【单选题】
In this section there are four reading passages followed by a total of 20 multiple-choice questions. Read the passages and then mark your answers onANSWER SHEET TWO.
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They could also reduce their tax bill by starting Health SavingsAccounts, Retirement SavingsAccounts, and Lifetime SavingsAccounts.
These options reflect a certain conservative logiC、Rather than having the government or your company decide how much retirement money or healthcare you get, you can decide for yourself.
"If you own something, you have a vital stake in the future of our country," Mr.Bush explains.
"The more ownership there is inAmerica, the more vitality there is inAmericA、"
The flaw in this logic isAmericans lack of financial sophistication. For example: Less than one-quarter of working-age people characterize themselves as "knowledgeable investors," according to surveys by John Hancock Financial Services.Even this minority shows "considerable confusion". For example: Many surveyed thought money-market funds included stocks and bonds.
That doesn’t meanAmericans are stupiD、They just have better things to do. "Many people don’t have the time, inclination, or expertise necessary to take full responsibility for their own well-being in areas that are so complex as assuring they have sufficient income for retirement or choosing a health plan appropriate for their circumstances", says Robert Reischauer, president of the Urban Institute, a Washington think tank.
Moreover, manyAmericans would have trouble reading the documents involved in such decisions. Some 44 million adults at the lowest of five levels of literacy were unable to decipher simple texts and documents, according to a decade-old survey by theDepartment ofEducation.Even the larger number of people at the next level of literacy would find financial reports and documents difficult.
Because it goes to the heart of the liberal-conservative divide over the role of government, the ownership society sparks political controversy.
"Boneheaded, wacky, breathtakingly threatening," writes Greg Palast forAlterNet, a liberal website set up by the Independent Media Institute. It’s "lopping off a chunk of Social Security insurance revenue for gambling in the stock market."
On the conservative side: The ownership society "tends to encourage self-esteem and healthy habits of behavior, such as acting more for the long term, or taking education more seriously," arguesDavidBoaz of theCato Institute, a libertarian think tank in Washington.
But judgment doesn’t need to rely on rhetoriC、The United States already has experimented with transferring the major responsibility for retirement savings from employers to employees. It’s the 401(k) plan, which got going in the 1980s.
Workers are "overwhelmed" by them, arguesBostonCollege’sAlicia Munnell, who withAnnika Sunde wrote a new book, "Coming Up Short," on these popular retirement plans. For example:
Only 25 percent of eligible workers join the plan. (TheBush private accounts will be voluntary for younger workers.)
Ninety percent of those participating contribute less than the maximum.
Almost 60 percent of participants have undiversified portfolios, with almost all their money in stocks, or in bonds and other fixed-income investments.About 20 percent of 401 (k) assets are invested in the stock of the company employing the workers-risky indeed, asEnron employees fo
网考网参考答案：C
网考网解析：
根据本文，下面哪个叙述是真实的 全篇文章讨论的是这一计划可能存在的一些问题，所以引发了分歧。 document.getElementById("warp").style.display="none"; document.getElementById("content").style.display="block"; 查看试题解析出处>>
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