To improve credit score, one should lay great effort not to delay the payment of bills.

听力原文： The modern sailing ship was developed by a man who never went to sea. He was Prince Henry of Portugal, the younger son of the Portuguese King and an English princess.

Prince Henry lived in the 15th century. As a boy he became devoted to the sea, and he dedicated himself to improving the design of ships and the methods of sailing them. In 1416, Henry founded a school for mariners, to which he invited everyone who could help him--Jewish astronomers, Italian and Spanish sailors, and Arab mathematicians and map makers who knew how to use the crude compass of the day and improve it.

Henry's goal was to design and equip vessels that would be capable of making long ocean voyages without having to hug the shore. The caravel carried more sail and was longer and slimmer than any ship then made, yet was tough enough to withstand gales at sea. He also developed the carrack, which was a slower ship, but one that was capable of carrying more cargo.

To Prince Henry the world owes credit for the development of craft that made oceanic exploration possible. He lives in history as "Prince Henry the Navigator".

(30)

A．To help mariners.

B．To improve ship design and sailing methods.

C．To study astronomy and mathematics.

D．To improve his own skill as a sailor.

已知有下面三张表：

Student(Sno,Sname,Sage,Ssex,Sdept) 学生表

其中Sno：学号;Sname：学生姓名;Sage：学生年龄;Ssex：学生性别;Sdept:学生所在系。

Course(Cno,Cname,Credit) 课程表

其中Cno：课程编号;Cname：课程名字;Credit：学分。

SC(Sno,Cno,Score) 选课成绩表

Sno：学号;Cno:课程编号;Score：成绩。

根据以上的内容，写出以下问题的SQL语句。

1.查询全体学生的学号与姓名。

2.查询所有年龄在20岁以下的学生姓名及其年龄。

3.查询选修1号课程的学生最高分数。

4.查询选了至少3门课的同学的姓名和所在系。

5.查询选修了课程名为“信息系统”的学生学号和姓名。

w car, house, computer, or get a student loan. However, that there is a special number that can determine whether you can do these things, or at least how much it will cost you. A credit score is a number that is calculated based on your credit history to give lenders a simpler "lend/dont lend" answer for people who are applying for credit or loans. This number helps the lender identify the level of risk they may be taking if they lend to someone. The credit score is quicker and less subjective. Its the credit score that makes it possible to get instant credit at places like electronics stores and department stores. [B] Although there are several scoring methods, the method most commonly used by lenders is known as a FICO because of its origins with Fair Isaac Corporation. Fair Isaac is an independent company that came up with the scoring method and software used by banks and lenders, insurers and other businesses. Each of the three major credit bureaus (Experian, Equifax and TransUnion) worked with Fair Isaac in the early 1980s to come up with the scoring method. [C] The three national credit bureaus each have their own version of the FICO score with their own names. Equifax has the Beacon system, TransUnion has the Empirica system, and Experian has the Experian/Falr Isaac system. Each is based on the original Fair Isaac FICO scoring method and produces equivalent numerical results for any given credit report. Some lenders also have their own scoring methods. Other scoring methods may include information such as your income or how long youve been at the same job. [D] Think of your credit score, like your grade in school. A teacher calculates grades by taking scores from tests, homework, attendance and anything else they want to use, weighting each one according to importance in order to come up with a final single number (or letter)score. Your credit score is calculated in a very similar manner. Instead of using the scores from pop quizzes and reports you wrote, it uses the information in your credit report. [E] 35 percent of the score is based on your payment history. This makes sense since one of the primary reasons a lender wants to see the score is to find out if (and how timely)you pay your bills. The score is affected by how many bills have been paid late, how many were sent out for collection, any bankruptcies, etc. When these things happened also comes into play. The more recent, the worse it will be for your overall score. [F] 30 percent of the score is based on outstanding debt. How much do you owe on car or home loans？ How many credit cards do you have that are at their credit limits？ The more cards you have at their limits, the lower your score will be. The rule of thumb is to keep your card balances at 25% or less of their limits. [G] 15 percent of the score is based on the length of time youve had credit. The longer youve had established credit, the better it is for your overall credit score. Why？ Because more information about your past payment history gives a more accurate prediction of your future actions. [H] 10 percent of the score is based on the number of inquiries on your report. If youve applied for a lot of credit cards or loans, you will have a lot of inquiries on your credit report. These are bad for your score because they indicate that you may be in some kind of financial trouble or may be taking on a lot of debt (even if you havent used the cards or gotten the loans). The more recent these inquiries are, the worse for your credit score. FICO scores only count inquiries from the past years. [I] 10 percent of the score is based on the types of credit you currently have. The number of loans and available credit from credit cards you have makes a difference. There is no magic number or combination of types of accounts that you shouldnt have. These actually come more into play if there isnt as much other information on your credit report on which to base the score. This information is compared to the credit performance of other consumers with similar histories and profiles. [J] Your credit score doesnt just affect whether or not you get a loan; it also affects how much that loan is going to cost you. As your credit score increases, your credit risk decreases. This means your interest rate decreases. There are other factors that influence the interest rate you get for a loan besides your credit score. Things like the type of property you are using the loan to buy, how much of your own money is going into it, the costs the lender has to make the loan, etc. [K] In. addition to banks and lenders, there are landlords, merchants, employers and insurance companies jumping on the credit score bandwagon (风靡的活动). Of all of these, the fact that insurance rates are being determined by credit scores is causing consumers the most alarm. To most, it seems that your credit history and your driving record have little in common. Insurers, on the other hand, have found that using credit scores to predict how likely someone is to pay premiums has helped them cut their losses. They dont use the same score that banks and lenders use, however. They use a slightly different formula for their calculations and actually call it an "insurance score".[ LJ Credit scores arent static numbers. Because they are calculated based on your current credit report, they change every time your credit report changes. While this change may be very slight, it can also be much more dramatic. Here are some things some financial advisers say to do to try to improve your score. [M] Review your credit report and correct any errors you find. Getting rid of inaccurate information can sometimes improve your score dramatically. [N] Advice used to be given to close old and unused credit card accounts in order to reduce your "potential" available credit, which could change your debt ratio after youve been approved for a loan. Now, however, the ratio of your debt to your credit limit is more critical, so closing old accounts only raises that ratio-which you dont want to do. Some people have moved debt from several credit cards to one card and then closed the old accounts. Since creditors look at the debt-to- credit limit ratio, this can have a bad affect on your credit score because you have the same amount of debt but less available credit. So dont close old credit card accounts just because youre not using them. [O] Creditors also now look at the average age of your accounts so, again, keep those old accounts. Reduce your balances on credit cards to 75% or less of your available credit (25% is preferable). Pay your bills on time. (This is probably the most important of all!)Dont let anyone make an inquiry on your credit report unless you absolutely have to. The more inquiries, the lower your score. Dont open new credit card accounts just to increase your available credit in the hopes of raising your score. Also, remember that some improvements-such as better efforts at making payments on time-may take time to impact your score. So, time is also a factor. The credit score based on ones payment history accounts for 35 percent.

Passage 1

Back in the carefree days of the Noughties boom, Britain’s youngsters were swept along by the buy-now-pay-later culture embraced by consumers up and down the country. During a decade of near？full employment, many _1_ quickly from one job—and one credit card—to another, and rainy days were such a distant memory that they _2_ seemed worth saving for. But with the supply of cheap credit _3_ up and a generation of school and university leavers about to _4_ the recession-hit job market, thousands of young people with no memory of the early 1990s recession are shocked into the _5_ that the world of 2009 is very different. Katie Orme, 19，who lives in Birmingham, says she has decided never to get a credit card after seeing the problems that her parents and 22year-old sister have had with debt—just one of the _6_ lessons that she has had to learn. Orme finished her A-levels a year ago, and has been searching for a job—and living at home with her parents—ever since. She has had to _7_ on to support herself and is now on a 12-week internship (实习期）at the Prince’s Trust to improve her _8_ . The Trust says that the number of calls from _9_ people such as Orme has shot up by 50% over six months. “It’s so hard to get a job at the moment,” she says, “it’s better to go and get more qualifications so when more jobs are _10_ you will be better suited.”

A) sign

B) skipped

C) available

D) mostly

E) anxious

F) mug

G) hardly

H) remedy

I) realization

J) dynamic

K) resume

L) tough

M) neglected

N) drying

O) flood

第1空答案是：

n effort to help scientists trying to develop a vaccine, the WHO said. WHO officials in Beijing said Chinese authorities had granted WHO's request for up to 20 live samples, which will be analyzed in international laboratories to improve understanding of the killer virus.

The two sides are working out the logistics, including how to ship the samples and which lab they will go to. The shipment is "significantly larger" than the last one China provided, which consisted of five live viruses from poultry in 2004.

WHO enjoyed good cooperation with China's Ministry of Health, which has shared viruses from human cases, but confronted problems trying to convince the Ministry of Agriculture to share samples.

Through negotiations, the two sides worked out an arrangement that will give the scientists due credit and involve them in subsequent research whenever possible.

WHO officials expressed the hope that the agreement could open the way for more regular sharing of viruses, which is important to determine the different types of strains of the deadly bird flu virus that exist and how they affect humans differently.

China has reported 34 outbreaks among poultry since the beginning of last year and 15 confirmed human cases of bird flu, resulting in 10 deaths.

The virus has killed more than 100 people worldwide since 2003, mostly in Asia. It has spread from Asia to Europe and Africa in recent months.

(4)

A．Humans.

B．Poultry.

C．Fish.

D．Monkeys.

ur lives. But mothers also deserve credit for the pivotal (关键的) role they've played in the history of human evolution. Prehistoric mothers did nothing less than seed the development of our species' remarkable intelligence.

The story begins at least two million years ago, when our brains started to grow larger, eventually making humans the most cognitively advanced species on earth. This evolution was not without its difficulties, particularly for mothers. That's because, some five million to seven million years ago, soon after the human lineage (世系) branched from the ancestors of chimpanzees (黑猩猩), another peculiarity increasingly came to mark our ancestors: walking upright on two legs, or bipedalism.

The evolution of bipedalism gradually altered our ancestors' skeletons. By the time brain size began trending upward, the shape of the human pelvis (骨盆) had changed to accommodate the muscle attachments that facilitated walking (and running) in a more vertical posture. As a result, parts of the birth canal narrowed, making the passage of big-brained infants increasingly difficult.

The combination of big brains and constricted birth canals was an obstetrical problem for early mothers and no doubt led to high rates of maternal and infant mortality. The infants who survived were the ones whose heads were small enough to squeeze through narrowed birth canals, but to thrive outside the womb, human development favored big brains. And so natural selection encouraged the early birth of human fetuses, before they had finished gestating (孕育). For that reason, our babies are born in immature, helpless states compared with those of the apes.

Had it not been for the natural selection of enlarged brains, our species would have evolved in a completely different direction. There would be no theory of relativity, no knowledge of "entangled" particles or the human genome; we'd have no great art, music or novels. The excruciating (极痛苦的) pain and trauma of childbirth are the cost our species has paid for its fancy cognition. And mothers continue to pay the debt.

But that's hardly all prehistoric mothers gave us. They also may well have touched off the evolution of language from the sounds they made to reassure their helpless infants. Baby chimpanzees, after all, can cling to their mothers' hairy chests and contentedly ride along, nursing on demand. But human infants, born immature, lack that dexterity. Before the advent of devices like baby slings, the burden of carrying helpless infants presented a dilemma for early mothers as they foraged for food and water.

The purpose of the author in wring this passage is ______.

A．to celebrate Mother's Day

B．to commend the role of the female in the history of human evolution

C．to have a general review of human evolution

D．in honor of mothers all over the world

A．They often get credit from their bank.

B．They think credit cards are the best way to get credit.

C．They don't like shopping on credit.

D．They like to spend on credit cards.

A.to improve

B.improve

C.improving

D.improved

rt.

A．Free of charge.

B．Either by check or by cash.

C．Either by cash or by credit card.

D．Either by check or by credit card.