Average debts for graduates are

　　￡12,363.

　　Stephen Moir, head of community investment at the

　　Royal Bank of Scotland Group which owns Nat West, 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， forward­planning

　　adults who manage their

　　finances confidently and

　　effectively.”

　　Ministers are deeply concerned about the financial

　　pressures on teenagers and young people because of

　　students' loans and rising housing costs. They have just

　　introduced new lessons in how to manage debts. Nikki

　　Fairweather, 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.

　　本文是关于英国的研究机构的一份调查，表明大部分青少年对钱的问题认识不深，他们大多数过高估计了未来赚钱的前景，对他们以后可能要负担的债务也没有认识。

　　1．Which of the following can be found from the

　　five­year research project?

　　A．Students understand personal finances differently.

　　B．University tuition fees in England have been

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