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  3. Individuals are increasingly being asked to take on sole responsibility—and assume the burden of risk—for complex savings tasks

Individuals are increasingly being asked to take on sole responsibility—and assume the burden of risk—for complex savings tasks

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问题     Individuals are increasingly being asked to take on sole
responsibility—and assume the burden of risk—for complex savings
tasks which were previously at most shared with governments or【S1】_________________
employees, such as investing for a pension or for higher education for【S2】_________________
their children. But how can individual workers or parents expected to【S3】_________________
weigh the risks and make responsible choices in an ever more
sophisticated financial market? This is true even in countries where
consumers generally are familiar of financial instruments such as credit【S4】_________________
cards, mortgage loans and perhaps private saving to "top up" company
pension plans. It is all the more difficult in emerging economies whose
rapid development has given access to financial services to the large【S5】_________________
number of consumers, many of whom have only a limited experience
with formal financial systems. For emerging economies, financially
educated consumers can help ensure what the financial sector makes an【S6】_________________
effective contribution to real economic growth and poverty reduce. But【S7】_________________
financial literacy is also crucial for more developed economies, to help
ensure consumers save enough to provide an adequate income in
retirement while in avoiding high levels of debt that might result in【S8】_________________
bankruptcy and foreclosures.
    The information available on consumer financial literacy is worried【S9】_________________
for two reasons—not only do individuals generally lack an
adequate financial background or understanding to navigate today’s complex
market, but unfortunately they also generally believe that they are far
more financial literate than is really the case. This has become a cause【S10】________________
for increasing concern for governments.
【S2】
选项
答案employees—employers
解析 语义错误。or前后所表示的群体应该是具备某些共同特点的，且与前文提到的individual相对应，根据句意可知，这里是指政府或雇主，故将employees改为employers。
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