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According to a recent survey on money and relationships, 36 percent of people are keeping a bank account from their partner. While this financial unfaithfulness may appear as distrust in a relationship , in truth it may just be a form of financial protection.With almost half of all marriages ending in divorce, men and women are realizing they need to be financially savvy, regardless of whether they are in a relationship.The financial hardship on individuals after a divorce can be extremely difficult, even more so when children are involved. The lack of permanency in relationships, jobs and family life may be the cause of a growing trend to keep a secret bank account hidden from a partner; in other words, an "escape fund”.Margaret’s story is far from unique. She is a representative of a growing number of women in long-term relationships who are becoming protective of their own earnings.Every month on pay day, she banks hundreds of dollars into a savings account she keeps from her husband. She has been doing this throughout their six-year marriage and has built a nest egg worth an incredible $100,000 on top of her pension.Margaret says if her husband found out about her secret savings he’d hurt and would interpret this as a sign she wasn’t sure of the marriage.” He’d think it was my escape fun so that financially I could afford to get out of the relationship if it went wrong. I know you should approach marriage as being forever and I hope ours is, but you can never be sure.” Like many of her fellow secret savers, Margaret was stung in a former relationship and has since been very guarded about her own money.Coming clean to your partner about being a secret saver may not be all that bad. Take Colleen for example, who had been saving secretly for a few years before she confessed to her partner. ”I decided to open a savings account and start building a nest egg of my own. I wanted to prove to myself that I could put money in the bank and leave it there for a rainy day.”“When John found out about my secret savings, he was a little suspicious of my motives. I reassured him that this was certainly not an escape fund that I feel very secure in our relationship. I have to admit that it does feel good to have my own money on reserve if ever there are rainy days in the future. It’s sensible to build and protect your personal financial security.”1.The trend to keep a secret bank account is growing because(  ).2.The word “savvy”(Line2,Para 2) probably means (  ).  3.Which inference can we make about Margaret?4.The author mentions Colleen’s example to show (  ).  5.Which of the following best summary this passage?

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Tens of thousands of 18 year olds will graduate this year and be handed meaningless diplomas .These diplomas won’t look any different from awarded their luckier classmates Their validity will be questioned only when their employers discover the these graduates are semiliterate(半文盲).Eventually a fortunate few will find their way into educational – repair – adult – literacy Programs, such as the one where I teach grammar and writing .There, high school graduates and high school dropouts pursuing graduate equivalency certificates will learn the skills they should have learned in school. They will discover they have been cheated by our educational system.I will never forget a teacher senior when be had her for English .“He site in the back of the room talking to his friends “.she told me,” Why don’t you move him to the front row?I urged believing the embarrassment would get him to settle down, Mrs. Stifter said , “I don’t move seniors. I think (使……不及格) them.” Our son’s academic life flashed before my eyes. No teacher had ever threatened him. By the time I got home I was feeling pretty good this. It was a radical approach for these times, but well. Why not? "She’s going to flunk you", I told my son.I did not discuss it any further. Suddenly English became a priority (头等重要) in his life. He finished out the semester with an A.I know one example doesn’t make a case, but at night I see a parade of students who are angry for having been passed along until they could no longer even pretend to keep up. Of average intelligence or better, they eventually quit school, concluding they were too dumb to finish. ”I should have been held back,” is a comment I hear frequently. Even sadder are those students who are high-school graduates who say to me after a few weeks of class. ”I don’t know how I ever got a high-school diploma.”Passing students who have not mastered the work cheats them and the employers who expect graduates to have basic skills. We excuse this dishonest behavior by saying kids can’t learn if they come from terrible environments. No one seems to stop to think that most kids don’t put school first on their list unless they perceive something is at risk. They’d rather be sailing.Many students I see at night have decided to make education a priority. They are motivated by the desire for a better job or the need to hang on to the one they’ve got. They have a healthy fear of failure.People of all ages can rise above their problems, but they need to have a reason to do so. Yong people generally don’t have the maturity to value education in the same way my adult students value it. But fear of failure can motivate both.1.What is the subject of this essay?2.How did Mrs. Sifter get the attention of one of the author’s children?3.The author believes that most effective way for a teacher is to (  ).  4.From the passage we can draw the conclusion that the authors’ attitude toward flunking is(  ).5.Judging from the content, this passage is probably written for(  ).

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