. And it's no coincidence that the kind of people who do think long-term don't multitask." 1. Who is one of the opponents of multitasking?
2. Where does he teach?
3. Do the problems extend beyond the brain?
4. Into which other areas?
5. What does all the research point to?
6. Can you write, think or solve important problems when multitasking?
7. What does Todd Oppenheimer fear?
8. What is his profession?
9. Do environmental problems require multitasking?
10. Does multitasking feel good?
numbered_answers: 1. Dr. Clifford Nass
2. Stanford University
3. Yes
4. socially and emotionally
5. the brain cannot cope
6. No
7. we may end up losing the next generation of great thinkers
8. a writer
9. No
10. Yes

input: Make use of the article to answer the questions. Moreover, a conflict of interest between professional investment managers and their institutional clients, combined with a global glut in investment capital, led to bad investments by asset managers in over-priced credit assets. Professional investment managers generally are compensated based on the volume of client assets under management. There is, therefore, an incentive for asset managers to expand their assets under management in order to maximize their compensation. As the glut in global investment capital caused the yields on credit assets to decline, asset managers were faced with the choice of either investing in assets where returns did not reflect true credit risk or returning funds to clients. Many asset managers chose to continue to invest client funds in over-priced (under-yielding) investments, to the detriment of their clients, in order to maintain their assets under management. This choice was supported by a "plausible deniability" of the risks associated with subprime-based credit assets because the loss experience with early "vintages" of subprime loans was so low. 1. How are professional investment managers compensated?
2. what effect does this have?
3. did they feel pressure to grow the assets under their control?
4. who did they have a conflict of interest with?
5. what decision did they have to make when profits from credit assets went down?
6. which did many of them choose?
7. did this benefit their clientele?
8. what effect did too much global investment capital have?
9. was the danger with subprime mortgages considered high?
10. what could they have done instead of investing the client's money?
numbered_answers:
1. on the volume of client assets under management
2. led to bad investments
3. yes
4. their clients
5. choice of either investing in assets where returns did not reflect true credit risk or returning funds to clients
6. to continue to invest client funds in over-priced investments
7. No
8. caused the yields on credit assets to decline
9. No
10. return funds to clients