网友您好， 请在下方输入框内输入要搜索的题目：
题目内容
（请给出正确答案）
资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
“I think it’ s huge day for loggerhead sea turtles, ”said Beth Riff, a marine wildlife scientist at Oceana.“it really draws attention to the fact these turtles are not doing well and more needs to be done to protect them.”With all that attention to paid to them, you’d think these creatures would at least have the gratitude not to go extinct, but Nature is indifferent to human notions of fairness.No one really knows how many loggerhead there are, or how many are being killed by fishing gear or other activities. Riff cites a 40 percent drop in the number of nesting females in Florida over the last decade as evidence of trouble.
Loggerheads are named for their large heads, which contain potent jaws that can crush the hard shells of prey such as conch. The turtles are about the size of a fist when they hatch and make a frenzied dash to the surf. But they typically grow to more than three feet in length and 250 pounds. The animal can log thousands of miles as it travels across oceans.
Barbara Schoder，national sea turtle coordinator for NOAA’s fisheries division, said the biggest threats to the North Pacific loggerhead include damage to primary nesting sites, which are mainly in Japan，as well as accidental snaring of the turtles in fishing gear. Andrea Tee of San Francisco-based Center for Biological Diversity said the turtles get hooked by Hawaiian longline fishermen targeting swordfish and tuna and can be injured or drowned. On the East Coast, the main threat to turtles is gear from the region’s various fishenes Schoder said.
A primary benefit of the endangered status would be increased public pressure on protecting the species, Riff said. But the government would also have to determine“critical habitats，”such as where the turtles reproduce or forage. Such places could be subject to additional protections for the turtles, including restrictions on maritime development or fishing.
Like every other environmental issue today, this is playing out against the background of global warming and human interference with natural ecosystems, The narrow strips of beach on which the turtles lay their eggs are being squeezed on one side by development and on the other by threat of rising sea levels as the oceans warm. Ultimately we must get a handle on those issues as well, or a creature that outlived the dinosaurs will meet its end at the hands of humans, leaving our descendants to wonder how creature so ugly could have won so much affection.
What constitutes a major threat to the survival of turtles on the east coast?（ ）
“I think it’ s huge day for loggerhead sea turtles, ”said Beth Riff, a marine wildlife scientist at Oceana.“it really draws attention to the fact these turtles are not doing well and more needs to be done to protect them.”With all that attention to paid to them, you’d think these creatures would at least have the gratitude not to go extinct, but Nature is indifferent to human notions of fairness.No one really knows how many loggerhead there are, or how many are being killed by fishing gear or other activities. Riff cites a 40 percent drop in the number of nesting females in Florida over the last decade as evidence of trouble.
Loggerheads are named for their large heads, which contain potent jaws that can crush the hard shells of prey such as conch. The turtles are about the size of a fist when they hatch and make a frenzied dash to the surf. But they typically grow to more than three feet in length and 250 pounds. The animal can log thousands of miles as it travels across oceans.
Barbara Schoder，national sea turtle coordinator for NOAA’s fisheries division, said the biggest threats to the North Pacific loggerhead include damage to primary nesting sites, which are mainly in Japan，as well as accidental snaring of the turtles in fishing gear. Andrea Tee of San Francisco-based Center for Biological Diversity said the turtles get hooked by Hawaiian longline fishermen targeting swordfish and tuna and can be injured or drowned. On the East Coast, the main threat to turtles is gear from the region’s various fishenes Schoder said.
A primary benefit of the endangered status would be increased public pressure on protecting the species, Riff said. But the government would also have to determine“critical habitats，”such as where the turtles reproduce or forage. Such places could be subject to additional protections for the turtles, including restrictions on maritime development or fishing.
Like every other environmental issue today, this is playing out against the background of global warming and human interference with natural ecosystems, The narrow strips of beach on which the turtles lay their eggs are being squeezed on one side by development and on the other by threat of rising sea levels as the oceans warm. Ultimately we must get a handle on those issues as well, or a creature that outlived the dinosaurs will meet its end at the hands of humans, leaving our descendants to wonder how creature so ugly could have won so much affection.
What constitutes a major threat to the survival of turtles on the east coast?（ ）
A.Contamination of sea water
B.The inadequate food supply
C.Their lower reproductive ability
D.Unregulated commercial fishing
B.The inadequate food supply
C.Their lower reproductive ability
D.Unregulated commercial fishing
参考答案
参考解析
解析：本题考查的是细节理解。
【关键词】major threat；survival of turtles on the east coast
【主题句】第4自然段On the East Coast,the main threat to turtles is gear from the region’s various fisheries Schoder said.在东海岸，蠵龟面临的主要威胁是该地区各种渔业装置，肖德说。
【解析】本题的问题是“什么构成了东海岸蠵龟生存的主要威胁”。选项A意为“海水污染”；选项B意为“食物供应不足”；选项C意为“他们的生殖能力较低”；选项D意为“无管制的商业捕捞”。根据主题句可知，主要威胁是渔业装置。D选项“不受控制的商业捕捞”正确。
【关键词】major threat；survival of turtles on the east coast
【主题句】第4自然段On the East Coast,the main threat to turtles is gear from the region’s various fisheries Schoder said.在东海岸，蠵龟面临的主要威胁是该地区各种渔业装置，肖德说。
【解析】本题的问题是“什么构成了东海岸蠵龟生存的主要威胁”。选项A意为“海水污染”；选项B意为“食物供应不足”；选项C意为“他们的生殖能力较低”；选项D意为“无管制的商业捕捞”。根据主题句可知，主要威胁是渔业装置。D选项“不受控制的商业捕捞”正确。
更多 “资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections. “I think it’ s huge day for loggerhead sea turtles, ”said Beth Riff, a marine wildlife scientist at Oceana.“it really draws attention to the fact these turtles are not doing well and more needs to be done to protect them.”With all that attention to paid to them, you’d think these creatures would at least have the gratitude not to go extinct, but Nature is indifferent to human notions of fairness.No one really knows how many loggerhead there are, or how many are being killed by fishing gear or other activities. Riff cites a 40 percent drop in the number of nesting females in Florida over the last decade as evidence of trouble. Loggerheads are named for their large heads, which contain potent jaws that can crush the hard shells of prey such as conch. The turtles are about the size of a fist when they hatch and make a frenzied dash to the surf. But they typically grow to more than three feet in length and 250 pounds. The animal can log thousands of miles as it travels across oceans. Barbara Schoder，national sea turtle coordinator for NOAA’s fisheries division, said the biggest threats to the North Pacific loggerhead include damage to primary nesting sites, which are mainly in Japan，as well as accidental snaring of the turtles in fishing gear. Andrea Tee of San Francisco-based Center for Biological Diversity said the turtles get hooked by Hawaiian longline fishermen targeting swordfish and tuna and can be injured or drowned. On the East Coast, the main threat to turtles is gear from the region’s various fishenes Schoder said. A primary benefit of the endangered status would be increased public pressure on protecting the species, Riff said. But the government would also have to determine“critical habitats，”such as where the turtles reproduce or forage. Such places could be subject to additional protections for the turtles, including restrictions on maritime development or fishing. Like every other environmental issue today, this is playing out against the background of global warming and human interference with natural ecosystems, The narrow strips of beach on which the turtles lay their eggs are being squeezed on one side by development and on the other by threat of rising sea levels as the oceans warm. Ultimately we must get a handle on those issues as well, or a creature that outlived the dinosaurs will meet its end at the hands of humans, leaving our descendants to wonder how creature so ugly could have won so much affection. What constitutes a major threat to the survival of turtles on the east coast?（ ）A.Contamination of sea water B.The inadequate food supply C.Their lower reproductive ability D.Unregulated commercial fishing” 相关考题
考题
Hepatitis A vaccines are especially recommended for those who ()
A、travel abroadB、have other forms of liver diseaseC、have many sexual partnersD、are in high-risk occupations
考题
Text 2For more than two decades, U.S. courts have been limiting affirmative-action programs in universities and other areas. The legal rationale is that racial preferences are unconstitutional, even those intended to compensate for racism or intolerance. For many colleges, this means students can be admitted only on merit, not on their race or ethnicity. It has been a divisive issue across the U.S., as educators blame the prolonged reaction to affirmative-action for declines in minority admissions. Meanwhile, activists continue to battle race preferences in courts from Michigan to North Carolina.Now, chief executives of about two dozen companies have decided to plunge headfirst into this politically unsettled debate. They, together with 36 universities and 7 nonprofitable organizations, formed a forum that set forth an action plan essentially designed to help colleges circumvent court-imposed restrictions on affirmative action. The CEOs’ motive: “Our audience is growing more diverse, so the communities we serve benefit if our employees are racially and ethnically diverse as well”, says one CEO of a compang that owns nine television stations.Among the steps the forum is pushing: finding creative yet legal ways to boost minority enrollment through new admissions policies; promoting admissions decisions that look at more than test scores; and encouraging universities to step up their minority outreach and financial aid. And to counter accusations by critics to challenge these tactics in court, the group says it will give legal assistance to colleges sued for trying them. “Diversity diminished by the court must be made up for in other legitimate, legal ways,” says, a forum member.One of the more controversial methods advocated is the so-called 10% rule. The idea is for public universities—which educate three-quarters of all U.S. undergraduates—to admit students who are in the top 10% of their high school graduating class. Doing so allows colleges to take minorities who excel in average urban schools, even if they wouldn’t have made the cut under the current statewide ranking many universities use.第26题：U.S. court restrictions on affirmative action signifies that______.［A］minorities no longer hold the once favored status［B］the quality of American colleges has improved［C］racial preferences has replaced racial prejudice［D］the minority is on an equal footing with the majority
考题
A tug is best positioned for towing and maneuvering on rivers and other restricted waters where wave action is limited when ______.A.directly astern and pushing the towB.towing on a hawserC.towing alongside and parallel to the vessel it is towingD.towing on the hip
考题
There is a ______ when one or more vessels are towing or pushing another vessel or vessels，provided that they are all involved in commercial activities and not in a salvage operation．A.private safetyB.private maritime adventureC.common safetyD.common maritime adventure
考题
Until security has been provided the Contractor shall have a maritime lien on ______ for his remuneration．A.the property lostB.the property salvedC.the property involved in the accident which gave rise to the salvage operationsD.any other property in danger which is not and has not been on board the vessel
考题
Biologists estimate that as many as 2 million lesser prairie chickens---a kind of bird living on stretching grasslands—once lent red to the often gray landscape of the midwestern and southwestern United States.But just some 22,000 birds remain today,occupying about 16%of the species’historic range.The crash was a major reason the U.S Fish and Wildlife Service（USFWS）decided to formally list the bird as threatened.“The lesser prairie chicken is in a desperate situation,”said USFWS Director Daniel Ashe.Some environmentalists,however,were disappointed.They had pushed the agency to designate the bird as“endangered,”a status that gives federal officials greater regulatory power to crack down on threats.But Ashe and others argued that the“threatened”tag gave the federal government flexibility to try out new,potentially less confrontational conservations approaches.In particular,they called for forging closer collaborations with western state governments,which are often uneasy with federal action and with the private landowners who control an estimated 95%of the prairie chicken’s habitat.Under the plan,for example,the agency said it would not prosecute landowner or businesses that unintentionally kill,harm,or disturb the bird,as long as they had signed a range—wide management plan to restore prairie chicken habitat.Negotiated by USFWS and the states,the plan requires individuals and businesses that damage habitat as part of their operations to pay into a fund to replace every acre destroyed with 2 new acres of suitable habitat.The fund will also be used to compensate landowners who set aside habitat,USFWS also set an interim goal of restoring prairie chicken populations to an annual average of 67,000 birds over the next 10 years.And it gives the Western Association of Fish and Wildlife Agencies（WAFWA）,a coalition of state agencies,the job of monitoring progress.Overall,the idea is to let“states”remain in the driver’s seat for managing the species，”Ashe said.Not everyone buys the win-win rhetoric Some Congress members are trying to block the plan,and at least a dozen industry groups,four states,and three environmental groups are challenging it in federal court Not surprisingly,doesn’t go far enough“The federal government is giving responsibility for managing the bird to the same industries that are pushing it to extinction,”says biologist Jay Lininger.
The major reason for listing the lesser prairieas threatenedis____A.its drastically decreased population
B.the underestimate of the grassland acreage
C.a desperate appeal from some biologists
D.the insistence of private landowners
考题
资料：（二）
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosureafter their husbands died.
Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.
Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,“sad Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.
Which is true about the new rules from Consumer Financial Protection Bureau?A.The rules are good for lenders while bad for borrowers
B.The rules will help baby boomer seniors to save money
C.The rules will help consumers better understand reverse mortgage
D.The rules will be stricter for consumers
考题
资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
“I think it’ s huge day for loggerhead sea turtles, ”said Beth Riff, a marine wildlife scientist at Oceana.“it really draws attention to the fact these turtles are not doing well and more needs to be done to protect them.”With all that attention to paid to them, you’d think these creatures would at least have the gratitude not to go extinct, but Nature is indifferent to human notions of fairness.No one really knows how many loggerhead there are, or how many are being killed by fishing gear or other activities. Riff cites a 40 percent drop in the number of nesting females in Florida over the last decade as evidence of trouble.
Loggerheads are named for their large heads, which contain potent jaws that can crush the hard shells of prey such as conch. The turtles are about the size of a fist when they hatch and make a frenzied dash to the surf. But they typically grow to more than three feet in length and 250 pounds. The animal can log thousands of miles as it travels across oceans.
Barbara Schoder，national sea turtle coordinator for NOAA’s fisheries division, said the biggest threats to the North Pacific loggerhead include damage to primary nesting sites, which are mainly in Japan，as well as accidental snaring of the turtles in fishing gear. Andrea Tee of San Francisco-based Center for Biological Diversity said the turtles get hooked by Hawaiian longline fishermen targeting swordfish and tuna and can be injured or drowned. On the East Coast, the main threat to turtles is gear from the region’s various fishenes Schoder said.
A primary benefit of the endangered status would be increased public pressure on protecting the species, Riff said. But the government would also have to determine“critical habitats，”such as where the turtles reproduce or forage. Such places could be subject to additional protections for the turtles, including restrictions on maritime development or fishing.
Like every other environmental issue today, this is playing out against the background of global warming and human interference with natural ecosystems, The narrow strips of beach on which the turtles lay their eggs are being squeezed on one side by development and on the other by threat of rising sea levels as the oceans warm. Ultimately we must get a handle on those issues as well, or a creature that outlived the dinosaurs will meet its end at the hands of humans, leaving our descendants to wonder how creature so ugly could have won so much affection.
What does the author mean by “nature is indifferent to human notions of fairness”（ ）.A.Nature is quite fair regarding the survival of turtles
B.Turtles are by nature indifferent to human activities
C.Course of nature will not be changed by human interference
D.The turtle population has decreased in spite of human protection
考题
资料：（二）
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosureafter their husbands died.
Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.
Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,“sad Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.
The“red flags ”of reverse mortgage don't include______.A.explosive growth
B.the reform of reverse mortgage market
C.little consideration to suitability
D.aggressive and improper marketing
考题
资料：（二）
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosureafter their husbands died.
Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.
Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,“sad Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.
What can we learn about mortgage loans from the first paragraph?
A.The loans are expected to help seniors stay in their homes.
B.The loans are driving all seniors out of their homes.
C.The reverse mortgage only welcomes seniors.
D.Any senior can apply for reverse mortgages.
考题
资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
“I think it’ s huge day for loggerhead sea turtles, ”said Beth Riff, a marine wildlife scientist at Oceana.“it really draws attention to the fact these turtles are not doing well and more needs to be done to protect them.”With all that attention to paid to them, you’d think these creatures would at least have the gratitude not to go extinct, but Nature is indifferent to human notions of fairness.No one really knows how many loggerhead there are, or how many are being killed by fishing gear or other activities. Riff cites a 40 percent drop in the number of nesting females in Florida over the last decade as evidence of trouble.
Loggerheads are named for their large heads, which contain potent jaws that can crush the hard shells of prey such as conch. The turtles are about the size of a fist when they hatch and make a frenzied dash to the surf. But they typically grow to more than three feet in length and 250 pounds. The animal can log thousands of miles as it travels across oceans.
Barbara Schoder，national sea turtle coordinator for NOAA’s fisheries division, said the biggest threats to the North Pacific loggerhead include damage to primary nesting sites, which are mainly in Japan，as well as accidental snaring of the turtles in fishing gear. Andrea Tee of San Francisco-based Center for Biological Diversity said the turtles get hooked by Hawaiian longline fishermen targeting swordfish and tuna and can be injured or drowned. On the East Coast, the main threat to turtles is gear from the region’s various fishenes Schoder said.
A primary benefit of the endangered status would be increased public pressure on protecting the species, Riff said. But the government would also have to determine“critical habitats，”such as where the turtles reproduce or forage. Such places could be subject to additional protections for the turtles, including restrictions on maritime development or fishing.
Like every other environmental issue today, this is playing out against the background of global warming and human interference with natural ecosystems, The narrow strips of beach on which the turtles lay their eggs are being squeezed on one side by development and on the other by threat of rising sea levels as the oceans warm. Ultimately we must get a handle on those issues as well, or a creature that outlived the dinosaurs will meet its end at the hands of humans, leaving our descendants to wonder how creature so ugly could have won so much affection.
It can be learned from the first paragraph that（ ）.A.human activities have changed the way turtles survive
B.Efforts have been made to protect turtles from extinction
C.Marine biologists are looking for the secret of turtles’ reproduction
D.Government bureaucracy has contributed to decreasing number of turtles
考题
资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
“I think it’ s huge day for loggerhead sea turtles, ”said Beth Riff, a marine wildlife scientist at Oceana.“it really draws attention to the fact these turtles are not doing well and more needs to be done to protect them.”With all that attention to paid to them, you’d think these creatures would at least have the gratitude not to go extinct, but Nature is indifferent to human notions of fairness.No one really knows how many loggerhead there are, or how many are being killed by fishing gear or other activities. Riff cites a 40 percent drop in the number of nesting females in Florida over the last decade as evidence of trouble.
Loggerheads are named for their large heads, which contain potent jaws that can crush the hard shells of prey such as conch. The turtles are about the size of a fist when they hatch and make a frenzied dash to the surf. But they typically grow to more than three feet in length and 250 pounds. The animal can log thousands of miles as it travels across oceans.
Barbara Schoder，national sea turtle coordinator for NOAA’s fisheries division, said the biggest threats to the North Pacific loggerhead include damage to primary nesting sites, which are mainly in Japan，as well as accidental snaring of the turtles in fishing gear. Andrea Tee of San Francisco-based Center for Biological Diversity said the turtles get hooked by Hawaiian longline fishermen targeting swordfish and tuna and can be injured or drowned. On the East Coast, the main threat to turtles is gear from the region’s various fishenes Schoder said.
A primary benefit of the endangered status would be increased public pressure on protecting the species, Riff said. But the government would also have to determine“critical habitats，”such as where the turtles reproduce or forage. Such places could be subject to additional protections for the turtles, including restrictions on maritime development or fishing.
Like every other environmental issue today, this is playing out against the background of global warming and human interference with natural ecosystems, The narrow strips of beach on which the turtles lay their eggs are being squeezed on one side by development and on the other by threat of rising sea levels as the oceans warm. Ultimately we must get a handle on those issues as well, or a creature that outlived the dinosaurs will meet its end at the hands of humans, leaving our descendants to wonder how creature so ugly could have won so much affection.
How does global warming affect the survival of turtles?
A.It threatens the sandy beaches on which sea turtles lay eggs
B.The rising climate makes it difficult for their eggs to hatch
C.The rising sea levels make it harder for their hatchlings to grow
D.It takes them longer to adapt to the high temperature in the beach
考题
资料：（二）
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.
Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosureafter their husbands died.
Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.
Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,“sad Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.
Which is true about the problem of reverse mortgage?A.Some lenders are unwilling to lend money to seniors.
B.The borrowers cannot pay back the money as expected.
C.Federal and state regulators are documenting the objection.
D.Some lenders go bankrupt.
考题
The Federalists advocated（）Aa strong federal governmentsBstrong state governmentCthe adoption of Bill of RightsDlimits on the federal government
考题
Your firm has been recommended to us by AMK company, （） we have done business for many years.A、with whomB、with whoC、whomD、who
考题
The Federalists advocated（）A、a strong federal governmentsB、strong state governmentC、the adoption of Bill of RightsD、limits on the federal government
考题
The Federal Government and the states governments are supposed to （）each other.A、guideB、controlC、keep independence from
考题
Initially， for the Automatic Workload Repository （AWR） statistics， the retention period is set to 7 days， the collection interval is set to 30 minutes and the collection level is set to Typical in your production database. You have been using the Memory Advisor for the last three months to generate recommendations for tuning memory components. However， when you observe the Memory Advisor on a Friday， you find that the statistics are available only for two days， Thursday and Friday， of that week. What would have caused the statistics to be removed？（）A、On Wednesday， the statistics have been purged.B、On Wednesday， the retention period has been set to zero.C、On Wednesday， the collection interval has been set to zero.D、On Wednesday， the collection level has been changed to All.E、On Wednesday， the retention period has been set to one day.F、On Wednesday， the retention period has been set to two days.G、On Wednesday， the collection level has been changed to Typical.H、On Wednesday， the collection interval has been set to 1440 minutes.
考题
单选题On open waters，a vessel fishing is in a crossing situation with a vessel sailing located on the fishing vessel’s starboard side. Which vessel is the stand-on vessel?（）.A
The fishing vessel because it is to port of the sailing vesselB
The fishing vessel because it is fishingC
The sailing vessel because it is to starboard of the fishing vesselD
The sailing vessel because it is sailing
考题
单选题The Federal Government and the states governments are supposed to （）each other.A
guideB
controlC
keep independence from
考题
单选题When ______ , many racists cannot give a logical reason for their attitudes towards other racial groups.A
questioningB
having been questionedC
having questionedD
questioned
考题
问答题Topic 5：Should government relief recipients be kept from owning “luxuries”? Questions for Reference: 1. What kind of products will you define as “luxuries”? 2. Should people who receive subsistence allowance from the government be allowed to own luxuries? Why or why not? 3. What do you suggest will be the more “humane” restrictions on those who apply for subsistence allowance?
考题
问答题Although the American economy has transformed itself over the years, certain issues have persisted since the early days of the republic. One is the continuing debate over the proper role for government in what is basically a marketplace economy. An economy based on free enterprise is generally characterized by private ownership and initiative, with a relative absence of government involvement. However, government intervention has been found necessary from time to time to ensure that economic opportunities are fair and accessible to the people, to prevent flagrant abuses, to dampen inflation and to stimulate growth.Ever since colonial times, the government has been involved, to some extent, in economic decision-making. The federal government, for example, has made huge investments in infrastructure, and it has provided social welfare programs that the private sector was unable or unwilling to provide. In a myriad of ways and over many decades, the government has supported and promoted the development of agriculture.
考题
单选题A tug is best positioned for towing and maneuvering on rivers and other restricted waters where wave action is limited when（）.A
directly astern and pushing the towB
towing on a hawserC
towing alongside and parallel to the vessel it is towingD
towing on the hip
考题
问答题Practice 4 The other kind of bank—the Bank of the United States was simultaneously a commercial bank and a quasi-public central bank. The First Bank of the United States, chartered by the Congress in 1791, owed its existence to Alexander Hamilton who, shortly after becoming Secretary of the Treasury, showed remarkable insight into the financial problems of the young country and the economic implications of banking. The First Bank of the United States operated much like a private bank. But unlike a regular commercial bank, it had the federal government as a partner and number one customer. The Bank served as the fiscal agent for the government, holding government tax receipts, paying government bills, performing various financial housekeeping tasks. In return, the government kept its cash as deposits with the First Bank of the United States, giving it a huge financial base. The First Bank’s federal charter, moreover, allowed it to operate branches in all states, giving it a big competitive edge over regular state-chartered banks, which could operate only in the states that chartered them. Gradually the First Bank of the United States evolved into a sort of banker’s bank, gaining the power to police lesser commercial banks.
考题
单选题Which of the following can be concluded from the author’s statement “Any beneficial substances from the turtles could also be synthesized chemically, so as to prevent the killing of turtles” in Paragraph 3 ?A
The author feels sorry for killing turtles massively.B
Turtles can be used to substitute many other medicines.C
Many other kinds of herbs can be as useful as turtles.D
International market feels happy for Chinese businessmen to buy.
考题
问答题Practice 3 The United States is a federal union of 50 states. The District of Columbia is the seat of the national government. The Constitution outlines the structure of the national government and specifies its powers and activities. Other governmental activities are the responsibilities of the individual states, which have their own constitutions and laws. Within each state are counties, townships, cities and villages, each of which has its own elective government. All government in the United States is “of, by and for the people”. Members of Congress, the President, state officials, and those who govern counties and cities are elected by popular vote. Heads of federal departments are named by the President, and judges are either elected directly by the people or are appointed by elected officials. Voting ballots are unsigned and marked by the voters in private booths so that no one else can find out for whom a citizen is voting. Public officials may be removed from office for failing to perform their duties properly as well as for serious violations of law.
热门标签
最新试卷
