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Text 4 Short of money Need an instant loan Since the early 1990s your best bet has been to go to the low-rent end of town and find an appointed loan-shop. There you can borrow money in small amounts, generally not much more than $500, against your post-dated pay-cheque. You will be charged around $15 interest for every $100 you borrow--and that is per month. For many people, there is no alternative. Banks refuse to make small loans because there is no money in it, and completely unregulated lending, via the internet or loan sharks, is too alarming. According to the Community Financial Services Association, an advocacy group for the industry, most borrowers are responsible and pay off their loans in a timely manner. But some don’t. The Centre for Responsible Lending, a consumer group, says that many borrowers routinely roll over their loans. This quickly brings them into debt traps. A typical borrower may end up paying $793 for a $325 loan. The centre estimates that payday loans cost Americans $4.2 billion a year in interest and fees. The industry thrives, in large part, because it operates mostly outside state usury laws that prohibit excessive interest rates. Its spokesmen say lenders need such exemptions to make a profit on their basic service, small loans. Lenders say that their returns would amount to pennies on the dollar if interest rates were capped. In fact, they say, such restrictions would put them out of business. And that is exactly what many of their opponents would like to see--particularly when it comes to loans made to the families of soldiers. In one of the last acts of the Republican Congress, payday lenders were restricted to interest rates of 36% on loans to military personnel and their spouses. The Pentagon is worried that uniformed personnel, especially those serving in Iraq, have been losing their security clearances because of excessive debt at home. This, among other things, was leading to the costly reassignment of highly trained troops, such as communications experts, to ordinary low-skill jobs. Robert Frank, an economist at Cornell University, wrote recently in the New York Times that the industry -- not unlike the sub-prime mortgage sector -- is a beneficiary of the sweeping deregulation of the financial-services industry that has made credit more accessible. Its adverse consequences, he says, were" completely predictable". Once poor people get in over their heads, they will borrow themselves into bankruptcy if the law permits; and" if we are unhappy about that, the only solution is to change the rules." What is the best way for a man who is in need of small sums of money in the US
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Text 2 The moon appears to warp the minds of some men. Despite putting men on the moon in 1969 America seems determined on re-enacting the space race, this time pitting its efforts against those of the Chinese. Now a Russian company claims it could develop a system to exploit the moon’s natural resources and potentially relocate harmful industries there. This is lunacy. Russia certainly has great prowess in space. In its former guise as the centre of power in the Soviet Union it launched the first man-made satellite in 1957. In a spectacular follow up, Yuri Gagarin became the first person in space in 1961. Another triumph came in 1968 when the Russians sent a spaceship to orbit the moon with turtles aboard, returning it and its living cargo safely to Earth. An unmanned Russian spacecraft also landed on the moon ahead of the first manned landing by the Americans. Even after Neil Armstrong took his one small step, Russia has proved its superiority in keeping people in space stations orbiting the Earth. The Russian Soyuz rocket is a mainstay of satellite launches and would be used to rescue astronauts should any accident befall the International Space Station. Head of the spacecraft manufacturer that helped achieve these Russian successes, this week boasted that his rockets could be used to industrialise the moon. So why were his remarks greeted with such scepticism One reason for the cynicism is that the idea is absurd. A United Nations treaty passed in 1967 bans potentially harmful interference with the Earth’s original satellite and requires international consultation before proceeding with any activity that could disrupt the peaceful exploration of space, including the moon. A second problem is that landing on the moon has proved beyond the budget of any state other than America and of any private company to date. In fact one of the best hopes for investment comes from space tourism. On Saturday April 7th, the fifth such holidaymaker entered space aboard a Russian Soyuz rocket. Charles Simonyi, an American software developer, paid $25m for his ten-day stay at the International Space Station. The next holiday destination is the moon. The tour operator that organised the first five packages is offering two tickets to orbit the moon for $100m each. Launch would be aboard a Soyuz spacecraft. But the Soyuz system was designed in the 1960s and has been on the verge of retirement for many years. Unfortunately the Russian authorities have postponed indefinitely the development of a successor. Thus the claim of the industrialisation of the moon is unlikely to succeed. The Underlined word" lunacy" (Line 4, Paragraph 1) most probably means ______.
On （） .
It was （） .
Activity Based Costing (ABC) is an (36) technique that allows an organization to determine the actual (37) associated with each product and service produced by the organization without regard to the organizational structure. This chapter explains some of the uses and benefits of Activity Based Costing. We use IDEFO (38) modeling in conjunction with ABC to enable more effective business (39) design decisions. In order to achieve the major goals of business process improvement, process simplification and improvement, FAA managers need to fully understand the cost, time, and quality of activities performed by employees or machines throughout an entire organization. ABC methods enable (40) to cost out measurements to business simplification and process improvement.
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