资料：（四）Of all the lessons taught by the financial crisis, the most personal has been that we American

资料：（四）Of all the lessons taught by the financial crisis, the most personal has been that we Americans should not be proud of our financial skills. We take out home loans we can't afford. We run up sky-high credit-card debts. We don't save nearly enough for retirement.In response, supporters of financial-literacy education are raising their voices. School districts in many states are adding money-management courses to their curriculum. The government is encouraging students to compete in the National Financial Capability Challenge. However, there is little evidence that traditional efforts to boost financial know-how help students make better decisions outside the classroom. Even as the financial-literacy movement has gained steam over the past decade, scores have been falling on tests that measure how well students perform in marking financial decisions.Given the situation, a growing number of researchers and educators agree that a more radical approach is needed. They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids′ hands, and encouraging students to talk openly about the emotions and social influences about spending.Yet even the skeptics are slow to write off financial education completely. "We need to rigorously study the financial decisions of alumni like Ariel and Alex and compare with those too speculative to recommend one education approach over another." says Mike Sheden, a professor at Washington University in St. Louis who is conducting a seven-year study on Whether giving children real bank accounts would result in long-term smart financial decisions. Yes, good, solid research like this takes a lot of time and resources, but it is in our own best interest to pursue it.What does Mike Sheden think of the financial education of Ariel and Alex?（ ）
A：It is fruitful without any doubt.
B：It is better than their peers.
C：It turns out to be a failure.
D：It needs experimental evidence to prove its success.
D
本题考查的是细节理解。 【关键词】Mike Sheden；financial education of Ariel and Alex 【主题句】第4段"We need to rigorously study the financial decisions of alumni like Ariel and Alex and compare with those too speculative to recommend one education approach over another." says Mike Sheden, a professor at Washington University in St. Louis who is conducting a seven-year study on Whether giving children real bank accounts would result in long-term smart financial decisions. “我们需要严格研究像阿里尔和亚历克斯这样的校友的财务决策，并与那些过于投机，推荐一种教育方法，而不推荐另一种的人进行比较。”圣路易斯华盛顿大学教授迈克谢登（Mike Sheden）说，他正在进行一项为期七年的研究，研究给孩子们提供真实的银行账户是否会导致长期的明智的财务决策。 【解析】题目意为“迈克谢登（Mike Sheden）对阿里尔和亚历克斯（Ariel and Alex）的金融教育有何看法？”A选项意为“毫无疑问，它是卓有成效的。”B选项意为“比他们的同龄人好。”C选项意为“结果是失败了。”D选项意为“它需要实验证据来证明它的成功。”根据主题句，迈克谢登认为要严格研究像阿里尔和亚历克斯这样的校友的财务决策，要通过长期、大量的研究来判断金融教育的成功性，排除投机因素，D选项正确。
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