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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【S2】______
for their children. So how can individual workers or parents
expected to weigh the risks and make responsible choices in an ever【S3】______
more sophisticated financial market? This is true even in countries
where consumers generally are familiar of finance instruments such【S4】______
as credit 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 number of consumers, many of whom have only【S5】______
a limited experience with formal financial systems. For emerging
economies, financially educated consumers can help ensure what the【S6】______
financial sector makes an effective contribution to real economic
growth and poverty reduce. But financial literacy is also crucial for【S7】______
more developed economies, to help ensure consumers save enough
to provide an adequate income in retirement while in avoiding high【S8】______
levels of debt that might result in bankruptcy and foreclosures.
    The information available on consumer financial literacy is
worried for two reasons—not only do individuals generally lack an【S9】______
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【S10】______
become a cause for increasing concern for governments.
【S3】
选项
答案∧expected—be
解析  be动词缺失。由上文可推知，individual workers or parents和expect之间为动宾关系，因此应使用被动语态。句中出现了情态动词can，所以应在expected前添加be动词。be expected todo…的意思是“应该……”。
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