根据短文内容，从短文后的选项中选出能填入空白处的最佳选项，并在答题卡上将该项涂黑。选项中有两项为多余选项。
Are you a saver or a spender?
【小题1】 This old saying calls attention to the wisdom of saving money. Putting money away for a rainy day is another way to talk about saving for the future.
People who hate to spend money are known as tightwads, while those who like to get the most value for their money are called thrifty. 【小题2】 A spendthrift is someone who spends wastefully. People like that are often said to spend money like a drunken sailor or like there's no tomorrow.
In the United States, people who want to start a savings account have different choices of where to put their money. 【小题3】 Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit（存款）pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. 【小题4】 People can withdraw their money early but they have to pay a penalty(罚金).
In a number of countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. 【小题5】 Many European countries have higher rates, but Americans save more than families in Japan.A．People are willing to save money for the future.B．A penny saved is a penny earned.C．Before gold, even kings take off their hats.D．These include banks and credit unions.E. Longer terms, and larger amounts, pay higher interest.
F. A thrifty person is different from a spendthrift.
G. This year the rate is expected to be a little more than four percent.B
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(答案→)B
解析：简要对比节俭者与挥霍者，同时介绍美国人们开设储蓄账户的多种选择。
【小题1】结合“This old saying calls attention to the wisdom of saving money. Putting money away for a rainy day is another way to talk about saving for the future.”这句老话呼吁大家重视省钱的智慧。未雨绸缪是一种为将来打算的说法。故应选B。省钱就是赚钱。
【小题2】结合“People who hate to spend money are known as tightwads, while those who like to get the most value for their money are called thrifty.” A spendthrift is someone who spends wastefully. People like that are often said to spend money like a drunken sailor or like there's no tomorrow.”舍不得花钱的人被称作吝啬鬼，而使金钱的价值最大化者叫做节俭。败家子是指花钱挥霍者。这类人通常被说成“花钱像喝醉的水手”或“花钱像没有明天一样”。故应选F. 节俭者和败家子可不同。
【小题3】结合“In the United States, people who want to start a savings account have different choices of where to put their money.”在美国，人们想要开设储蓄账户有多种不同选择。故应选D。其中包括银行和信用社。
【小题4】结合“Certificates of deposit（存款）pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years.”存款证支付更高的回报。使用存款证的人承诺一段时间内不提取存款，期限从几个月到数年不等。故应选E。期限越长，金额越大，支付的利息就越高。
【小题5】结合“In a number of countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%.”多年来，一些国家的人们储蓄得越来越少。据报道2000年，美国家庭储蓄率为7%。故应选G。今年预计略高于4%