18．C　that begins 意为“是那样开始的”。由后面叙述提示可知答案。

　　19．A　根据上句可知，所讲的故事应该符合孩子们的需要而不是“活动（activities）”、“判断（judgments）”或“习惯（habits）”。

　　20．B　根据句子结构可知，此处应是一个宾语从句引导词，且从句中动词take缺少宾语，所以用what既作宾语从句的引导词又在从句中作宾语。

　　新题预测

　　Learning to save money when you're young is an important lesson. All good lessons and habits begin early, and saving is a skill that everyone __1__. Many people—adults included—do not have a good __2__ of saving for the long run.

　　I have been __3__ to learn this lesson early because I have had a grass cutting business since I was 10 years old.__4__ the money I made I spent about 10 percent and saved the other 90.

　　Making sure you save and don't spend too much is a good way to __5__ wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to __6__. Young people should __7__ that their teenage years are a great time to begin saving.

　　If you have a job at high school, you __8__ have fun with some of the money. But you should also save some __9__ it will grow. Then you can begin planning for your future. When you spend money, you not only lose that money, __10__ lose the interest you could have earned by saving it.

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