新標準大學英語四UNIT4

Thecreditcardtrap1Ihaveaconfession.Severalyearsago,Iwasstandinginaqueuetocollectsometheatreticketsformyfamily,andmyfriendwasdoingthesameforhers.Igotmine,andpaidforthembycreditcard,feelingcontentedbytheconvenienceofthiscash-freetransaction.Itwasthenherturntopay.Thewholeoperationpassedassmoothlyasmine,butmydelightsoonturnedtoabjectshame.Mycreditcardwasafairlypathetic,status-freedarkblue,whereasherswasaveryexclusivegoldone.Text2

Howdidshedothis?Howcouldthisbe?Iknew

Iearnedmorethanher,mycarwasnewer,andmy

housewassmarter.Howdidshegettoappearmore

flashthanme?3

Now,Ihadajobwhichwasassteadyasanyjob

wasinthosedays–that'stosay,notvery,butyou

know,nocomplaints.Ihadamortgageonmyhouse,

butthenwhodidn't?Ipaidoffallmycreditdebtatthe

endofthemonth,soalthoughtechnically,Iwasindebt

tothecreditcardcompany,itwasonlyforamatterof

afewweeks.SoIassumedIhadagoodcreditrating.Text4

Callmesuperficial,andI'mnotproudof

myself,but

thereandthen,Iwassuddenlyjealousofmyfriend.I

decidedInolongerwantedabluecard.Iwantedagold

one.Agoldcardwassuddenlyindispensable,itwould

makemefeelgoodwithmyself,anddesirableto

others.5

SoIappliedforthemostdistinctive,shinygolden

cardthecompanyoffered.6

Iwasturneddown.Text7WhenIhadrecoveredfromtheshock,whichtookseveralseconds,Iaskedwhy.ItappearsthatbecauseIpaymycreditcardbillbothontimeandinfull,I'mnotthekindofpersonthattheywanttohavetheirgoldcreditcard.Theytargetpeoplewhoarepronetoimpulse-buying,andpotentiallybadcreditrisks,temptedtospendmorethantheyhave,andliabletofallbehindwithrepayments.Thentheycanchargethemmoreinterest,andearnmoremoney.That'sthewaytheydobusiness.Text8Sodoesthisexplainwhythecreditcardcompaniesareluring

impoverishedstudentswithunrealisticinterestrates,likemykids?9Threeweeksago,No.2daughtercamehomefromuniversityfortheweekend.She'sinhersecondtermofherfirstyear.Shehasastudentloanof￡3,000,likemostofherfriends,andasmallallowancefromherpoormother(ha!)fortransport,books,livingexpenses.

Shewearsclothesfromthelocalcharityshops,andrarelygoesout.Shehuggedme(neverusuallydoesthat)andthensaid,"Mum,Ineedtotalktoyou."Text10"Whatisit,darling?Tellmeeverything."11

"I'veappliedforacreditcard,andIneedsomeonetoactasaguaranteeforme.IsitOKifIputdownyourname?Thankssomuch,Mum,mustdash!Bye."

Text12

AfterI'dhauledherbackintothehouse,ittranspiredthatherbankhadwrittentoherofferingacreditcardatalowinterestforatrialthree-monthperiod,subjectto

suitability...andsoon.Herbank!Itrustedthem!TheyknowevenbetterthanIdohowbrokesheis.13Here'saseriousquestion.Whydotheycallthemcreditcardswhenitwouldbemoreaccuratetocallthemdebtcards?Text14

Here'sanevenmoreseriousstory.Anotherfriend's

daughter,Kelly,wasstudyingmodernlanguagesat

university,andspentayearoverseas.Atsomepointin

theyear,therewasachangeofprocedure,andKelly's

bankfailedtoallowhertoaccessherfundsinher

currentaccount,becausetherequestwasfromoutside

theUK.Naturally,therewasalengthycorrespondence

whileshetriedtosortthisout,sothedelayinbeing

abletoaccessherfundsmeantthatshewentintothe

red,andherdebtsbegantorisemorethan￡200above

theagreedlimitonheroverdraftof￡1,500.Text15

WhenKellygotbackhome,thebankchargedher

￡100forgoingoverthelimit,andinsistedshepaid￡30

amonthtobringthebalancebacktobelowherlimit.

Theyomittedtotellherthatshewasn'tactuallypaying

offthedebt,butonlytheexorbitantinterestonthe

overspendoftheoverdraft.16

SoKellyhadtoturntohercreditcardwhichshehad

usedsensiblyandsparinglyuntilthatpoint.Because

shewasastudent,andbecauseshedidn'tuseitmuch,

naturallyhercreditlimitwaslow.Text17

Andnotsurprisingly,

she

couldn't

pay

off

even

the

minimum

paymentonher

credit

card

bill.

So

there

were

not

onlybankTextchargesowing,butalsocreditcarddebtsandinterest.

Andofcourse,shewasrecordedasbeingabadcredit

risk.18

Thingsthenwentfrombadtoworse.Afewmonthsintoherfinalyear,thebanknotifiedherthatitwasgoingtoreduceheroverdraftfrom￡1,500to￡1,000.Theytoldhertoapplyforastudentloantocovertherest.Butwhentheloancompanydidacreditcheck,theydiscoveredthecarddebt.19

Guesswhat?Shedidn'tgettheloan.Text20

Thiswasadelightfulkidwhohadgreatrestraintwithherspendingandwaseconomicalaboutherlifestyle.Shedidn'tgoonspendingspreesbuyingnewshoes,andshedidn'tusehercreditcardasif(unlikeme)itwasafashionitem.Sheusedittobuyfood,tosurvive.21

Andwhathappened?Shehadtodropoutof

university.Text22

IwishtherewasahappyendingtoKelly'sstory,althoughmaybetherewillbe.Forthemoment,she'sworkinginthelocalsupermarket,andit'sprobablethatshe'llhaveanothergoatuniversitywhenshehaspaidoffherdebts.23

Sothisiswhatthebanksdo.Theysettrapswhich

appealtoourvanityandgreedandsometimestoour

basicneedforsurvival.Andthenwhenwefallintothe

traptheyshout"Gotyou!Didn'tyourealizeitwasa

trap?"Text24

Andherewearetoday,caughtinthecredit

crunch,withworldeconomiesinfreefall,allbecausethewicked

bankerssetustrapswhichwefellinto,attractinguswithendlesspublicityforloansofmoneywhicheventheydidn'thave!Itnowappearstheywereborrowingontheirownflashygoldcreditcardstoo.25

SoIhaveasolutiontothecreditcardtrap,andI

wantallofyoutolistentomeverycarefully.Text26

Iwantyouto

layout

allofyourcreditcardsinaline,takealargepairofscissorsandcutthemintosmallpieces.Thenputtheminanenvelopeandsendthemtoyourbank,withalettersaying(moreorless)"Itrustedyouandyoudeceivedme.You'vegotthewholeworldintothisridiculouscreditcardtrap,andifInowcutyourcardsinhalf,andtakeawayyourpotentialtotemptmoneyawayfromhonestpeoplelikeme,maybeitwillbeyourturntolearnwhatit'sliketorunoutofcash."Text27

Asforme,Idon'twantanymorecreditcards,nomorestatussymbols,nomorebadfeelingsaboutwishingIcouldshowhowsuperiorIamtoothers.I'mnotgoingtoyearnanymoreforwhatIcannotaffordorcannothave.Text信用卡陷阱1有一件事我得坦白。幾年前，我排隊為家人取戲票時，我的朋友也在為她的家人取票。我拿到了票，用信用卡付了賬，對這種非現(xiàn)金交易的便利感到很滿意。然后就輪到她付款了，整個交易也進行得同樣順利，但我的高興勁兒很快就變成了莫大的羞恥：我的信用卡太寒酸了，是不顯示身份地位的深藍色卡，而她的信用卡則是高級的金卡。Text2她是怎樣弄到金卡的？怎么會這樣呢？我知道我掙得比她多，我的車比她的車新，我的家比她的家漂亮，她怎么看起來顯得比我光鮮呢？3

我有一份跟那時候任何工作相比還算安定的工作——雖然不是非常安定，不過我也沒什么可抱怨的。我是通過按揭貸款買的房子，可那會兒誰買房不貸款呢？我每個月底都付清信用卡欠款。所以，雖然從技術上講，我欠過信用卡公司的錢，但只是欠幾個星期而已。所以我認為我的信用等級應該很高。Text4你可以說我膚淺，而我也并不感到自豪。但就在當時當?shù)?，我突然非常嫉妒那位朋友，我決定不要藍色信用卡了，我要一張金卡。金卡突然變得不可或缺，它會讓我自我感覺良好，會讓別人覺得我更有魅力。5

于是，我去信用卡公司申請最特別、最耀眼的金卡。6

可是，我的申請被拒絕了。Text7過了幾秒鐘，我才從這個打擊中回過神來，我問自己為什么被拒絕。顯然，因為我每次都按時全額付清信用卡欠款，所以我不是他們想要的那種金卡客戶。他們的目標客戶是那些隨時有購物刷卡的沖動、有潛在信用風險、經不住誘惑超支消費、并且經常延期還款的人。這樣他們才有機會收取更多的利息，掙更多的錢，這就是他們的經營之道。Text8這能夠解釋為什么信用卡公司會用超低利率誘惑像我們家孩子那樣的窮大學生嗎?9三個星期前，我的二女兒回家過周末。她在讀大一第二學期。和她的大多數(shù)朋友一樣，她借了3,000英鎊的學生貸款，并從她可憐的媽媽（哈！）那里得到一小筆補貼，用于支付交通費、書費和生活費用。她穿的衣服是從當?shù)氐拇壬粕痰曩I來的，并且她平時也很少出門。她擁抱了我(她以前從不擁抱我)，然后說：“媽媽，我有事要跟您商量?！盩ext10“親愛的，什么事?。慷颊f出來讓我聽聽。”11“我申請了一張信用卡，需要保證人，我可以填您的名字嗎?非常感謝，媽媽，我得趕快走啦，再見。”Text12我費了好大勁兒才把她從外面拽了回來。原來她的銀行來信告訴她說：她可以申請一張試用期為三個月的、能夠低息貸款的信用卡，只要滿足要求……如此云云。她的銀行！我才不相信他們！他們甚至比我更清楚，我的女兒一貧如洗。13這里存在一個嚴重的問題：準確地說這種卡應該叫債務卡，他們?yōu)槭裁匆Q其為信用卡呢？Text14還有一個更為嚴肅的故事。我一個朋友的女兒凱麗在大學攻讀現(xiàn)代語言，其中一年在國外留學。在留學那一年的某段時間，由于程序上的變動，凱麗的銀行限制她在除英國之外的其他國家支取現(xiàn)金賬戶的資金。通過書信同銀行交涉的時間相當長，而未能及時支取賬戶資金使她欠了銀行的債，欠款額超過了透支額度（1,500英鎊）200多英鎊。Text15凱麗回國后，銀行因為她超支扣了她100英鎊，并堅持要她每月支付30英鎊，以使她的支出能重新控制在透支額度之內。但銀行沒有告訴她，每月支付的30英鎊并不是用來償清欠款，而只是支付超額透支的巨額利息。16因此凱麗不得不求助于信用卡。在此之前她在用信用卡時一直非常小心謹慎，并且也很少用信用卡。由于她是學生，又很少用信用卡，她的信用額度自然就比較低。Text17毫不奇怪，她甚至無法償還信用卡賬單的最小還款額。所以她不僅欠銀行手續(xù)費，而且還欠信用卡的賬款及利息。當然，她因此被銀行登記為信用風險高的人。Text18事情越來越糟。大學最后一年剛過幾個月，銀行就通知她：她的透支額度由1,500英鎊減少到1,000英鎊。他們讓她申請學生貸款來填補缺口?？墒?，貸款公司檢查她的銀行信用時發(fā)現(xiàn)了她的信用卡欠款。19猜猜結果如何？她沒有申請到學生貸款。Text20凱麗是個討人喜歡的孩子，消費節(jié)制有度，生活節(jié)儉。她并沒有瘋狂刷卡買鞋子，也沒有把信用卡當成時髦玩意兒（不像我），她只是用信用卡買食物等生活必需品。21結果怎樣呢？她不得不退學。Text22我希望凱麗的故事會有個好的結局，也許會有好結局的?，F(xiàn)在，她在當?shù)氐囊患页泄ぷ?，等她還清債務后可能會繼續(xù)完成大學學業(yè)。23這就是銀行的所作所為。他們常常利用我們的虛榮和貪婪，有時也利用我們生存的基本需求給我們設下陷阱。等我們掉進陷阱時，他們就會大喊：“抓住你啦！你當初沒想到這是個陷阱吧？”Text24這就是我們現(xiàn)在的處境。隨著世界經濟一落千丈，我們都處在信貸危機之中。所有這一切都是因為邪惡的銀行家通過大量廣告推銷他們壓根就不存在的貸款來吸引我們，給我們設圈套?，F(xiàn)在真相大白了：他們也在用自己手中金光閃閃的金卡借錢！25我有一個破解信用卡圈套的辦法，各位請仔細聽。Text26我要你們把所有的信用卡排成一排，拿一把大剪子把它們剪成碎片，然后把碎片裝進信封寄回給銀行，并附上一封信，上面（或多或少地）寫上：“我信任你，可你卻欺騙了我。你讓全世界的人都鉆進了這個荒謬的信用卡圈套。我把你的卡剪成了兩半，讓你再也不能像騙我這樣的老實人一樣去騙其他人的錢了，也許該讓你來體驗一下身無分文的滋味了?！盩ext27至于我，我再也不想要信用卡了，也不要身份的象征了，也不用費心思去炫耀我比別人優(yōu)越了。我再也不會奢望我買不起或我無法得到的東西了。TextWords&Phrasestransaction

abjectfairlypatheticexclusiveflashcomplaintriskpotentiallyproneshinydistinctivedesirableindispensablenaturallyoverseasbrokesuitabilitytranspirehugunrealisticcreditratingsuperficialjealousimpoverishedlureliableomitoverdraftcorrespondenceWords&Phrasesexorbitant

overspendsensiblysparinglynotifydelightfulrestraintflashypublicitybankerwickedcrunchgreedvanityeconomicalspreeprobableyearndeceiveWords&Phrasesinfullputdownittranspired(that)into/outoftheredomittodosth.gofrombadtoworselayouttransaction

n.[C]

(fml)theactionorprocessofbuyingorsellingsth.交易；買賣e.g.1.Thesecurityofelectroniccommerceconsistsofnetworksecurityandbusinesstransactionsecurity.電子商務安全包括網(wǎng)絡安全和商務交易安全。2.Wehavefinallyconcludedthetransactionthroughnegotiation.經過談判，我們終于達成了這筆交易。3.Buyingahouseisanimportanttransactionformostpeople.買房子對大多數(shù)人來講都是件重要的事。Words&Phrasesabject

a.(fml)complete:usedforemphasizinghowbad,unpleasant,orsevereasituationorconditionis

完全的（用于強調非常糟糕、不愉快或嚴峻的形勢或條件）e.g.1.Inaslum,peopleliveinabjectpoverty.在貧民區(qū)，人們生活在赤貧之中。2.Thispolicyhasturnedouttobeanabjectfailure.這一政策最后以慘敗而告終。3.Hisletterplungedherintoabjectmisery.他的信使她陷入極度痛苦之中。Words&Phrasesfairly

ad.1)toquiteahighdegree;toanacceptableextent

相當，很；還算e.g.1.Sheseemedfairlyphilosophicalabouttheloss.她對所受損失似乎還算看得開。2.She’sfairlyresponsivetonewideas.她相當愿意接受新觀念。3.Iwasfairlycertainshehadnothingtodowiththeaffair.我相當肯定她與此事無關。2)honestly;withjustice

公平地；公正地e.g.Ithinkhewasquitefairlytreatedbythepolice.我認為警察對他非常公正。Words&Phrasespathetic

a.1)uselessornoteffectiveinanannoyingway

差勁的；沒用的；令人生厭的e.g.Moneyandfineclothescouldnotmendthesedefectsorcoverthemup;theyonlymadethemthemoreglaringandthemorepathetic.金錢和漂亮衣服都不能彌補這些缺點，也不能把它們掩飾起來；反而使這些缺點更刺眼、更討厭。2)ifsomeoneorsth.looksorsoundspathetic,youfeelsympathyforthem

可憐的；令人同情的e.g.Itwaspathetictowatchherconditiondeterioratedaybyday.看著她的健康狀況日益惡化，真是可憐。Words&Phrasesexclusive

a.1)veryexpensive,andthereforeavailableonlytopeoplewhohavealotofmoney

高檔的；奢華的e.g.1.Thetennisclubhasanexclusivemembership.這家網(wǎng)球俱樂部的成員都是些有錢人。2.BelAirisanexclusivesuburbofLosAngeles.貝萊爾是洛杉磯郊外一處高級住宅區(qū)。2)limitedtoaparticularperson,thing,orgroupandnotsharedwithothers

專用的；獨有的e.g.ThisbathroomisforthePresident'sexclusiveuse.這浴室是總統(tǒng)專用的。Words&Phrases3)publishedorreportedbyonlyonenewspaper,magazine,televisionstationetc

（報紙或雜志的）獨家報道的，獨家專文的e.g.1.ThereporterhadanexclusiveinterviewwiththeNobelprizewinner.那位記者獨家采訪了那位諾貝爾獎得主。2.ThestoryisexclusivetoWashingtonPost.《華盛頓郵報》獨家報導了這個故事。Words&Phrasesflash

a.(infml)ifsomeoneisflash,theyownexpensivethingsinordertoshowhowmuchmoneytheyhave

奢華的，炫耀的，顯擺的（通常表示不喜歡這樣的人）e.g.1.Hehasabigflashcarathisdisposal.他有一輛闊氣的大車子供他使用。2.Chrisdidn'twanttoseemflashinfrontofhismates.克里斯不想在他的同伴面前顯得是在擺闊。Seealso:flashy.Words&Phrasescomplaint

n.1)[C]awrittenorspokenstatementinwhichsomeonesaystheyarenotsatisfiedwithsth.

訴苦的話；怨言；牢騷e.g.1.Shelodgedacomplaintagainstthewaiterabouthispoorservicewiththerestaurantmanager.她向餐廳經理投訴這名服務員的惡劣服務。2.Ihaveno

complaints

aboutthequalityofhiswork,butIdon'tenjoyhiscompany.

我并不是抱怨他的工作質量，而是不喜歡和他一起工作。Words&Phrases2)[U]theactof

complaining

投訴；意見e.g.1.Whatarethegroundsforcomplaint?你提的意見有什么證據(jù)？2.Weacceptyourjustifiedcomplaintforimproperpackingandagreetoreplacethedamagedpieces.我們接受你方關于包裝不善的正當投訴，并同意調換損壞的貨物。3.Hewhomakesconstantcomplaintgetslittlecompassion.

[諺]經常訴苦，少人同情。Wordfamily:complain

v.Words&Phrasescreditrating

n.[C]financialinformationaboutsomeonethatabankorshopusesfordecidingwhethertolendthemmoneyortogivethemcredit

信用評價；信用等級e.g.1.Ifyourcreditratingispoorthelendermayrefuseyoucredit.如果你的信用等級不佳，貸方就可能拒絕你的貸款申請。2.Itisveryimportanttosetuptheindividualcreditratingsystem.建立個人信用體系非常重要。Words&Phrasessuperficial

a.1)shallow,lacking

substance

（思想）淺薄的，缺乏深度的e.g.1.Herspeechwassuperficialandfullofgeneralities.她的發(fā)言既膚淺又空泛。2.Thesearesuperficialpolicychangesthathelpnoone.

這些政策上的變化太膚淺，幫助不了任何人。2)affectingorinvolvingonlythesurfaceoroutsidepartofsth.表面的，表皮的e.g.Sunburnisaninflammationofthesuperficiallayersoftheskin.曬傷是皮膚表皮的一種炎癥。Words&Phrasesjealousa.(~of)unhappybecausesomeonehassth.thatyouwouldlikeorcandosth.thatyouwouldliketodo

妒忌的；妒羨的e.g.1.Theyareinherentlyjealousandsuspicious.他們與生俱來地善妒和多疑。2.Beingonguardagainstthosewhoarejealousofyoursuccess.要提防那些嫉妒你成功的人。Wordfamily:jealousy

n.Words&Phrasesindispensable

a.difficultorimpossibletoexistwithoutortodosth.without

不可缺少的；必不可少的e.g.1.Fertilesoilisindispensableforagriculture.肥沃土壤對農業(yè)而言是不可或缺的。2.Manypeoplefindcoffeeinthemorningindispensable.好多人覺得早晨喝一杯咖啡是不可缺少的。Wordfamily:indispensabilityn.Words&PhrasesChoosethebestanswer.IntheChinesehousehold,grandparentsandotherrelativesplay____rolesinraisingchildren.(CET4-2002-01)A)incapable B)indispensableC)insensible D)infiniteWords&PhrasesBdesirable

a.sth.thatisdesirablehasqualitiesthatmakeyouwantit

令人向往的；吸引人的e.g.1.Thehousehasadesirablelocationwithaviewofthelake.那所房子的地點讓人神往，有一片湖景。2.Nothingcouldbemoredesirablethanforthembothtogetjobsinthiscity.要是他倆都能在這座城市找到工作，那就再好不過了。Wordfamily:desirev.

desirabilityn.

Words&Phrasesdistinctive

a.characteristicofonepersonorthing,andsoservingtodistinguishitfromothers

與眾不同的；特殊的；特別的；有特色的e.g.1.Thepackagingshouldbemodernanddistinctive.其包裝應該是現(xiàn)代的、獨特的。2.Saturnisknownforitsdistinctiverings.土星以其與眾不同的光環(huán)而出名。Wordfamily:distinctivelyad.Cf.

Distincthandwritingisclearwriting;distinctivehandwritingiswritingyoudon'tconfusewithsomeoneelse's.Words&PhrasesCf.

distinct

a.clearlydifferentorbelongingtoadifferenttype

明顯不同的，截然不同的，不同種類的Fillintheblankswithdistinctive,distinctivelyordistinct.

1.Fund-raisingisa___________Americanthing,sinceU.S.schoolsrelyheavilyondonations.(CET4-2009-12)籌募資金的活動是美國的獨特事物，因為美國的學校主要依賴于捐款運營。2.Silkis________fromrayonineveryrespect.真絲在各個方面都跟人造絲截然不同。3.Hehasa__________appearance,youcanrecognizehimeasily.他的外貌有顯著的特征，你能輕易地認出他。Words&Phrasesdistinctivelydistinctdistinctiveshiny

a.sth.thatisshinyhasabrightsurfacethatreflectslight

（表面）發(fā)亮的，閃光的e.g.1.Whatshinyshoesyou'rewearing!

你穿的鞋子可真亮啊！2.Thecastlelookedshinyandbeautifulunderthefireworks.在焰火中城堡顯得既閃耀又美麗。Wordfamily:shinev.

Words&Phrasesprone

a.(~to)likelytodosth.orbeaffectedbysth.,especiallysth.bad

有……傾向的；可能受……影響的e.g.1.Somepeoplearepronetohastyconclusions.有些人往往作出輕率的結論。2.Peoplearemorepronetomakemistakeswhentheyaretired.人們疲勞時更容易出差錯。3.Heispronetolosehistemperwhenpeopledisagreewithhim.

人家一不同意他的意見，他就發(fā)脾氣。

Words&Phrasespotentially

ad.possiblytrueinthefuture,butnottruenow

可能地；潛在地e.g.1.Potentiallyhigherwagesmayworseninflationarypressure.高薪水有可能會加劇通貨膨脹的壓力。2.Navajoremainedpotentiallyvaluableascodeevenafterthewar.戰(zhàn)后，納瓦霍語在加密方面仍有潛在價值。3.Aretheypotentiallyharmfultotheconsumeroftheplant?

它們對該植物的食用者是否有潛在的危害？Words&Phrasesrisk

n.[C]apersonorcompanyconsideredaccordingtohowsafeitistolendthemmoneyorgivetheminsuranceorcredit

貸款對象；保險對象e.g.1.Driversunder21areregardedaspoorrisksbyinsurancecompanies.不滿21歲的駕駛者被保險公司認為是高風險的保險對象。2.Lenderslookatyourscoretoquicklydecideifyouareagoodorbadrisktolendcreditto.貸方根據(jù)你的分數(shù)來判斷為你提供貸款的風險是高或低。Words&Phrasesliable

a.(~todosth.)

likelytodosth.badorunpleasant

易出問題的e.g.1.Yourstatementisliabletocausemisunderstanding.你的話容易引起誤會。2.Inadepressionbanksareliabletofail.在經濟蕭條期間，銀行很可能倒閉。Choosethebestanswer.Itissaidthatthemathteacherseems___towardsbrightstudents.(CET4-2000-06)A)partial B)beneficialC)preferable D)liableWords&PhrasesAlure

vt.&n.1)vt.persuadesomeonetodosth.bymakingitlookveryattractive

引誘；誘惑e.g.U.S.biologistshopetolurewaywardwhalesbacktoPacificOcean.美國生物學家希望誘導迷路鯨群回到太平洋。2)n.[C]sth.thatattractssomeonetoasituationthattheymaywishtheyhadavoided

誘惑；誘惑物e.g.Helefthomebecauseoftheluresofthelifeinthecity.由于受到城市生活的誘惑，他離開了家。Words&Phrasesimpoverished

a.animpoverishedpersonorplaceisverypoor

貧困的；赤貧的e.g.1.Theimpoverishedfamilysubsistedoncharity.

那個貧窮的家庭靠救濟金過日子。

2.Moneyandfoodweresenttotheimpoverisheddroughtvictims.人們給干旱中貧困的災民送去了救濟金和糧食。Wordfamily:

impoverish

vt.

Words&Phrasesunrealistic

a.basedonhopesorwishes,andnotonwhatislikelyorpossible

不現(xiàn)實的；不可能的e.g.1.Wenevercherishanyunrealisticfanciesaboutthosedesperatecriminals.我們對那些亡命的罪犯從來不抱任何不切實際的幻想。2.TheythinktheBarbieDollportrayswomeninanunrealisticandunhealthyway.他們認為芭比娃娃以既不真實、又不健康的方式來詮釋女性。Antonym:

realisticWords&Phraseshug

v.&n.1)v.putyourarmsroundsomeonetoshowyourloveorfriendship

擁抱；緊抱（表示愛或友誼）e.g.Hehurriesdownthegangplanktohughiswaitingwife.他急忙走下跳板，去擁抱他那等待著的妻子。2)n.[C]theactionofputtingyourarmsaroundsomeoneandholdingthemtightlytoshowloveorfriendship

擁抱；緊抱（表示愛或友誼）e.g.Thetwofriendsgreetedeachotherwithbearhugs.兩個老朋友見面時互相熱烈擁抱。Words&Phrasestranspire

vi.(fml)happen

發(fā)生e.g.1.Nothingisknownasyetaboutwhattranspiredatthemeeting.會議上發(fā)生了什么還不得而知。2.Wedonotknowwhatmaytranspirewhenwehaveanewboss.當新老板來后，我們不知會有什么發(fā)生。Seealso:ittranspired(that).Words&Phrasessuitability

n.[U]thedegreetowhichsomeoneorsth.issuitableforaparticularjoborpurpose

適合；適宜；適當e.g.1.Hissuitabilityforthepostisopentoquestion.他是否適合這一職位還有待商榷。2.FieldevaluationoftwoselectedtechnologyoptionswasconductedtoconfirmtheirsuitabilityandreliabilityforapplicationinHongKong.對兩種選定的技術進行實地評估，以確定它們在香港應用是否適合和可靠。Wordfamily:

suitable

a.Words&Phrasesbroke

a.(infml)(be~)lackingfunds一文不名的；破產的e.g.1.Iwascleanbrokeinlessthantwodays.不到兩天，我身上的錢花得精光。2.Pollymustbeoutofhermindtomarrythatmanwhoisbroke.波莉一定是瘋了，才會跟那個一文不名的男人結婚。3.Thecompanywentbrokelastyear.

這家公司去年倒閉了。Words&Phrasesoverseas

ad.&a.1)ad.

toorinacountryacrossthesea

在國外；向海外e.g.1.Hespentquitealotoftimeworkingoverseas.他在海外工作了很長時間。2.Thefilmhasrocketedoverseas.這部電影迅速傳到了國外。2)a.happeningorexistinginacountryacrosstheseafromyourcountry（在）海外的；（在）國外的e.g.Weenjoyedtheoverseastravel.我們喜歡去國外旅行。Words&Phrasesnaturally

ad.1)asmostpeoplewouldexpectorunderstand

當然；自然地e.g.1.Thatquestionnaturallysuggesteditself.那個問題很自然地在腦中出現(xiàn)。2.Naturally,Ihopedforthebest.我當然希望最好的結果。2)inanormalortypicalmanner

自如地；不做作地e.g.Trytoactnaturallyinfrontofthecamera.

在鏡頭前盡量自然些。Wordfamily:

natural

a. naturen.Words&Phrasescorrespondence

n.[sing,U]

theprocessofwritingandreceivingletters

通信；通信聯(lián)系e.g.1.Ihavefallenbehindwithmycorrespondence.我有一些信件沒有及時作復。2.HisEnglishwastaughtbycorrespondence.他的英語是靠函授學習的。3.Sherefusedtoenterintocorrespondencewithhim.她拒絕跟他通信。Wordfamily:

correspond

v.Words&Phrasesoverdraft

n.[C]

anamountyourbankallowsyoutoborrowwhenyouhavenomoneyleftinyouraccount;adeficitinabankaccountcausedbydrawingmoremoneythantheaccountholds透支額；透支e.g.1.Youcanhavea$1000overdraftonthisaccount.這個帳戶可以透支1000美金。2.Itakeoutanoverdrafttopayformynewcar.我用透支的錢買新車。3.Anoverdraftresultedwhena$1000chequewasdrawnagainstonly$900intheaccount.當賬戶上只有900美元時你支取1000美元，那就造成了透支。Words&Phrasesomit

vt.failtoincludesomeoneorsth.,eitherdeliberatelyorbecauseyouforget

疏忽；省略；遺漏e.g.1.I'llnotwishtoomitthisvaluablebookfrommyreading.我可不愿漏看這本有價值的書。2.Everydutywhichweomitobscuressometruthwhichweshouldhaveknown.每個忽略的責任里都隱含著我們應該明白的一些真理。Wordfamily:omission

n.Seealso:omittodosth..Words&Phrasesexorbitant

a.anexorbitantpriceoramountofmoneyismuchmorethanisreasonable

（價格或金額）過高的，不合理的e.g.1.Thebiologistdecidedtotryoutthatexorbitantdevice.生物學家決定試用那套昂貴的設備。2.Thatseasidehotelchargesexorbitantpricesduringthesummerholidays.那家海濱旅館在夏天休假期間漫天要價。Wordfamily:

exorbitance

n.Words&Phrasesoverspend

n.&v.1)n.[sing]anextraamountthatyoushouldnothavespent

超支額e.g.AtthenextmeetingIintendtoaskthetreasurertoaccountpubliclyfortheoverspendonhisexpensesallowance.在下次會議上我想讓會計當眾解釋他津貼支出的超額部分。2)v.spendmoremoneythanyoushouldormorethanyouintendedto

（使）超支e.g.Theyareencouragedtooverspendandborrowmoney.有人鼓勵他們超支和借款。Words&Phrasessensibly

ad.inasensibleway

合理地；明智地sensiblea.reasonable,practical,andshowinggoodjudgment明智的，合理的，實際的e.g.1.There’salottobesaidforeatingsensibly.飲食合理的好處不勝枚舉。2.Theysensiblyinvestedtheirprizemoneyratherthanspendingit.他們明智地把獎金用于投資而不是花掉。3.Sometimesturningtailistheonlysensiblethingtodo.有時出逃是唯一明智之舉。Wordfamily:

sensibility

n.Words&Phrasessparingly

ad.insmallquantities

少量地e.g.1.Thisexpensivespicewasusedonlysparinglyincooking.這種價格不菲的調味品僅在烹調時少量地使用。2.Ilivednearayearuponthemoney,spendingverysparingly,andekingthingsouttotheutmost.

我就靠著這點錢，克勤克儉，七拼八湊地幾乎過了一年。

Wordfamily:

sparing

a.e.g.Wemustbesparingwithourresources.我們必須節(jié)約使用資源。Words&Phrasesnotify

rmsomeoneofficiallyaboutsth.通知；告知；報告e.g.1.Theywillnotifyherwhentoappearincourt.他們將通知她何時出庭。2.AnyinfectiousdiseasemustbenotifiedatoncetotheHealthMinistry.出現(xiàn)任何傳染性疾病都必須馬上通知衛(wèi)生部。Wordfamily:

notification

n.Words&Phrasesdelightful

a.verypleasantorattractive

令人愉快的；討人喜歡的；迷人的；漂亮的e.g.1.Thewindblewdelightfulodorsfromthepineforests.風從松林中吹來陣陣沁人的芳香。2.Peterplayedadelightfulmelodyonhisflute.彼得用笛子吹奏了一支歡快的曲子。3.Hewasamostdelightfulcompanion,fullofwitandhumour.

他是一個很惹人喜愛的伴侶，十分機智幽默。Wordfamily:

delight

n.Words&Phrasesrestraint

n.[U]thelimitorcontroloftheexpressionofstrongemotionoropinion

控制；抑制；克制e.g.1.Hisaffectionswerekeptundercontinualrestraint.他的感情一直受到壓抑。2.Hegavehimselfuptoevilwithoutrestraint.他胡作非為，肆無忌憚。self-restraint

n.[U]theabilitytostopyourselfdoingorsayingsomething,eventhoughyouwantto,becauseitismoresensiblenottodoorsayit自我克制，自我約束e.g.TheUNappealedforbothsidestoexerciseself-restraint.Words&Phrases聯(lián)合國呼吁雙方要自我克制。economical

a.notcostingorspendingmuchmoney

不浪費的；節(jié)約的e.g.1.Ihavetobuyamoreeconomicalstove.我得買一個更節(jié)省燃料的火爐。2.Theinventionofdieselenginesenabledtransportationtobecomemoreeconomical.柴油機的發(fā)明使交通運輸更經濟了。Cf.

economic

a.relatingtotrade,industry,andthemanagementofmoney

經濟上的Words&PhrasesFillinth