From the middle-class family perspective， much of this， understandably， looks far less like an opportunity to exercise more financial responsibility， and a good deal more like a frightening acceleration of the wholesale shift of financial risk onto their already overburdened shoulders. The financial fallout has begun， and the political fallout may not be far behind.
　　 [421 words]

　　 31. Today's double-income families are at greater financial risk in that
　　 [A] the safety net they used to enjoy has disappeared.
　　 [B] their chances of being laid off have greatly increased.
　　 [C] they are more vulnerable to changes in family economics.
　　 [D] they are deprived of unemployment or disability insurance.

　　 32. As a result of President Bush's reform， retired people may have
　　 [A] a higher sense of security.
　　 [B] less secured payments.
　　 [C] less chance to invest.
　　 [D] a guaranteed future.

　　 33. According go the author， health-savings plans will
　　 [A] help reduce the cost of healthcare.
　　 [B] popularize among the middle class.
　　 [C] compensate for the reduced pensions.
　　 [D] increase the families investment risk.

　　 34. It can be inferred from the last paragraph that
　　 [A] financial risks tend to outweigh political risks.
　　 [B] the middle class may face greater political challenges.
　　 [C] financial problems may bring about political problems.
　　 [D] financial responsibility is an indicator of political status.

　　 35. Which of the following is the best title for this text？
　　 [A] The Middle Class on the Alert
　　 [B] The Middle Class on the Cliff
　　 [C] The Middle Class in Conflict
　　 [D] The Middle Class in Ruins

Text 4
　　 It never rains but it pours. Just as bosses and boards have finally sorted out their worst accounting and compliance troubles， and improved their feeble corporation go

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