A. should learn to manage their finances well

　　B. are too young to be exposed to financial issues

　　C. should maintain a positive attitude when facing loans

　　D. benefit a lot from lessons on personal finance

　　12. What can we learn from the passage?

　　A. Teenagers in Britain are heavily burdened with debts.

　　B. Many British teenagers do not know money matters well.

　　C. Financial planning is a required course at college.

　　D. Young people should become responsible adults.

　　D

　　Holidays

　　Holiday News

　　Vacancies(空位) now and in the school holidays at a country hotel in Devon. This comfortable, friendly home-from-home lies near the beautiful quiet countryside, but just a drive away from the sea. The food is simple but good. Children and pets are welcome. Reduced prices for low season.

　　The Snowdonia Centre

　　The Snowdonia Centre for young mountain climbers has a mountain climbing lesson. The beginners’ costs are ￡57 for a week, including food and rooms. Equipment is included except walking shoes, which can be hired at a low cost.

　　You must be in good health and prepared to go through a period of body exercises. This could be the beginning of a lifetime of mountain climbing adventure.

　　The World Sea Trip of a Lifetime

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