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　The habit of chewing gum（咀嚼口香糖）has lasted for more than a century．Millions of people all 　1 　the world chew billions（兆）of pieces of gum every year．

　Chewing gum 　2 　popular in the United States mainly 　3 　of the work of one man, William Wrigley, 　4 　for many years was the head of the Wrigley Company． 　5 　Thomas Adams first began his experiment in about the 　6 　1870．It was he who first 　7 　the gum softer and more pleasant to chew．But it was not until Wrigley joined the 　8 　in about 1890 that people everywhere began to 　9 　up the habit of chewing gum．　

　Wrigley liked to do 　10 　in a big way．In his first year, he borrowed money and 　11 　more than a million dollars in advertising(做廣告)．For years, there 　12 　a large Wrigley's advertisement on every streetcar in the United States． 　13 　complained(抱怨)that they could not go 　14 　without seeing Wrigley's name． Wrigley even 　15 　, free of charge, States．Finally he began to advertise that it was good for health to chew gum, that it 　17 　the nerves(神經), and that it helped to keep the teeth clean．

　He 　18 　give the gum free to every child in the United States on 　19 　second birthday．He employed（雇傭）young 　20 　who,in long, orange-striped（有桔色條紋的）dresses would go from city to city in groups of 　21 　or five, stand at street corners and give free samples(貨樣) of chewing gum to every person who passed by． 　22 　this way each woman gave away about five thousand 　23 　of wrigley's gum every day．As 　24 　of this 　25 　advertising, people in the United States began to buy more and more chewing gum．

If your parents take out a loan, remind themselves to make the payments on time. Otherwise it will become a negative record in their personal credit reports, which are playing an increasingly big role in people's daily lives. A story carried by Chongqing Morning Post in June, underlines this trend.

    According to the report, a Chongqing student borrowed money from the bank to finance his university studies. After he graduated in 2005, he went to work in Shenzhen. Later, he wanted to buy a house using loans. But several banks turned down his loan applications. The reason was that he had not paid back 1,500 yuan he borrowed from a bank when he was at university.

    A personal credit rating is becoming an essential “pass” in everyday life, as China establishes a nationwide credit database. Personal credit systems go back 150 years. In developed countries, enterprises and banks use them to decide whether or not to loan money or do other business with a person.

     A credit report estimates the credit worthiness of an individual, a company, or even a country. It is an evaluation made by credit bureaus of a borrower's overall credit history and his or her ability to repay debt. A poor credit rating means a high risk of defaulting on a loan, and thus leads to the refusal of a loan by the lender.

     Today in China, credit history in banks is the major content of a credit report. But in the future, reports will include information about the payment of telephone bills, water use fees, electricity and natural gas bills, and taxes, according to officials of the People's Bank of China, the central bank.

     Personal information such as appearance, genetic data, fingerprints, blood type, disease history, ethnic identity, family and religious beliefs are not to be included in credit reports, according to a draft regulation on credit rating issued last year by the Sate Council. The authors of the draft have just finished soliciting(征求) public opinions.

     The Credit Reference Center run by the People's Bank of China is in charge of developing a nationwide credit database. Credit reports for all people with bank transactions (交易)began in 2006.

     A personal credit rating is important to the social and economic activities of a person. According to the draft, if you have a personal negative credit record, it will be kept for five years.

60. The author took the story as an example in order to ________.

A. tell us the story of a Chongqing student

B. warn us of the importance of our personal credit report

C. encourage us to use credits widely

D. inform us to apply for a loan at university

61. Credit reports will include the following except ________.

A. taxes                       B. telephone bills

C. genetic data                  D. water use fees

62. According to the passage, which of the following statements    is TRUE?

A. Personal credit systems go back 150 years in China.

B. Credit reports began in 2006 in China.

C. Credit history in banks is the only content of a credit report.

D. You can turn to the People's Bank of China for the information about your credit report.

63. What's the best title for the passage?

A. Credit Really Counts

B. Credit in China

C. A Credit Report Rating

D. Credit Report Contents