4．what do many observers predict in view of the experience of the 20th century?

　　A. Economic growth will slow down.

　　B. Government budgets will increase.

　　C. More people will try to pursue higher education

　　D. There will be more competition in the job market.

　　48．A 细节理解题。由第二段The experience of the 20th century, when greater longevity translated into more years in retirement rather than more years at work, has persuaded many observers that this shift will lead to slower economic growth可知，许多专家鉴于20世纪的经验看，未来的经历发展速度将变得缓慢。故选A。

　　4．What is the result of policy changes in European countries?

　　A. Unskilled workers may choose to retire early.

　　B. more people have to receive in-service training.

　　C. Even wealthy people must work longer to live comfortably in retirement.

　　D. People may be able to enjoy generous defined-benefits from pension plans.

　　C

　　Are you a compulsive (强迫性的) spender, or do you hold on to your money as long as possible? Are you a bargain hunter? Would you rather use charge accounts than pay cash? Your answers to these questions will reflect your personality. According to psychologists, our individual money habits not only show our beliefs and values, but can also stem from past problems.

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