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  3. The potential economic benefits of financial literacy extend beyond government budgets. More in formed consumers--not just inves

The potential economic benefits of financial literacy extend beyond government budgets. More in formed consumers--not just inves

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问题      The potential economic benefits of financial literacy extend beyond government budgets. More in formed consumers--not just investors--would increase the efficiency of markets and help keep dishonest sellers at bay. If financial illiteracy leads to greater debt, then increased consumption today will be at the expense of less later, as interest payments weigh on household budgets.
      Once people make financial decisions, they tend to stick to them even if a change might make more sense. Watson Wyatt, a consultancy, says that about half of Britons in defined-contribution pension: plans (in which retirement benefits depend on investments’ performance) never change the allocation of assets. One-third have not even reviewed them for several years. There is evidence that such inertia is a feature of other financial markets, including the one for mortgages.
      America has had a variety of financial-education programmes for some time, generally relying on the private sector. Most large companies and many smaller ones put on investment seminars for their employees, run by outside experts. Many of those who attend these seminars later increase their saving for retirement.
     However, there is a fine line between education and advice. Although education and sales are meant to be strictly separated, many of those giving the seminars work for firms that sell financial products. Some employers have been hesitant to sponsor financial seminars for fear of being sued, notes Lynn Dudley of the American Benefits Council, a lobby group. Two bills now before Congress at tempt to deal with this question. Meanwhile, a growing number of pension schemes offer "lifestyle" or "life-cycle" funds.
      Despite all the activity, experts caution against putting too much faith in financial education. "This is not the silver bullet that some people think it is, "says Ms. Smith. No campaign can hope to reach everyone. In addition, although those with more knowledge of finance tend to save more and make higher returns on their long-term investments, the strength of the effect is not clear.
     Annamaria Lusardi ,an economist at Dartmouth College, and Olivia Mitchell .of the University of Pennsylvania’s Wharton School, have found that few employees attend financial seminars even when they are offered in the workplace. Skepticism about hidden sales pitches and slanted advice abounds, particularly in the waive of recent mutual-fund scandals. "Workers are entitled to believe this is not an objective voice, "says Ms. Lusardi. Many who attend do not absorb what they hear, for want of under standing or interest.
We can infer that once financial decisions are made, people
选项 A、should make a change when it is necessary.
B、must stick to these decisions for several years.
C、should consult experts often.
D、should be aware of the feature of other financial markets.
答案A
解析 根据文章第二段可知人们一旦做了理财方面的决定，就很少再改变，即便有时改变是合理的。接下来作者举出了养老金和抵押的两个例子，来说明人们一旦决断，就很少再关注这件事。从这些我们可以推断出，人们即便做了财政方面的决定，但需要时也是可以做一些改变、调整的。B与文意相反。C、D文章未提及。
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