Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said, “The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."

　　Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr, aged 15, from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.

　　9. Which of the following can be found from the five-year research project?

　　A. Students understand personal finances differently.

　　B. University tuition fees in England have been rising.

　　C. Teenagers tend to overestimate their future earnings.

　　D. The students’ payback ability has become a major issue.

　　10. The phrase “to raise the ceiling” in paragraph 2 probably means "______".

　　A. to raise the student loans

　　B. to improve the school facilities

　　C. to lift the school building roofs

　　D. to increase the upper limit of the tuition

　　11. According to Stephen Moir, students_______.

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