14. According to the speaker, what should one pay special attention to if he wants to save up?

　　[A] Family debts.

　　[B] Bank savings.

　　[C] Monthly bills.

　　[D] Spending habits.

　　15. How much can a person save by retirement if he gives up his pack-a-day habit?

　　[A] $190,000.

　　[B] $330,000.

　　[C] $500,000.

　　[D] $ 1,000,000.

　　16. What should one do before paying monthly bills, if he wants to accumulate wealth?

　　[A] Invest into a mutual fund.

　　[B] Use the discount tickets.

　　[C] Quit his eating-out habit.

　　[D] Use only paper bills and save coins.

　　14.cut corners:抄近路，save up

　　look at 看，考虑，着眼于

　　focus 提示性的词，相当与一个标志性的词

　　15.听的时候可以记下来

　　16.mutual fund:互助基金

　　D选项本身是true ，但是不符合题目要求

　　注意：定位，重复信息

　　Questions 17 - 20 are based on an interview with Herbert A. Glieberman,domestic-relations lawyer. You now have 20 seconds to read Questions 17 - 20.

　　17. Which word best describes the lawyers prediction of the change in divorce rate?

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