[originaltext]M: Hi, Sis. I just came over to drop off the textbooks you wanted

M: Hi, Sis. I just came over to drop off the textbooks you wanted, and... Hey, wow! Where did you get all of this stuff?
W: I bought it. So, what do you think of my new entertainment center? And the widescreen TV...
M: Bought it?
W:... and my new DVD player. Here, let me show you my stereo. You can really rock the house with this one.
M: But where did you get the money to buy all this? You didn’t borrow money from mom and dad again, did you?
W: Of course not. I got it with this!
M: This? Let me see that... Have you been using Dad’s credit card again?
W: No, silly. It’s mine. It’s student credit card.
M: A student credit card? How in the world did you get one of these?
W: I got an application in the mail.
M: Well, why did you get one in the first place?
W: Listen. Times are changing, and having a credit card helps you build a credit rating, control spending, and even buy things that you can’t pay with cash... like the plane ticket I got recently.
M: What plane ticket?
W: Oh yeah, my roommate and I are going to Hawaii over the school break, and I needed some new clothes for that so...
M: I don’t want to hear it. How does having a student credit card control spending? It sounds you’ve spent yourself in a hole. Anyway, student credit cards just lead to impulse spending... as I can see here. And the interest rates of student credit cards are usually sky-high, and if you miss a payment, the rates just jump!
W: Ah. The credit card has a credit limit...
M: How much? ... of $20,000?
W: No, not quite that high. About $2,000. So you see I won’t spend too much.
M: I’ve heard enough.
W: Did I tell you that the TV is a wireless one? We can connect it to the computer without an Ethernet cable. Oh, and here’s your birthday present. A new iPad. Surprise!
M: Yeah. Oh, don’t tell me. Charged on the credit card. Listen. Hey, I don’t think having a student credit card is a bad idea, but this is ridiculous. And how in the world are you going to pay off your credit card bill?
W: Well, with my birthday money? It’s coming up in a week.
M: Hey, let’s sit down and talk about how you’re going to pay things back, and maybe we can come up with a budget that will help you get out of this mess. We’d better stop making things worse.
This is the end of Conversation One.
Questions 1-5 are based on Conversation One.
1. Why does the man visit the woman?
2. How did the woman get the money to buy all the stuff?
3. Why does the woman buy the plane tickets?
4. What birthday present does the woman give to the man?
5. What will the man and woman probably do next?