[填空题]
· Read the article below about money management in Britain．
· For each question 31-40．write one word in CAPITAL LETTER on your Answer Sheet.

Younger people are more likely to talk about their money issues than their elder counterparts，it has been revealed．Saga Personal Finance has found that 14 percent of over-50s are happy to talk about their finances ln{{U}} (31) {{/U}}，compared to 21 percent of under.50s．People{{U}} (32) {{/U}}．claimed they are unwilling to discuss money openly said they believe those matters should stay private(50 percent)and a tenth explained it was{{U}} (33) {{/U}} they were embarrassed about their financial situation．Around half of the under-50s said they were happy to{{U}} (34) {{/U}}．money with their friends，whereas this fell to 30 percent among the older group．It was also revealed that 71 percent of Brits in a relationship have a separate current{{U}} (35) {{/U}}，explaining that they want to keep th

{{B}} PROCESS MANAGEMENT TO QUALITY IMPROVEMENT{{/B}}
The examples above illustrate the need for integrated process and quality management, based on well-structured procedures, sensibly applied. For an organization to function effectively, it must have visible and easily understood procedures that assist staff in carrying out their work and provide accountability for all operations. Providing such a system is not trivial, and it cannot be done without considerable thought and hard work. But the results will more than justify the effort.
Modern management must deal with degrees of complexity unheard of only a few decades ago. They must integrate many systems--for example, for purchasing, personnel,
A. Integrated process and quality management is called for.
B. Considerable thought and hard work are the premise of providing such a mentioned system.
C. The procedures mentioned here can help employees fulfill their work.
D. The effort made in providing such a system will be great while what we get will be little.