The cricket-fun first

　　The cricket wants to enjoy everything now and doesn't think too much about the future．They even borrow money when they really want something．Many young people now belong to this group．These people have little savings．When they get old，they might have problems．They should learn to save and buy insurance．

　　The snail-lives under pressure

　　The snail refers to people who make life difficult for themselves．They take big long-term loans from the bank in order to buy things such as luxury houses．They are happy to take big loans even though they are not sure whether they can afford it．This can cause problems in the future．They should plan more carefully．

　　1．People with the character of the snail would like to __________．

　　A．enjoy life at the moment without thinking much about the future

　　B．put work before everything else

　　C．live a luxury life at all costs

　　D．take the risk of investing a large sum of money

　　2．Our beliefs and values are affected by the following except __________．

　　A．society     B．our family     C．education     D．money

　　3．This passage mainly talks about __________．

　　A．the spending nature of people

　　B．the relation between man and insects

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