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  3. Of all the lessons taught by the financial crisis, the most personal has been that Americans aren’t so good at money-management.

Of all the lessons taught by the financial crisis, the most personal has been that Americans aren’t so good at money-management.

admin2015-11-11  17
问题     Of all the lessons taught by the financial crisis, the most personal has been that Americans aren’t so good at money-management. We take out home loans we can’t afford. We run up sky-high credit card debt. We don’t save nearly enough for retirement.
    In response, supporters of financial-literacy education are moving with renewed enthusiasm. School districts in states such as New Jersey and Illinois are adding money-management courses to their curriculums. The Treasury and Education departments are sending lesson plans to high schools and encouraging students to compete in the National Financial Capability Challenge that begins in March.
    Students with top scores on that exam will receive certificates — but chances for long-term benefits are slim. As it turns out, there is little evidence that traditional efforts to boost financial know-how help students make better decisions outside the classroom. Even as the financial-literacy movement has gained steam over the past decade, scores have been falling on tests that measure how well students learn about things such as budgeting, credit cards, insurance and investments. A recent survey of college students conducted for the Jump Start Coalition for Personal Financial Literacy found that students who’d had a personal-finance or money-management course in high school scored no better than those who hadn’t.
    " We need to figure out how to do this the right way," says Lewis Mandell, a professor at the University of Washington who after 15 years of studying financial-literacy programs has come to the conclusion that current methods don’t work. A growing number of researchers and educators agree that a more radical approach is needed. They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids’ hands and talking openly about the emotions and social influences tied to how we spend.
    Other initiatives are tackling such real-world issues as the commercial and social pressures that affect purchasing decisions. Why exactly do you want those expensive brand-name shoes so badly? "It takes confidence to take a stand and to think differently," says Jeroo Billimoria, founder of Aflatoun, a nonprofit whose curriculum, used in more than 30 countries, aims to help kids get a leg up in their financial lives. "This goes beyond money and savings. "
By saying that "the financial-literacy movement has gained steam"(Para. 3), the author means that the movement______ .
选项 A、has been regarded as imaginative
B、has received much criticism
C、has gone through financial difficulties
D、has been more and more popular
答案D
解析 推理题。该句出现的原句为：Even as the financial—literacy movement has gained steamover the past decade，scores have been falling on tests that measure how well students learnabout things such as budgeting，credit cards，insurance and investments，非常明显这是一个转折关系的句子，由even as引导让步状语从句，由此可知主句和从句必须是转折的语义关系。换言之，has gained steam与have been falling(成绩下降)应该是反义关系。四个选项中，只有D选项(越来越流行)与“成绩下降”能形成转折的语义关系。该词组的意思是“加速发展”。
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