For decades, people had continued to pay down mortgages until their last cent was spent. Now, increasing numbers were giving up their homes even as they continued to service other debts. Faced with a plunge in house prices across the US—something that has not happened since the Great Depression of the 1930s—the mortgage industry is already dealing with a surge in the numbers of people defaulting on their payments. The concern is that the losses on risky subprime mortgages could soon swell further as people with good credit histories decide it is not Worth continuing to make payments on houses now worth less than the loan. House prices in the US are already 20 percent from the 2006 highs and are forecast to keep falling. For many, especially those who have put little of their own money into a house, sending back the keys could be perfectly rational. The practice has been given a name in the industry—"jingle mail"—and there are even companies specializing in helping people with the decision. Youwalkaway.com, one such service, almost makes it sound an alluring prospect: "What if you could live payment-free for up to eight months or more and walk away without owing a periny?" the website asks. Larry Rosenberger, arguably one of the most experienced crunchers of consumer debt statistics around, was meeting the consortium of mortgage lenders to talk about analyzing their data for clues about which people's negative equity could be expected to keep paying down their mortgages. "They said: 'We're getting killed with losses, can we figure out more accurately who will do what, so we can be more accommodating with some borrowers but not with others,'" Mr. Rosenberger says. The accuracy of the models used by the likes of Mr. Rosenberger to flag good and bad customers could make a huge difference to the losses that lenders eventually have to absorb—losses that will, in turn, determine the availability of fresh funds for new loans. His approach was to seek clues to people's future actions in their past behavior. For example, people with children at local schools may be less likely to walk away than people without school-age children. People with mortgages on second homes may be more likely to give up the investment.Questions 6-10:Read Passage 2 and choose the correct answers.

【正确答案】 C

【答案解析】解析：本题是细节题。由全文前两句可推测A选项的内容是正确的，近来，人们还贷款的方式有所改变。由第一段最后一句可知，B选项的内容也是正确的：上次房价大幅度下跌是在大萧条时期。由第一段第三句可知C选项的内容是错误的，原文描述如下：现如今，虽然人们还在偿还其他的贷款，但是很多人已经放弃归还房屋贷款了。由第一段最后一句可知D选项的内容也是正确的：越来越多的人开始拖欠归还贷款，贷款行业面临着巨大的挑战。所以C选项为正确答案。