单选题 Everybody in this world is different from one another. But do you know that understanding differences can help you better manage your money?
As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it"s not easy to change later in life. Financial experts say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great effect on the way we look after our money. According to our different values, experts put us in three categories. They are: the ant, the cricket and the snail.
The ant—work first
Just like ants who work heart and soul in summer in order to store food for winter, these people don"t care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk.
The cricket—fun first
The cricket wants to enjoy everything now and doesn"t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance.
The snail—living under pressure
The snail refers to people who make life difficult for themselves. They take big long-term loans (贷款) from the bank in order to buy things such as luxury houses. They are happy to take big loans even though they are not sure whether they can afford it. This can cause problems in the future. They should plan more carefully.

单选题 According to this passage, value system ______.

【正确答案】 A

【答案解析】[解析] 根据第二段第一句和第三句“As we grow up, we gradually develop a set of our own values or beliefs. ”“Once this value system is set up, it"s not easy to change later in life. ”可知，第三句中的this value system指的就是第一句中的a set of our own values or beliefs，而“value system”一旦确立，之后便很难改变，但也并不是“一成不变”，所以C项错误。根据第二段第四、五句“Financial expels say that everyone also has...This is part of our value system...”可知，B、D项只是“value system”的部分内容。故选A。

单选题 The ant refers to people who ______.

单选题 The crickets borrow money because ______.

【正确答案】 C

【答案解析】[解析] 根据第六段第一、二句“The cricket wants to enjoy everything now and doesn"t think too much about the future. They even borrow money when they really want something. ”可知，cricket(蟋蟀)所代表的是借钱也要买东西的享乐主义者，他们的特点就是注重现阶段的物质享受。故选C。