难句突破：
(1)
[主体句式] There are rises in...
[结构分析] 这是一个简单句，which 引导的非限定性定语从句是修饰前面的the charge-off and delinquency rates；在该定语从句中还有定语从句修饰the share of balances，在该定语从句中，前半个句子对应修饰the charge-off rates，后半个句子是个省略句，对应修饰the delinquency rates.
[句子译文] 损耗率和逾期债款率都上升了，这两个数据分别代表收不回来的收支差额的份额和晚了30天的份额。
(2) A change in America's personal-bankruptcy laws in 2005 led to an abrupt fall in bankruptcy filings, which in turn account for a big chunk of credit-card losses; the number of filings (and thus charge-off rates) would be rising again, whether or not overall conditions for borrowers were getting worse.
[主体句式] A change led to an abrupt fall; the number would be rising.
[结构分析]这是一个复杂句，分号将前后两个句子隔开。前面句子中，宾语带有which引导的非限定性定语从句；后面句子是带有方式状语从句的复杂句。
[句子译文]2005年美国个人破产法的一个改动使得破产登记急速下降，而后引起了信用卡大规模的亏损。破产登记数量（随之的charge-off率）可以重新上升，不管贷款人的整体状况是否变得更糟糕了。
题目分析：
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1. The author makes mention of dorsal fins which are irrelevant to the topic in order to _____. |
1. |
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[A] make people alert to the potential danger |
[A] 提醒人们注意潜在的危险 |
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[B] attract the readers' attention by presenting an interesting phenomenon |
[B] 通过描述一个有趣的现象来吸引读者的眼球 |
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[C] make people realize the graveness of the issue by showing a similar case |
[C] 通过一个类似的案例让人们意识到事情的严重性 |
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[D] make the passage more vivid by imparting new knowledge to readers |
[D] 通过向读者传授新的知识来使得文章更生动 |
[答案]A
[难度系数] ☆☆☆
[分析]推理题。文章在首尾都提到了背鳍。开头提到一旦水中有血，背鳍就会变得兴奋起来，接着就提到美国房地产衰退后，捕食者将目光转移到信用卡市场。末尾提到要留心背鳍。可以看出，作者提到背鳍是一种隐喻，意味着危险，因此选项A 比较符合题意。
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2. Rises in the charge-off and delinquency rate indicate _____. |
2.损耗率和逾期债款率的升高意味着_____。 |
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[A] |
[A] 次级抵押贷款恶化 |
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[B] |
[B] 信用卡借贷人还贷能力较弱 |
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[C] |
[C] 技术因素的影响 |
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[D] the change in relevant laws |
[D] 相关法律的变化 |
[答案]B
[难度系数] ☆☆
[分析] 推理题。文章在第一段提到，信用卡市场的疲软迹象已经出现，接着就提到这两个数字，损耗率和逾期债款率分别代表无法收回来的收支差额的份额和晚付了30天的份额，接着还举例说香港汇丰银行的14亿美元费用就是部分因为信用卡借款人偿还能力较弱。因此，这两项升高表明信用卡市场出现问题。A不符合；B，是信用卡市场问题；CD在第二段提到，是引起这两项升高的部分原因所在。因此，答案为B。
