Passage One
Questions 46 to 50 are based on the following passage.
As a university student, I've come to realise just how little I know about money. I've come to the brutal realisation that Australia's youth are being done a great disservice by not receiving any consistent financial education.
Diving headfirst into the crash course of starting university, I've quickly tried to get myself up to speed with the financial terms of the modern era to help manage my personal finances.
I've read some financial education books, done some online learning, and have spoken to my nearest and dearest for their pearls of financial wisdom.
There are undoubtedly hundreds of great resources out there for those wishing to improve their financial literacy, but while I was researching, I still kept wishing that I didn't have to play catch-up with the money world. I felt that I was sailing the financial seas with no skills and no life jacket!
However, after talking to my friends who felt the same, I quickly realised that it wasn't my ignorance but the lack of financial education in our schooling system that is leaving high schoolers seriously behind in the modern world of money.
Let's compare a theoretical financial education subject to the standard compulsory English class. On average, English may not be the most popular subject, but it's consistently on the schedule throughout high school, with all students graduating fluent in English.
A financial education subject should do just the same. It shouldn't be just a one-day event but a course integrated throughout the whole of high school that would allow students to gradually expand their financial literacy, and would prevent the need for a‘catch up’phase once we’re out on our own after graduation.
In the same way that learning a language or new skills takes time, building financial skills requires practice and years to gradually accumulate bits and pieces of knowledge.
Giving young people the opportunity to become familiar with the world of money would provide them with a great advantage to enter adulthood with confidence and security so that they are able to manage their own money and look after themselves.
46. What has the author come to realise since entering university?
A) He needs a crash course on financial terms.
B) He is very much lacking in financial literacy.
C) It requires consistent education to be financially independent.
D) It is unrealistic to give all Australian youth a financial education.
47. How did the author feel in today's money world?
A) Badly equipped to survive.
B) Ignorant of financial literature.
C) Barely capable of moving ahead.
D) Overwhelmed by the resources online.
48. What did the author realise after talking to his friends?
A) They were as keen as he was on financial matters.
B) The schooling system was to blame for his trouble.
C) High schoolers knew nothing about the modern financial world.
D) Financial courses were as unpopular as compulsory English classes.
49. What is the author's idea of a financial education course?
A) It should foresee students' needs after graduation.
B) It should provide students with some basic knowledge.
C) It should be taught the same way as English is taught.
D) It should be integrated into high school education.
50. What would financial literacy do to young people?
A) Allow them to enter adulthood with financial security.
B) Enable them to look after themselves without worrying about money.
C) Render them confident and secure in terms of money management.
D) Help them become familiar with the world of money.
答案解析：
由题干中的关键词 "realise since entering university" 定位到文章第一段。第一段提到 "I've come to realise just how little I know about money."(我意识到自己对金钱是多么无知)，这直接表明作者认识到自己非常缺乏金融知识。所以选 B。
由题干中的关键词 "feel in today's money world" 定位到文章第四段。第四段中作者用了一个比喻 "I felt that I was sailing the financial seas with no skills and no life jacket!"(我感觉自己像是在没有技能和救生衣的情况下航行在金融的海洋里)，这生动地表达了他在金钱世界里毫无准备、缺乏生存技能的感受。所以选 A。
由题干中的关键词 "realise after talking to his friends" 定位到文章第五段。第五段提到 "I quickly realised that it wasn't my ignorance but the lack of financial education in our schooling system..."(我很快意识到，这不是我的无知，而是我们教育体系中缺乏金融教育...)，这明确指出作者将问题归咎于教育系统。所以选 B。
由题干中的关键词 "idea of a financial education course" 定位到文章第七段。第七段中作者明确提出 "It shouldn't be just a one-day event but a course integrated throughout the whole of high school..."(它不应该只是一次性的活动，而应该是一门贯穿整个高中的课程)，这直接说明了他认为金融教育课程应该被整合到高中教育中。所以选 D。
由题干中的关键词 "financial literacy do to young people" 定位到文章最后一段。最后一段提到 "...would provide them with a great advantage to enter adulthood with confidence and security so that they are able to manage their own money..."(这会给他们带来巨大优势，让他们能带着自信和安全感进入成年，从而能够管理自己的钱)，这概括了金融素养能带来的核心好处：在金钱管理方面变得自信和有保障。所以选 C。
