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1、博士研究生入学考试英语模拟试题一PartⅠReadingcomprehensionPassage1Statesareconsideringmajorchangesinprepaidcollegetuitionprograms-raisingprices,restrictingparticipationorcancelingthemastheygrapplewithfinancialwoos.Nationwide,familieswilllikelyhavetopaymoretoparticipate,oracceptthattheymightnotcovertuitionwhen
2、childrengotocollege.Coloradohascloseditsprepaidplantonewinvestorsandtoldexistingonesthatitmaynotcoverfuturetuitionincreases.WisconsinstoppedsellingitsplanonDec.20.MarylandandIllinoisarestateshikingpricesby20％ormore.Prepaidplansletparentslockintuitionbypayingforitnow,protectingthemagainstrisin
3、gcosts.Butthebearmarkethashurtinvestmentreturns,leavingtheplansunabletokeepupwithbigincreasesintuition.Sofar,Coloradoistheonlystatethathastoldparticipantstheirinvestmentsmaynotcovertuition,andnoplanhasmissedapayment.Otherstateshavesaidtheywillfulfillobligations,evenifitrequiresalegislativebai
4、lout.Still,thefinancialprogramshaveforcedthousandstograpplewithuncertaintysomethingprepaidplansweredesignedtoavoid.Morethan1millionfamilieshaveanestimated$8billioninvestedintheplans,says(Savingforcollege.com).Somestates,includingColorado,mayreplacetheprepaidplanwithaguaranteedinvestmentcontra
5、ct,aCD-likeinvestmentthathasbackedbyaninsurancecompany.Investorsgetaminimumrateofreturn,butnoguaranteethatitwillcovertuition.Wisconsin,sEdVestprogramisencouraginginvestmentinastatevaluefund,whichissimilartoaguaranteedinvestmentcontract,initsinvestmentplan.Wisconsin'sprepaidplanneverguaranteed
6、tocovertuitioninflation.Italsonevergotalotofinvestors,possiblybecauseitlackedthatguarantee.InFlorida,ataskforceisconsideringlimitingthestate'sprepaidprogramtolow-in-comefamilies.Ohioofficialsarealsolookingatlimitingparticipation,butit'sameasuretheyhopetoavoid.“Programadministratorsarelookingf
7、oralternative,”saysAndreaFeirstein,astate-planconsultant.Marylandrecentlyboosteditspricesbyupto30％;Illinoisbyupto23％.Theincreaseshavemadesomeprepaidplansuneconomicalforparentsofolderchildren.InOhio,thepriceofoneyear'stuitionforachildover12mon
