　　Of all the lessons taught by the financial crisis, the most personal has been

游客2024-01-21 9

问题　　Of all the lessons taught by the financial crisis, the most personal has been that Americans aren’t so good at money-management. We take out home loans we can’t afford. We run up sky-high credit-card debt. We don’t save nearly enough for retirement.
In response, supporters of financial-literacy education are moving with renewed enthusiasm. School districts in states such as New Jersey and Illinois are adding money-management courses to their curriculums. The Treasury and Education departments are sending lesson plans to high schools and encouraging students to compete in the National Financial Capability Challenge that begins in March.
Students with top scores on that exam will receive certificates—but chances for long-term benefits are slim. As it turns out, there is little evidence that traditional efforts to boost financial know-how help students make better decisions outside the classroom. Even as the financial-literacy movement has gained steam over the past decade, scores have been falling on tests that measure how well students learn about things such as budgeting, credit cards, insurance and investments. A recent survey of college students conducted for the JumpStart Coalition for Personal Financial Literacy found that students who’d had a personal-finance or money-management course in high school scored no better than those who hadn’t.
"We need to figure out how to do this the right way," says Lewis Mandell, a professor at the University of Washington who after 15 years of studying financial-literacy programs has come to the conclusion that current methods don’t work. A growing number of researchers and educators agree that a more radical approach is needed. They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids’ hands and talking openly about the emotions and social influences tied to how we spend.
Other initiatives are tackling such real-world issues as the commercial and social pressures that affect purchasing decisions. Why exactly do you want those expensive brand-name shoes so badly? "It takes confidence to take a stand and to think differently," says Jeroo Billimoria, founder of Aflatoun, a nonprofit whose curriculum, used in more than 30 countries, aims to help kids get a leg up in their financial lives. "This goes beyond money and savings." [br] The financial-literacy education is intended to________.

选项 A、increase Americans’ awareness of the financial crisis
B、renew Americans’ enthusiasm about money-management
C、enable Americans to manage money wisely
D、help Americans to overcome the financial crisis

答案 C

解析该句开头的In response表明金融知识扫盲是为了对付上一段提到的问题，根据上一段的内容可知，美国人的问题是不善于理财。因此，金融知识扫盲就是为了帮助美国人理财，选C。第1段强调金融危机给美国最大的教训是美国人不善理财，因此金融知识扫盲运动针对的是这个问题，全文也是围绕金融知识扫盲教育和理财展开。而提到的金融危机只是本文的引子而非叙述的主体，故A、D均喧宾夺主；第2段第1句最后的两个词renewed enthusiasm“新的热情”发生在supporters(金融知识扫盲的支持者)的身上，不是举办金融知识扫盲的目的，故排除B。

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