It is not only scientists, of course, who understand the psychology of spending habits, but also business people. Stores, companies, and advertisers use psychology to increase business: they consider people’s needs for love, power, or influence, their basic values, their beliefs and opinions, etc. in their advertising and sales methods.

　　Psychologists often use a method called “behavior therapy(疗法)” to help individuals solve their personality problems. In the same way, they can help people who feel that they have problems with money: they give them “assignments”. If a person buys something in every store that he enters, for instance, a therapist might teach him self-discipline in this way: on the first day of his therapy, he must go into a store, stay five minutes, and then leave. On the second day, he should stay for ten minutes and try something on. On the third day, he stays for fifteen minutes, asks the salesclerk a question, but does not buy anything. Soon he will learn that nothing bad will happen to him if he doesn’t buy anything, and he can solve the problem of his compulsive buying.

　　试题分析:文章讲述的是不同的消费方式和消费习惯能反映出消费者的性格特征和不同的心理需求。

　　50．If you use charge accounts, ______.

　　A. you pay in cash

　　B. you pay with credit card

　　C. you pay less than you should

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