April is Financial Literacy Month，when Americans of all ages are encouraged to learn how to be smart about money.And this year，fifth­grade Rachel Kelly from Naperville，Illinois，is already at the head of her class.Kelly,11, won a nationwide contest called the Stock Market Game.

    Students who take part in the Stock Market Game，run by the SIFMA Foundation，a financial­education organization，pretend to buy stocks (股票) worth $100,000.Then they have to read financial news over several days to see if their investments would have gained money or lost money and write an article explaining their choices.

    “I  wanted  to  choose  a  company  that was well­known，” writes Kelly.“I thought about products that I see every day，so cars came to my mind.” Kelly picked the Japanese car company Honda Motors.“Honda Motor Company is the No.1 producer of motorcycles in the world and the fifth­largest producer of automobiles behind Toyota，Volkswagen，General Motors and Hyundai，” says Kelly.

    Honda makes many different kinds of cars，which Kelly thinks makes the company a safe investment.She explains that even if the cost of gas goes up，Honda has a good chance of staying in business because of the company's fuel­efficient cars，which run on less gas than most cars made today.

    “If one of their departments is not doing so well，it won't affect the overall company sales，” she writes.

    Because the stock Kelly picked performed well and her article was persuasive，Kelly won this year's contest.About 600,000 students from 4th to 12th grade competed.

    “This is your last chance,” warned Mrs Gillfeather. I broke out in a sweat and my hands started to shake. We both wanted to get to sleep, but before we could, I had to put a cannula(针管) in her arm.

    Before becoming a doctor I'd only a vague idea what a cannula was, coming from an hour spent with a plastic arm while at medical school. Once I became a doctor, however, I couldn't seem to get away from them.

    For those of you who are lucky enough to have never come into contact with one, they're tiny little tubes that are put into a vein(静脉)so that fluid or medicines can do directly into the blood. That's the theory. Unfortunately, the problem is that for them to work, you have to get them into the vein in the first place. This tends to be trickier than you'd imagine—and it's a job that tends to fall on the junior doctors.

    Mrs Gillfeather's veins were particularly elusive that evening. I'd been jabbing the needle in for at least 20 minutes.

    “Isn't there someone else who could do this?” she asked, for the fourth time. “Someone who knows what they're doing, perhaps,” she said under her breath, just loud enough for me to hear.

    Finally, I got it in. Mrs. Gillfeather and I both breathed a sigh of relief

    Just as I was about to leave the ward, the nurse called me over, “Max, there's another cannula to do on bed 16.”

    Navajo was the perfect choice for a secret language. It is very complex. One vowel (元音）can have up to ten different pronunciations, changing the meaning of any word. In the 1940s, Navajo was unwritten language. No one outside of the reservation could speak it or understand it.

    The Navajo Code team had to invent new words to describe military equipment. For example, they named ships after fish: lotso-whale (battleship), calo-shark (destroyer), beshloiron-fish (submarine). When a Code Talker received a message via radio, he heard a series of unrelated Navajo words. He would then translate the words into English and use the first letter of each English word to spell the message. The Navajo words tsah (needle), wol-la-chee (ant), ah-kh-di-glini (victor), and tsah-ah-dzoh (yucca) spelled NAVY.

    The Code Talker kept the code a secret. They memorized everything. There were no code books. As a result, no ordinary Navajo soldiers, if captured by the enemy, could understand the code. More than 3,600 Navajos served in World War II, but only 420 were Code Talkers with the US Marines. They coded and decoded battlefield messages better and faster than any machine. They could encode, transmit, and decode a three-line English message in 20 seconds. Machines of the time required 30 minutes to perform the same job.

    Even after the war the code remained top secret. When they were asked about their role, Code Talkers just said: “I was a radioman.” War movies and histories came out without mentioning them. The code was never used again and was finally declassified in 1968. Only then did the secret came out.

    In Western society, especially in the English-speaking world, the chance for young people to see the other countries and experience life is considered important. Many young people, when they finish school at the age of 18, take a gap year before they go to university.

    Parents often want their children to grow up a little and see what the real world is like when they finish school. Although they are worried about their safety, many think that the advantages of independence and experience are worth the worries. Children are encouraged to be brave, independent and to explore the world on their own or with friends.

    Young people also want to experience freedom and see what life is like on the other side. This other side could be the other side of the world or just the other side of life. For example, if they have a rich life, they may want to see how people in poor areas live.

    A gap year after school is also an important chance for young people to spend time thinking about what they want to do with their lives. A little bit of growing up and experience will help them make their important career decisions, especially when they are unsure about what they want to study.

    Another reason for going straight after school is to get a break from studying before they start the next few years of university. So anywhere you travel in the world, you will meet young European people exploring the world.

    So much of the world has been travelled and explored. The young people are now looking for more worthy experiences. Some of them work as volunteers to do something for the country they are visiting. Many gap year volunteers are now spending a few months teaching English in Thailand, helping feed giant pandas in China or building a well(井) in a village in Africa.

    These young people's wish to explore the world is an expression of the values of the societies that they are part of. Both discovering the world and making a positive difference in it are important parts of the Western mind.

    Since many of you are planning to study at a college or university in the future, you may be curious to know what your future study will be like. This is the question I want to discuss with you today.

    First, let's talk about what your weekly timetable will look like. No matter what your major may be, you can expect to spend between four and six hours a week for each class attending lecture. Lectures are usually in very large rooms because some courses such as Introduction to Sociology or Economics often have as many as two or three hundred students, especially at large universities. In lectures, it's very important for you to take notes on what the professor says because the information in a lecture is often different from that in your textbooks. Also, you can expect to have exam questions based on the lectures. So it isn't enough to just read your textbooks; you have to attend lectures as well. In a typical week, you will also have a couple of hours of discussion for every class you take. The discussion part is a small group meeting usually with fewer than thirty students where you can ask questions about the lectures, the reading, and the homework. In large universities, graduate students called teaching assistants, usually direct discussion parts

    If your major is chemistry, or physics, or another science, you'll also have to spend several hours a week in the lab doing experiments. This means that science majors spend more time in the classroom than non-science majors do. On the other hand, people who major in subjects like literature or history usually have to read and write more than science majors do.

    Thousands of years ago, Britain was covered by thick forests, home to many animals which no longer live in the United Kingdom. But all this has changed. Now the population of the United Kingdom has increased to sixty-five million. Three-quarters of Britain consists of fields, towns or cities. Although 25 percent of land is countryside, new methods of farming mean that there are fewer birds and small animals living in fields than ever before. Now, the United Kingdom does not have large wild carnivores (肉食动物). In Scotland, there are only 400 wildcats-Europe's rarest cats-but these are much smaller than wolves.

    Some people would like to change things, however! Some organizations and writers say that Britain needs to become more natural again. They suggest that trees and plants that grew in the United Kingdom before towns and cities were built should be allowed to grow again. They even say that large wild animals which have not lived in the United Kingdom should be helped to return and live wild. They call this "rewilding".

    Not everyone agrees. In the last twenty years, over one million trees which originally grew in Scotland have been planted and there are plans for more - but wild animals? Some people ask if wolves will attack sheep or even humans. They are also angry that rewilding might mean an end to walking in the hills which so many people enjoy. So far, there are no wolves or bears in Britain's forests - but soon there might be!