20．A.If

　　B．When

　　C．Unless

　　D．Before

　　解析：选B。考查连词。根据前后句的逻辑关系，此句应该强调时间，用when。

　　Ⅳ.阅读理解

　　Words：419　难度系数：☆☆　建议用时：6′

　　(2011年安徽芜湖市高三模拟)EVERYBODY in this world is different from one another.But do you know that understanding differences can help you better manage your money?

　　As we grow up，we gradually develop a set of our own values or beliefs.These are influenced by society，our family，the education we receive and so on.Once this value system is set up，it’s not easy to change later in life.

　　Financial experts say that everyone also has their own belief of how to manage their finances.This is part of our value system and it has a great impact on the way we look after our money.

　　According to our different values，experts put us in three categories.They are：the ant，the cricket and the snail.

　　◆The ant—works first

　　Just like ants who work heart and soul in summer in order to store food for winter，these people don’t care about enjoying the moment.They work very hard and save money they earn so that they can enjoy life when they get old and retire.The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk.

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