Participation in competitive team sports has hazards.

restricting participation of canceling them - as they grapple with financial woes. Nationwide, families will likely have to pay more to participate, or accept that they might not cover tuition when children go to college.

Colorado has closed its prepaid plan to new investors and told existing ones that it may not cover future tuition increases. Wisconsin stopped selling its plan Dec. 20. Maryland and Illinois are among states hiking prices by 20% or more.

Prepaid plans let parents lock in tuition by paying for it now, protecting them against rising costs. But the hear market has hurt investment returns, leaving the plans unable to keep up with big increases in tuition. So far, Colorado is the only state that has told participants their investments may not cover tuition, and no plan has missed a payment.

Other states have said they will fulfill obligations, even if it requires a legislative bailout. Still, the financial problems have forced thousands to grapple with uncertainty - something prepaid plans were designed to avoid. More than 1 million families have an estimated $ 8 billion invested in the plans, says ＜ Saving for College. com ＞.

Some states, including Colorado, may replace the prepaid plan with a guaranteed investment contract, a CD-like investment that's backed by an insurance company. Investors get a minimum rate of return, but no guarantee that it will cover tuition.

Wisconsin's EdVest program is encouraging investment in a stable value fund, which is similar to a guaranteed investment contract, in its investment plan. Wisconsin's prepaid plan never guaranteed to cover tuition inflation. It also never got a lot of investors, possibly because it lacked that guarantee.

In Florida, a task force is considering limiting the state's prepaid program to low-income families. Ohio officials are also looking at limiting participation, but it's a measure they hope to avoid. "Program administrators are looking for alternatives," says Andrea Feirstein, a state-plan consultant.

Maryland recently boosted its prices by up to 30%; Illinois by up to 23%. The increases have made some prepaid plans uneconomical for parents of older children. In Ohio, the price of one year's tuition for a child over 12 months old is $ 8, 000, more than 40% above current tuition at Ohio State. SO it may not be a good deal for children starting college in three or four years because tuition may not jump that much that fast.

Prepaid college tuition is generally designed on the principle that ______.

A．it is easy to pay at the present time

B．it is economical in the long run

C．it saves pains to pass the entrance exam

D．it ensures the admission to the college

TO: Bridget Ellesmere

FROM: Nathan Sommersby

DATE: 11/18/2009

RE: Employee "Shadow" Day 2009

Armwar industries is participating in the National .lob Shadow Day 2009, a new program being implemented to introduce young people to various types of jobs and provide them with some first-hand experience through a one-day mentoring experience. Shadow Day is the perfect way to introduce today's youth—tomorrow's future employees—to the opportunities in an industry. Last year the hospitality industry introduced approximately 30,000 high school students to career opportunities In nearly 2,500 restaurants and hotels. This year over 100,000 students and 1,500 businesses will participate in the Job Shadowing program across the country. The program is being sponsored by the government and is being organized through the State Work Employment Agency. It involves students being paired with a workplace mentor who they will "shadow" through out the day on December 12. To get involved in the program, fill out a form. online at www.SWEA.org/ShadowDay or call us at 1 -800-8765-0987. We hope you'll take the time to get involved.

From: Bridget Ellesmere ＜BridgeEllesmere@gmail. com＞

To: Nathan Sommersby ＜nsommersby@SWEA. net＞

Subject: Questions on shadow day

Mr. Sommersby,

1 am writing to confirm that our company is joining this year's Job Shadow Day. Besides, I'd like to ask some questions we encounter during the preparation for the day.

Firstly, is there a limitation on the number of employees participating in the activity？ Since the notice was posted, we have received many responses from our staff to volunteer on December 12. I was wonder if there is a limitation. If so, I would like to clarify things to my staff so as to prevent real disappointment.

Then, we got a list of students who are in the Shadow Day activity on www. SWEA. org, but how are the studenls going to be paired with employees？ Do we pair by ourselves and then contact the each specific student or hand in a namelist of our employees to the organizer？

I would appreciate, a quick reply very much for the day is just around the corner and I prefer everything ready and successful. Thank you very much.

Regards,

Bridget Ellesmere

Vice-President, Honeyday Resorts

What is the purpose of the memo？

A．To seek donation

B．To call for participation in a program

C．To promote a resort hotel

D．To report the success of a program

劳动力参与率(labor-force participation rate)

A．Body gestures.

B．Music appreciation.

C．The participation of muscles in mental acts.

D．The definition of the thinking process.

According to the passage, muscle participation in the process of thinking is______

A．deliberate

B．apparent

C．indistinct

D．impressive