Ⅰ. After the personal-savings rate dipped to zero in 2005, the shock of the economic crisis last year prompted people to snap shut their wallets.(2012. 12 阅读 Text3)

　　【翻译】2005年个人存款率跌至0之后，去年的经济危机带来的动荡促使人们紧闭他们的钱包。

　　【词汇】1. dip v. 下沉;浸，蘸

　　例：The coin has dipped into the river.

　　硬币已经沉到河里了。

　　2. prompt v. 促使，引起，推动

　　例：It is the science and technology that has prompted the development of economy.

　　是科学技术推动了经济的发展。

　　3. snap shut v. 啪地关上，此处的snap是啪的一声的意思，来修饰shut，表达一种快的意思。

　　例：The box shut with a snap.

　　盒子啪地一下合上了。

　　Ⅱ. And there is, to date, only the flimsiest of publicly-funded health care and pension systems, which increases incentives for individuals to save while they are working. (2012. 12 阅读 Text3)

　　【翻译】到今天为止，只有最脆弱的由公立资助的医疗保障制度和退休金制度，这更加刺激了个人在工作时就进行储蓄。

　　【词汇】1. flimsy a. 薄弱的，易坏的

　　例：This is a flimsy cardboard box.

　　这是一个脆弱的纸板箱。

　　2. pension n. 退休金，养老金，抚恤金

　　例：The country provides pension to senior citizens.

　　该国给老年人提供养老金。

　　3. incentive n. 刺激，鼓励

　　例：Poverty is an incentive for him to work hard.

　　贫穷是刺激他努力工作的因素。

　　Ⅲ. But China is a society that has long esteemed personal financial prudence. (2012.12 阅读 Text3)

　　【翻译】但中国是一个长久以来都奉行个人金钱要谨慎使用原则的社会。

　　【词汇】1. esteem v. 尊敬，认为

　　例：We esteem him for his courage.

　　我们尊敬他的勇气。

　　2. prudence n. 谨慎，考虑，节俭

　　例：She always acts with prudence.

　　她总是行事谨慎。