[简答题] It seems like Americans use credit cards for everything. It’’s a lot easier to spend money that you don’’t see, isn’’t it Many Americans spend money that isn’’t even there — and get deeper and deeper in debt. Why do so many people spend more than they have "Buy now, pay later" has become an American way of life. Recently, American households spent nearly 11 billion dollars more than they earned, creating negative saving rate. There are two ideas — one, living within your means, and the idea that living on debt is a great equalizer (平衡装置). They both have validity because it is important that someone live within their means over their lifetime. When people are young and they are earning money but they have very little savings, they almost have to borrow in order to own a house or own a car. But as they grow older, they should develop the habit of saving, so that by the time they reach the end of their earning life, they have savings to live on in retirement, and live within th

[简答题] It seems like Americans use credit cards for everything. It’’s a lot easier to spend money that you don’’t see, isn’’t it Many Americans spend money that isn’’t even there — and get deeper and deeper in debt. Why do so many people spend more than they have "Buy now, pay later" has become an American way of life. Recently, American households spent nearly 11 billion dollars more than they earned, creating negative saving rate. There are two ideas — one, living within your means, and the idea that living on debt is a great equalizer (平衡装置). They both have validity because it is important that someone live within their means over their lifetime. When people are young and they are earning money but they have very little savings, they almost have to borrow in order to own a house or own a car. But as they grow older, they should develop the habit of saving, so that by the time they reach the end of their earning life, they have savings to live on in retirement, and live within th

[单项选择] THE HYDROGEN ECONOMY It seems like every day there is a new announcement in the news about automobiles powered by fuel cells. The promises are great, since fuel cells have the potential to very quickly double the efficiency of cars while significantly reducing air pollution. At the same time, there have been news stories for decades about the problems associated With petroleum. Everything from oil spills to ozone(臭氧) alerts to global warming gets blamed on our dependence on fossil(化石) fuels. These two forces are leading the world toward what is broadly known as the hydrogen economy. If the predictions are true, over the next several decades we will all begin to see an amazing shift away from the fossil fuel economy we have today toward a much cleaner hydrogen future. Problems with the fossil fuel economy While fossil fuels have played an important role in getting society to the point it is at today, there are four big problems that fossil
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