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Text3Duringthepastgeneration,theAmericanmiddle-classfamilythatoncecouldcountonhardworkandfairplaytokeepitselffinanciallysecurehasbeentransformedbyeconomicriskandnewrealities.Nowapinkslip,abaddiagnosis.oradisappearingspousecanreduceafamilyfromsolidlymiddleclasstonewlypoorinafewmonths.Injustonegeneration,millionsofmothershavegonetowork,transformingbasicfamilyeconomics.Scholars,policymakers,andcriticsofallstripeshavedebatedthesocialimplicationsofthesechanges,butfewhavelookedatthesideeffectfamilyriskhasrisenaswell.Today'sfamilieshavebudgetedtothelimitsoftheirnewtwo-paycheckstatus.Asaresulttheyhavelosttheparachutetheyoncehadintimesoffinancialsetback-aback-upearner(usuallyMom)whocouldgointotheworkforceiftheprimaryearnergotlaidofforfellsick.This“added-workereffect”couldsupportthesafetynetofferedbyunemploymentinsuranceordisabilityinsurancetohelpfamiliesweatherbadtimes.Buttoday,adisruptiontofamilyfortunescannotlongerbemadeupwithextraincomefromanotherwise-stay-at-homepartner.Duringthesameperiod,familieshavebeenaskedtoabsorbmuchmoreriskintheirretirementincome.Steelworkers,airlineemployees,andnowthoseintheautoindustryarejoiningmillionsoffamilieswhomustworryaboutinterestrates,stockmarketfluctuation,andtheharshrealitythattheymayoutlivetheirretirementmoney.Formuchofthepastyear.PresidentBushcampaignedtomoveSocialSecuritytoasavings-accountmodel,withretireestradingmuchoralloftheirguaranteedpaymentsforpaymentsdependingoninvestmentreturns.Foryoungerfamilies,thepictureisnotanybetter.Boththeabsolutecostofhealthcareandtheshareofitbornebyfamilieshaverisen-andnewlyfashionablehealth-savingsplansarespreadingfromlegislativehallstoWal-Martworkers,withmuchhigherdeductiblesandalargenewdoesofinvestmentriskforfamilies‘futurehealthcare.Evendemographicsareworkingagainstthemiddleclassfamily,astheoddsofhavingaweakelderlyparent-andalltheattendantneedforphysicalandfinancialassistancehavejumpedeightfoldinjustonegeneration.Fromthemiddle-classfamilyperspective,muchofthis,understandably,looksfarlesslikeanopportunitytoexercisemorefinancialresponsibility,andagooddealmorelikeafrighteningaccelerationofthewholesaleshiftoffinancialriskontotheiralreadyoverburdenedshoulders.Thefinancialfallouthasbegun,andthepoliticalfalloutmaynotbefarbehind.[421words]31.Today'sdouble-incomefamiliesareatgreaterfinancialriskinthat[A]thesafetynettheyusedtoenjoyhasdisappeared.[B]theirchancesofbeinglaidoffhavegreatlyincreased.[C]theyaremorevulnerabletochangesinfamilyeconomics.[D]theyaredeprivedofunemploymentordisabilityinsurance.32.AsaresultofPresidentBush'sreform,retiredpeoplemayhave[A]ahighersenseofsecurity.[B]lesssecuredpayments.[C]lesschancetoinvest.[D]aguaranteedfuture.33.Accordinggotheauthor,health-savingsplanswill[A]helpreducethecostofhealthcare.[B]popularizeamongthemiddleclass.[C]compensateforthereducedpensions.[D]increasethefamiliesinvestmentrisk.34.Itcanbeinferredfromthelastparagraphthat[A]financialriskstendtooutweighpoliticalrisks.[B]themiddleclassmayfacegreaterpoliticalchallenges.[C]financialproblemsmaybringaboutpoliticalproblems.[D]financialresponsibilityisanindicatorofpoliticalstatus.35.Whichofthefollowingisthebesttitleforthistext?[A]TheMiddleClassontheAlert[B]TheMiddleClassontheCliff[C]TheMiddleClassinConflict[D]TheMiddleClassinRuinsText4Itneverrainsbutitpours.Justasbossesandboardshavefinallysortedouttheirworstaccountingandcompliancetroubles,andimprovedtheirfeeblecorporationgovernance,anewproblemthreatenstoearnthem-especiallyinAmerica-thesortofnastyheadlinesthatinevitablyleadtoheadsrollingintheexecutivesuite:datainsecurity.Left,untilnow,toodd,low-levelITstafftoputright,andseenasaconcernonlyofdata-richindustriessuchasbanking,telecomsandairtravel,informationprotectionisnowhighontheboss'sagendainbusinessesofeveryvariety.Severalmassiveleakagesofcustomerandemployeedatathisyear-fromorganizationsasdiverseasTimeWarner,theAmericandefensecontractorScienceApplicationsInternationalCorpandeventheUniversityofCalifornia.Berkeley-haveleftmanagershurriedlypeeringintotheirintricate11systemsandbusinessprocessesinsearchofpotentialvulnerabilities.“Dataisbecominganassetwhichneedsnobeguardedasmuchasanyotherasset.”saysIamMendelsonofStanfordUniversity'sbusinessschool“Theabilityguardcustomerdataisthekeytomarketvalue,whichtheboardisresponsibleforonbehalfofshareholders”Indeed,justasthereistheconceptofGenerallyAcceptedAccountingPrinciples(GAAP).perhapsitistimeforGASP.GenerallyAcceptedSecurityPractices,suggestedEliNoamofNewYork'sColumbiaBusinessSchool.“Settingtheproperinvestmentlevelforsecurity,redundancy,andrecoveryisamanagementissue,notatechnicalone.”hesays.Themysteryisthatthisshouldcomeasasurprisetoanyboss.Surelyitshouldbeobvioustothedimmestexccutivethattrust,thatmostvaluableofeconomicassets,iseasilydestroyedandhugelyexpensivetorestore-andthatfewthingsaremorelikelytodestroytrustthanacompanylettingsensitivepersonaldatagetintothewronghands.Thecurrentstateofaffairsmayhavebeenencouraged-thoughnotjustified-bythelackoflegalpenalty(inAmerica,butnotEurope)fordataleakage.UntilCaliforniarecentlypassedalaw.Americanfirmsdidnothavetotellanyone,eventhevictim,whendatawentastray,Ihatmaychangefastlotsofproposeddata-securitylegislationnowdoingtheroundsinWashington.D.C.Meanwhile.thetheftofinformationaboutsome40millioncredit-cardaccountsinAmerica,disclosedonJune17th.overshadowedahugelyimportantdecisionadayearlierbyAmerica'sFederalTradeCommission(FTC)thatputscorporateAmericaonnoticethatregulatorswillactiffirmsfailtoprovideadequatedatasecurity.[416words]36.Thestatement:“Itneverrainsbutitpours”isusedtointroduce[A]thefiercebusinesscompetition.[B]thefeebleboss-boardrelations[C]thethreatfromnewsreports.[D]theseverityofdataleakage.37.AccordingtoParagraph2,someorganizationschecktheirsystemstofindout[A]whetherthereisanyweakpoint.[B]whatsortofdatahasbeenstolen.[C]whoisresponsiblefortheleakage.[D]howthepotentialspiescanbelocated.38.InbringinguptheconceptofGASPtheauthorismakingthepointthat[A]shareholdersinterestsshouldbeproperlyattendedto.[B]informationprotectionshouldbegivendueattention.[C]businessesshouldenhancetheirlevelofaccountingsecurity.[D]themarketvalueofcustomerdatashouldbeemphasized.39.AccordingtoParagraph4,whatpuzzlestheauthoristhatsomebossesfailto[A]seethelinkbetweentrustanddataprotection.[B]perceivethesensitivityofpersonaldata.[C]realizethehighcostofdatarestoration.[D]appreciatetheeconomicvalueoftrust.40.ItcanbeinferredfromParagraph5that[A]dataleakageismoresevereinEurope.[B]FTC'sdecisionisessentialtodatasecurity.[C]Californiatakestheleadinsecuritylegislation.[D]legalpenaltyisamajorSolomontodataleakage.PartBDirections:Youaregoingtoreadalistofheadingsandatextaboutwhatparentsaresupposedtodotoguidetheirchildrenintoadulthood.ChooseaheadingfromthelistA——Gthatbestfitsthemeaningofeachnumberedpartofthetext(41——45)。Thefirstandlastparagraphsofthetextarenotnumbered.Therearetwoextraheadingsthatyoudonotneedtouse.MarkyouranswersonANSWERSHEET1.(10points)A.SetaGoodExampleforYourKidsB.BuildYourKid'sWorkSkillsC.PlaceTimeLimitsonLeisureActivitiesD.TalkabouttheFutureonaRegularBasisE.HelpKidsDevelopCopingStrategiesF.HelpYourKidsFigureOutWhoTheyAreG.BuildYourKidsSenseofResponsibilityHowCanaParentHelp?Mothersandfatherscandoalottoensureasafelandinginearlyadulthoodfortheirkids.Evenifajob'sstartingsalaryseemstoosmalltosatisfyanemergingadult'sneedforrapidcontent,thetransitionfromschooltoworkcanbelessofasetbackifthestart-upadultisreadyforthemove.Hereareafewmeasures,drawnfrommybookReadyorNot,HereLifeComes,thatparentscantaketopreventwhatIcall“work-lifeunreadness”。41.Youcanstartthisprocesswhentheyare11or12.Periodicallyreviewtheiremergingstrengthsandweaknesseswiththemandworktogetheronanyshortcomings,likedifficultyincommunicatingwellorcollaborating.Also,identifythekindsofintereststheykeepcomingbackto,astheseoffercluestothecareersthatwillfitthembest.42.Kidsneedarangeofauthenticrolemodels-asopposedtomembersoftheirclique,popstarsandvauntedathletes.Haveregulardinner-tablediscussionsaboutpeoplethefamilyknowsandhowtheygotwheretheyare.Discussthejoys
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