For years， if not decades， banks， post office and pubs have been disappearing on the British high street.Still， the scale and pace of the current crop of casualties seems exceptional， as well as the shortage of replacement activities.Where once the ex-banks could be readily converted into pubs， and a variety of often innovative bars and restaurants promised to breathe life into streets abandoned by traditional shops， now even those hopeful trends have been reversed.The various companies have widely varied reasons for their problems， yet together they symbolise the crisis on the high street.And the word“crisis” is justified.

There are common， and familiar， problems.The squeeze on household incomes， with near-stagnant wage levels and bouts of relatively high inflation， has lasted since the financial crisis began a decade ago.Even with the British shopper's ingenious way of defying financial logic， and despite the Bank of England's attempts to put cheap money into borrowers， pockets， sooner or later there was bound to be a correction.

While the money flowing into the high street has hardly risen， the supply of everything from cupcake stands to sandwich outlets has been expanding， pushing rents and wages higher.Huge retail developments are still looked on by desperate development agencies and local councils as the quick fix for any devastated post-industrial landscape.Once again， sooner or later this vast overcapacity was going to run into the reality of weak demand.No matter how smart the store or niche the outlet， when overheads aren't being covered by healthy sales， the future is bleak.

Overarching all of that， however， is the digital revolution， with giants such as Amazon invading new retail sectors.Less well advertised is the simple trend among the British towards entertaining and making the most of their leisure time in their very expensive homes.Why go to a public house or a restaurant when your private house is just as entertaining and where virtually any pastime or product can be transmitted via satellite， web or cable technology， and a cheap takeaway delivery and a bottle of wine are just a couple of clicks away?

Britain famously was once disparaged as “nation of shopkeepers”， small-minded merchants with narrow cultural and political horizons.Then the British became notorious as a “nation of shoppers”， small-minded consumers with narrow cultural and political horizons， as well as an almost reckless taste for debt and disregard for saving for the future.Now the British are becoming a nation of home-lovers， with pizzas arriving by moped and with a wireless hub for cosy nights in.For the sake of the high street， we need to get out more： either that， or local councils need to think hard about allowing more shops to be converted into flats.Then the British could become a nation of ex-shop dwellers， even if their cultural and political horizons remain as narrow as ever.

According to Paragraph 1， what has happened to the British high street?

For years， if not decades， banks， post office and pubs have been disappearing on the British high street.Still， the scale and pace of the current crop of casualties seems exceptional， as well as the shortage of replacement activities.Where once the ex-banks could be readily converted into pubs， and a variety of often innovative bars and restaurants promised to breathe life into streets abandoned by traditional shops， now even those hopeful trends have been reversed.The various companies have widely varied reasons for their problems， yet together they symbolise the crisis on the high street.And the word“crisis” is justified.

There are common， and familiar， problems.The squeeze on household incomes， with near-stagnant wage levels and bouts of relatively high inflation， has lasted since the financial crisis began a decade ago.Even with the British shopper's ingenious way of defying financial logic， and despite the Bank of England's attempts to put cheap money into borrowers， pockets， sooner or later there was bound to be a correction.

While the money flowing into the high street has hardly risen， the supply of everything from cupcake stands to sandwich outlets has been expanding， pushing rents and wages higher.Huge retail developments are still looked on by desperate development agencies and local councils as the quick fix for any devastated post-industrial landscape.Once again， sooner or later this vast overcapacity was going to run into the reality of weak demand.No matter how smart the store or niche the outlet， when overheads aren't being covered by healthy sales， the future is bleak.

Overarching all of that， however， is the digital revolution， with giants such as Amazon invading new retail sectors.Less well advertised is the simple trend among the British towards entertaining and making the most of their leisure time in their very expensive homes.Why go to a public house or a restaurant when your private house is just as entertaining and where virtually any pastime or product can be transmitted via satellite， web or cable technology， and a cheap takeaway delivery and a bottle of wine are just a couple of clicks away?

Britain famously was once disparaged as “nation of shopkeepers”， small-minded merchants with narrow cultural and political horizons.Then the British became notorious as a “nation of shoppers”， small-minded consumers with narrow cultural and political horizons， as well as an almost reckless taste for debt and disregard for saving for the future.Now the British are becoming a nation of home-lovers， with pizzas arriving by moped and with a wireless hub for cosy nights in.For the sake of the high street， we need to get out more： either that， or local councils need to think hard about allowing more shops to be converted into flats.Then the British could become a nation of ex-shop dwellers， even if their cultural and political horizons remain as narrow as ever.

The crisis on the high street is partly due to______.

For years， if not decades， banks， post office and pubs have been disappearing on the British high street.Still， the scale and pace of the current crop of casualties seems exceptional， as well as the shortage of replacement activities.Where once the ex-banks could be readily converted into pubs， and a variety of often innovative bars and restaurants promised to breathe life into streets abandoned by traditional shops， now even those hopeful trends have been reversed.The various companies have widely varied reasons for their problems， yet together they symbolise the crisis on the high street.And the word“crisis” is justified.

There are common， and familiar， problems.The squeeze on household incomes， with near-stagnant wage levels and bouts of relatively high inflation， has lasted since the financial crisis began a decade ago.Even with the British shopper's ingenious way of defying financial logic， and despite the Bank of England's attempts to put cheap money into borrowers， pockets， sooner or later there was bound to be a correction.

While the money flowing into the high street has hardly risen， the supply of everything from cupcake stands to sandwich outlets has been expanding， pushing rents and wages higher.Huge retail developments are still looked on by desperate development agencies and local councils as the quick fix for any devastated post-industrial landscape.Once again， sooner or later this vast overcapacity was going to run into the reality of weak demand.No matter how smart the store or niche the outlet， when overheads aren't being covered by healthy sales， the future is bleak.

Overarching all of that， however， is the digital revolution， with giants such as Amazon invading new retail sectors.Less well advertised is the simple trend among the British towards entertaining and making the most of their leisure time in their very expensive homes.Why go to a public house or a restaurant when your private house is just as entertaining and where virtually any pastime or product can be transmitted via satellite， web or cable technology， and a cheap takeaway delivery and a bottle of wine are just a couple of clicks away?

Britain famously was once disparaged as “nation of shopkeepers”， small-minded merchants with narrow cultural and political horizons.Then the British became notorious as a “nation of shoppers”， small-minded consumers with narrow cultural and political horizons， as well as an almost reckless taste for debt and disregard for saving for the future.Now the British are becoming a nation of home-lovers， with pizzas arriving by moped and with a wireless hub for cosy nights in.For the sake of the high street， we need to get out more： either that， or local councils need to think hard about allowing more shops to be converted into flats.Then the British could become a nation of ex-shop dwellers， even if their cultural and political horizons remain as narrow as ever.

It can be inferred from Paragraph 3 that high street retail business______.

For years， if not decades， banks， post office and pubs have been disappearing on the British high street.Still， the scale and pace of the current crop of casualties seems exceptional， as well as the shortage of replacement activities.Where once the ex-banks could be readily converted into pubs， and a variety of often innovative bars and restaurants promised to breathe life into streets abandoned by traditional shops， now even those hopeful trends have been reversed.The various companies have widely varied reasons for their problems， yet together they symbolise the crisis on the high street.And the word“crisis” is justified.

There are common， and familiar， problems.The squeeze on household incomes， with near-stagnant wage levels and bouts of relatively high inflation， has lasted since the financial crisis began a decade ago.Even with the British shopper's ingenious way of defying financial logic， and despite the Bank of England's attempts to put cheap money into borrowers， pockets， sooner or later there was bound to be a correction.

While the money flowing into the high street has hardly risen， the supply of everything from cupcake stands to sandwich outlets has been expanding， pushing rents and wages higher.Huge retail developments are still looked on by desperate development agencies and local councils as the quick fix for any devastated post-industrial landscape.Once again， sooner or later this vast overcapacity was going to run into the reality of weak demand.No matter how smart the store or niche the outlet， when overheads aren't being covered by healthy sales， the future is bleak.

Overarching all of that， however， is the digital revolution， with giants such as Amazon invading new retail sectors.Less well advertised is the simple trend among the British towards entertaining and making the most of their leisure time in their very expensive homes.Why go to a public house or a restaurant when your private house is just as entertaining and where virtually any pastime or product can be transmitted via satellite， web or cable technology， and a cheap takeaway delivery and a bottle of wine are just a couple of clicks away?

Britain famously was once disparaged as “nation of shopkeepers”， small-minded merchants with narrow cultural and political horizons.Then the British became notorious as a “nation of shoppers”， small-minded consumers with narrow cultural and political horizons， as well as an almost reckless taste for debt and disregard for saving for the future.Now the British are becoming a nation of home-lovers， with pizzas arriving by moped and with a wireless hub for cosy nights in.For the sake of the high street， we need to get out more： either that， or local councils need to think hard about allowing more shops to be converted into flats.Then the British could become a nation of ex-shop dwellers， even if their cultural and political horizons remain as narrow as ever.

According to the last two paragraphs the British nowadays______.

For years， if not decades， banks， post office and pubs have been disappearing on the British high street.Still， the scale and pace of the current crop of casualties seems exceptional， as well as the shortage of replacement activities.Where once the ex-banks could be readily converted into pubs， and a variety of often innovative bars and restaurants promised to breathe life into streets abandoned by traditional shops， now even those hopeful trends have been reversed.The various companies have widely varied reasons for their problems， yet together they symbolise the crisis on the high street.And the word“crisis” is justified.

There are common， and familiar， problems.The squeeze on household incomes， with near-stagnant wage levels and bouts of relatively high inflation， has lasted since the financial crisis began a decade ago.Even with the British shopper's ingenious way of defying financial logic， and despite the Bank of England's attempts to put cheap money into borrowers， pockets， sooner or later there was bound to be a correction.

While the money flowing into the high street has hardly risen， the supply of everything from cupcake stands to sandwich outlets has been expanding， pushing rents and wages higher.Huge retail developments are still looked on by desperate development agencies and local councils as the quick fix for any devastated post-industrial landscape.Once again， sooner or later this vast overcapacity was going to run into the reality of weak demand.No matter how smart the store or niche the outlet， when overheads aren't being covered by healthy sales， the future is bleak.

Overarching all of that， however， is the digital revolution， with giants such as Amazon invading new retail sectors.Less well advertised is the simple trend among the British towards entertaining and making the most of their leisure time in their very expensive homes.Why go to a public house or a restaurant when your private house is just as entertaining and where virtually any pastime or product can be transmitted via satellite， web or cable technology， and a cheap takeaway delivery and a bottle of wine are just a couple of clicks away?

Britain famously was once disparaged as “nation of shopkeepers”， small-minded merchants with narrow cultural and political horizons.Then the British became notorious as a “nation of shoppers”， small-minded consumers with narrow cultural and political horizons， as well as an almost reckless taste for debt and disregard for saving for the future.Now the British are becoming a nation of home-lovers， with pizzas arriving by moped and with a wireless hub for cosy nights in.For the sake of the high street， we need to get out more： either that， or local councils need to think hard about allowing more shops to be converted into flats.Then the British could become a nation of ex-shop dwellers， even if their cultural and political horizons remain as narrow as ever.

Which of the following would be the best title for the text?

The number of children who have died from heatstroke this year after being left or getting trapped in hot cars is among the highest on record.So far in 2019, 49 children have died from vehicular heatstroke, according to the National Safety Council, a non-profit safety group.

While most deaths occur during the hotter summer months, they can also happen in other seasons and with outside temperatures in the 60s, said Jan Null, a lecturer in meteorology at San Jose State University.More deaths could happen before the end of the year, though Mr.Null pointed out that the last death in 2018 was in September.The growing number of hot-car deaths—an average of 38 each year for the past two decades—displays the difficultly of pinpointing their cause and finding viable solutions,advocates say.

Most of these deaths occurred when a parent or caregiver unintentionally left a child in the car and about a quarter of them happened when a child got into a car on their own, and about 19% occurred after a caregiver knowingly left a child in the car, according to Mr.Null. "Nobody wants to accept the fact that you’re capable of doing this, but it’s just how our brains work,"said Janette Fennell, president and founder of KidsAndCars.org."If you can forget your keys or your cellphone, you certainly have the capability of forgetting your child."

The temperature inside a car can rise about 20 degrees in just 10 minutes, according to researchers.Heatstroke can happen when a person’s body temperature reaches 104 degrees, and it could turn lethal for children when their body temperature reaches 107 degrees.While the U.S.has experienced record-setting heat in recent years, Mr.Null said he couldn’t specify an exact cause for the increase in child heatstroke deaths because a complex set of factors can play a role.Beyond the temperature outside or where a car is parked, psychological factors can come into play.As such, "there’s not going to be one solution," he said.

Child-safety groups have pushed public-awareness campaigns over the years, and advocated for legislation and new technology in automobiles.A number of states have passed laws forbidding a person from leaving a child unattended in a vehicle because of safety concerns.For several years, advocacy groups have also pushed Congress to pass the Hot Cars Act,which would require new cars to be outfitted with child-safety alert systems.Bills were introduced in the Senate and House of Representatives earlier this year.

In Paragraph 2, Jan Null pointed out that______.

The number of children who have died from heatstroke this year after being left or getting trapped in hot cars is among the highest on record.So far in 2019, 49 children have died from vehicular heatstroke, according to the National Safety Council, a non-profit safety group.

While most deaths occur during the hotter summer months, they can also happen in other seasons and with outside temperatures in the 60s, said Jan Null, a lecturer in meteorology at San Jose State University.More deaths could happen before the end of the year, though Mr.Null pointed out that the last death in 2018 was in September.The growing number of hot-car deaths—an average of 38 each year for the past two decades—displays the difficultly of pinpointing their cause and finding viable solutions,advocates say.

Most of these deaths occurred when a parent or caregiver unintentionally left a child in the car and about a quarter of them happened when a child got into a car on their own, and about 19% occurred after a caregiver knowingly left a child in the car, according to Mr.Null. "Nobody wants to accept the fact that you’re capable of doing this, but it’s just how our brains work,"said Janette Fennell, president and founder of KidsAndCars.org."If you can forget your keys or your cellphone, you certainly have the capability of forgetting your child."

The temperature inside a car can rise about 20 degrees in just 10 minutes, according to researchers.Heatstroke can happen when a person’s body temperature reaches 104 degrees, and it could turn lethal for children when their body temperature reaches 107 degrees.While the U.S.has experienced record-setting heat in recent years, Mr.Null said he couldn’t specify an exact cause for the increase in child heatstroke deaths because a complex set of factors can play a role.Beyond the temperature outside or where a car is parked, psychological factors can come into play.As such, "there’s not going to be one solution," he said.

Child-safety groups have pushed public-awareness campaigns over the years, and advocated for legislation and new technology in automobiles.A number of states have passed laws forbidding a person from leaving a child unattended in a vehicle because of safety concerns.For several years, advocacy groups have also pushed Congress to pass the Hot Cars Act,which would require new cars to be outfitted with child-safety alert systems.Bills were introduced in the Senate and House of Representatives earlier this year.

Janette Fennell is cited to state the fact that adults______.

The number of children who have died from heatstroke this year after being left or getting trapped in hot cars is among the highest on record.So far in 2019, 49 children have died from vehicular heatstroke, according to the National Safety Council, a non-profit safety group.

While most deaths occur during the hotter summer months, they can also happen in other seasons and with outside temperatures in the 60s, said Jan Null, a lecturer in meteorology at San Jose State University.More deaths could happen before the end of the year, though Mr.Null pointed out that the last death in 2018 was in September.The growing number of hot-car deaths—an average of 38 each year for the past two decades—displays the difficultly of pinpointing their cause and finding viable solutions,advocates say.

Most of these deaths occurred when a parent or caregiver unintentionally left a child in the car and about a quarter of them happened when a child got into a car on their own, and about 19% occurred after a caregiver knowingly left a child in the car, according to Mr.Null. "Nobody wants to accept the fact that you’re capable of doing this, but it’s just how our brains work,"said Janette Fennell, president and founder of KidsAndCars.org."If you can forget your keys or your cellphone, you certainly have the capability of forgetting your child."

The temperature inside a car can rise about 20 degrees in just 10 minutes, according to researchers.Heatstroke can happen when a person’s body temperature reaches 104 degrees, and it could turn lethal for children when their body temperature reaches 107 degrees.While the U.S.has experienced record-setting heat in recent years, Mr.Null said he couldn’t specify an exact cause for the increase in child heatstroke deaths because a complex set of factors can play a role.Beyond the temperature outside or where a car is parked, psychological factors can come into play.As such, "there’s not going to be one solution," he said.

Child-safety groups have pushed public-awareness campaigns over the years, and advocated for legislation and new technology in automobiles.A number of states have passed laws forbidding a person from leaving a child unattended in a vehicle because of safety concerns.For several years, advocacy groups have also pushed Congress to pass the Hot Cars Act,which would require new cars to be outfitted with child-safety alert systems.Bills were introduced in the Senate and House of Representatives earlier this year.

According to Paragraph 4, which of the following is true about hot-car deaths?

The number of children who have died from heatstroke this year after being left or getting trapped in hot cars is among the highest on record.So far in 2019, 49 children have died from vehicular heatstroke, according to the National Safety Council, a non-profit safety group.

While most deaths occur during the hotter summer months, they can also happen in other seasons and with outside temperatures in the 60s, said Jan Null, a lecturer in meteorology at San Jose State University.More deaths could happen before the end of the year, though Mr.Null pointed out that the last death in 2018 was in September.The growing number of hot-car deaths—an average of 38 each year for the past two decades—displays the difficultly of pinpointing their cause and finding viable solutions,advocates say.

Most of these deaths occurred when a parent or caregiver unintentionally left a child in the car and about a quarter of them happened when a child got into a car on their own, and about 19% occurred after a caregiver knowingly left a child in the car, according to Mr.Null. "Nobody wants to accept the fact that you’re capable of doing this, but it’s just how our brains work,"said Janette Fennell, president and founder of KidsAndCars.org."If you can forget your keys or your cellphone, you certainly have the capability of forgetting your child."

The temperature inside a car can rise about 20 degrees in just 10 minutes, according to researchers.Heatstroke can happen when a person’s body temperature reaches 104 degrees, and it could turn lethal for children when their body temperature reaches 107 degrees.While the U.S.has experienced record-setting heat in recent years, Mr.Null said he couldn’t specify an exact cause for the increase in child heatstroke deaths because a complex set of factors can play a role.Beyond the temperature outside or where a car is parked, psychological factors can come into play.As such, "there’s not going to be one solution," he said.

Child-safety groups have pushed public-awareness campaigns over the years, and advocated for legislation and new technology in automobiles.A number of states have passed laws forbidding a person from leaving a child unattended in a vehicle because of safety concerns.For several years, advocacy groups have also pushed Congress to pass the Hot Cars Act,which would require new cars to be outfitted with child-safety alert systems.Bills were introduced in the Senate and House of Representatives earlier this year.

In the last paragraph, the author suggests that______.

The number of children who have died from heatstroke this year after being left or getting trapped in hot cars is among the highest on record.So far in 2019, 49 children have died from vehicular heatstroke, according to the National Safety Council, a non-profit safety group.

While most deaths occur during the hotter summer months, they can also happen in other seasons and with outside temperatures in the 60s, said Jan Null, a lecturer in meteorology at San Jose State University.More deaths could happen before the end of the year, though Mr.Null pointed out that the last death in 2018 was in September.The growing number of hot-car deaths—an average of 38 each year for the past two decades—displays the difficultly of pinpointing their cause and finding viable solutions,advocates say.

Most of these deaths occurred when a parent or caregiver unintentionally left a child in the car and about a quarter of them happened when a child got into a car on their own, and about 19% occurred after a caregiver knowingly left a child in the car, according to Mr.Null. "Nobody wants to accept the fact that you’re capable of doing this, but it’s just how our brains work,"said Janette Fennell, president and founder of KidsAndCars.org."If you can forget your keys or your cellphone, you certainly have the capability of forgetting your child."

The temperature inside a car can rise about 20 degrees in just 10 minutes, according to researchers.Heatstroke can happen when a person’s body temperature reaches 104 degrees, and it could turn lethal for children when their body temperature reaches 107 degrees.While the U.S.has experienced record-setting heat in recent years, Mr.Null said he couldn’t specify an exact cause for the increase in child heatstroke deaths because a complex set of factors can play a role.Beyond the temperature outside or where a car is parked, psychological factors can come into play.As such, "there’s not going to be one solution," he said.

Child-safety groups have pushed public-awareness campaigns over the years, and advocated for legislation and new technology in automobiles.A number of states have passed laws forbidding a person from leaving a child unattended in a vehicle because of safety concerns.For several years, advocacy groups have also pushed Congress to pass the Hot Cars Act,which would require new cars to be outfitted with child-safety alert systems.Bills were introduced in the Senate and House of Representatives earlier this year.

Which of the following is the best titlefor the text?

Selective New York City public high schools are supposed to make it easy for families to see their detailed admission criteria, but only a fraction of schools do so, according to a new report from Fordham Law School.Just 20 of 157 screened high-school programs put their rubrics for evaluating applicants online or gave them to researchers upon request, the report said Tuesday.At a time when selectivity in admission to public schools is under scrutiny, the report said families deserve far more information on exactly how students are judged.

In the city’s complex system,eighth-graders competing for seats rank up to 12 choices, selective schools rank applicants, and an algorithm makes matches.The city Department of Education website and high-school directory show general requirements for each school.But the agency has said each school should make available a rubric showing the precise weighting of admission criteria, such as test scores, course grades, attendance and punctuality.Those details help students determine whether they are viable candidates and avoid wasting their picks on programs where they have no shot.

More transparency "could go far in helping some families better navigate the process and level the playing field," said Dora Galacoats, executive director of Fordham’s Feerick Center for Social Justice, which issued the "Screened Out" report.George Westinghouse High School in Brooklyn was one of the few to provide rubrics.It gave 15% of points for attendance, 15% for punctuality, 7.5% for each of the four core course grades, and 40% for state test scores in math and reading.

Department of Education officials said they instruct screened schools annually to make rubrics available, and would remind principals in their next newsletter."We’re committed to a fair and transparent admissions process," said spokeswoman Katie O’Handlon.Screening faces critics who say it exacerbates segregation by race and income, partly because affluent families have more resources to deal with the system and pay for tutoring.Supporters of screening say it helps high-performing students learn at a faster pace.

Researchers at the Feerick Center hunted for admissions rubrics on school websites, sent letters to principals asking for rubrics, and made two rounds of phone calls to high schools,between June 2018 and February.Most of the roughly 77,000 students who applied to high school sought to get into at least one screened program, which offered about 15,700 seats in 2017, the report said.

Selective New York City public high schools should provide parents with______.

Selective New York City public high schools are supposed to make it easy for families to see their detailed admission criteria, but only a fraction of schools do so, according to a new report from Fordham Law School.Just 20 of 157 screened high-school programs put their rubrics for evaluating applicants online or gave them to researchers upon request, the report said Tuesday.At a time when selectivity in admission to public schools is under scrutiny, the report said families deserve far more information on exactly how students are judged.

In the city’s complex system,eighth-graders competing for seats rank up to 12 choices, selective schools rank applicants, and an algorithm makes matches.The city Department of Education website and high-school directory show general requirements for each school.But the agency has said each school should make available a rubric showing the precise weighting of admission criteria, such as test scores, course grades, attendance and punctuality.Those details help students determine whether they are viable candidates and avoid wasting their picks on programs where they have no shot.

More transparency "could go far in helping some families better navigate the process and level the playing field," said Dora Galacoats, executive director of Fordham’s Feerick Center for Social Justice, which issued the "Screened Out" report.George Westinghouse High School in Brooklyn was one of the few to provide rubrics.It gave 15% of points for attendance, 15% for punctuality, 7.5% for each of the four core course grades, and 40% for state test scores in math and reading.

Department of Education officials said they instruct screened schools annually to make rubrics available, and would remind principals in their next newsletter."We’re committed to a fair and transparent admissions process," said spokeswoman Katie O’Handlon.Screening faces critics who say it exacerbates segregation by race and income, partly because affluent families have more resources to deal with the system and pay for tutoring.Supporters of screening say it helps high-performing students learn at a faster pace.

Researchers at the Feerick Center hunted for admissions rubrics on school websites, sent letters to principals asking for rubrics, and made two rounds of phone calls to high schools,between June 2018 and February.Most of the roughly 77,000 students who applied to high school sought to get into at least one screened program, which offered about 15,700 seats in 2017, the report said.

According to Paragraph 2, the precise admission criteria being made available can______.

Selective New York City public high schools are supposed to make it easy for families to see their detailed admission criteria, but only a fraction of schools do so, according to a new report from Fordham Law School.Just 20 of 157 screened high-school programs put their rubrics for evaluating applicants online or gave them to researchers upon request, the report said Tuesday.At a time when selectivity in admission to public schools is under scrutiny, the report said families deserve far more information on exactly how students are judged.

In the city’s complex system,eighth-graders competing for seats rank up to 12 choices, selective schools rank applicants, and an algorithm makes matches.The city Department of Education website and high-school directory show general requirements for each school.But the agency has said each school should make available a rubric showing the precise weighting of admission criteria, such as test scores, course grades, attendance and punctuality.Those details help students determine whether they are viable candidates and avoid wasting their picks on programs where they have no shot.

More transparency "could go far in helping some families better navigate the process and level the playing field," said Dora Galacoats, executive director of Fordham’s Feerick Center for Social Justice, which issued the "Screened Out" report.George Westinghouse High School in Brooklyn was one of the few to provide rubrics.It gave 15% of points for attendance, 15% for punctuality, 7.5% for each of the four core course grades, and 40% for state test scores in math and reading.

Department of Education officials said they instruct screened schools annually to make rubrics available, and would remind principals in their next newsletter."We’re committed to a fair and transparent admissions process," said spokeswoman Katie O’Handlon.Screening faces critics who say it exacerbates segregation by race and income, partly because affluent families have more resources to deal with the system and pay for tutoring.Supporters of screening say it helps high-performing students learn at a faster pace.

Researchers at the Feerick Center hunted for admissions rubrics on school websites, sent letters to principals asking for rubrics, and made two rounds of phone calls to high schools,between June 2018 and February.Most of the roughly 77,000 students who applied to high school sought to get into at least one screened program, which offered about 15,700 seats in 2017, the report said.

George Westinghouse High School is one of the schools that______.

Selective New York City public high schools are supposed to make it easy for families to see their detailed admission criteria, but only a fraction of schools do so, according to a new report from Fordham Law School.Just 20 of 157 screened high-school programs put their rubrics for evaluating applicants online or gave them to researchers upon request, the report said Tuesday.At a time when selectivity in admission to public schools is under scrutiny, the report said families deserve far more information on exactly how students are judged.

In the city’s complex system,eighth-graders competing for seats rank up to 12 choices, selective schools rank applicants, and an algorithm makes matches.The city Department of Education website and high-school directory show general requirements for each school.But the agency has said each school should make available a rubric showing the precise weighting of admission criteria, such as test scores, course grades, attendance and punctuality.Those details help students determine whether they are viable candidates and avoid wasting their picks on programs where they have no shot.

More transparency "could go far in helping some families better navigate the process and level the playing field," said Dora Galacoats, executive director of Fordham’s Feerick Center for Social Justice, which issued the "Screened Out" report.George Westinghouse High School in Brooklyn was one of the few to provide rubrics.It gave 15% of points for attendance, 15% for punctuality, 7.5% for each of the four core course grades, and 40% for state test scores in math and reading.

Department of Education officials said they instruct screened schools annually to make rubrics available, and would remind principals in their next newsletter."We’re committed to a fair and transparent admissions process," said spokeswoman Katie O’Handlon.Screening faces critics who say it exacerbates segregation by race and income, partly because affluent families have more resources to deal with the system and pay for tutoring.Supporters of screening say it helps high-performing students learn at a faster pace.

Researchers at the Feerick Center hunted for admissions rubrics on school websites, sent letters to principals asking for rubrics, and made two rounds of phone calls to high schools,between June 2018 and February.Most of the roughly 77,000 students who applied to high school sought to get into at least one screened program, which offered about 15,700 seats in 2017, the report said.

It can be learned from Paragraph 4 that the possible disadvantage of screening is______.

Selective New York City public high schools are supposed to make it easy for families to see their detailed admission criteria, but only a fraction of schools do so, according to a new report from Fordham Law School.Just 20 of 157 screened high-school programs put their rubrics for evaluating applicants online or gave them to researchers upon request, the report said Tuesday.At a time when selectivity in admission to public schools is under scrutiny, the report said families deserve far more information on exactly how students are judged.

In the city’s complex system,eighth-graders competing for seats rank up to 12 choices, selective schools rank applicants, and an algorithm makes matches.The city Department of Education website and high-school directory show general requirements for each school.But the agency has said each school should make available a rubric showing the precise weighting of admission criteria, such as test scores, course grades, attendance and punctuality.Those details help students determine whether they are viable candidates and avoid wasting their picks on programs where they have no shot.

More transparency "could go far in helping some families better navigate the process and level the playing field," said Dora Galacoats, executive director of Fordham’s Feerick Center for Social Justice, which issued the "Screened Out" report.George Westinghouse High School in Brooklyn was one of the few to provide rubrics.It gave 15% of points for attendance, 15% for punctuality, 7.5% for each of the four core course grades, and 40% for state test scores in math and reading.

Department of Education officials said they instruct screened schools annually to make rubrics available, and would remind principals in their next newsletter."We’re committed to a fair and transparent admissions process," said spokeswoman Katie O’Handlon.Screening faces critics who say it exacerbates segregation by race and income, partly because affluent families have more resources to deal with the system and pay for tutoring.Supporters of screening say it helps high-performing students learn at a faster pace.

Researchers at the Feerick Center hunted for admissions rubrics on school websites, sent letters to principals asking for rubrics, and made two rounds of phone calls to high schools,between June 2018 and February.Most of the roughly 77,000 students who applied to high school sought to get into at least one screened program, which offered about 15,700 seats in 2017, the report said.

We learn from the text that______.

Wells Fargo & Co. said that third-quarter profit fell as lower interest rates hit the bank’s lending profit.Profitat the San Francisco-based bank was $4.61 billion, compared with $6.01 billion in the year-ago period.Per-share earnings were 92 cents.Analysts polled by FactSet had expected $1.24 a share.Revenue came in at $22 billion, up from$21.94 billion a year earlier.Analysts had expected $21.09 billion.

The lender also took a financial hit related to the fake-account scandal that has dogged Wells Fargo since 2016.The bank’s 2016 fake-account issue badly damaged Wells Fargo’s reputation and led to a morass of regulatory problems.

The bank said last month after a six-month search that it would hire Bank of New York Mellon Corp.Chief Executive Charles Scharf as CEO.He starts next week but already has started briefings with the current management team, Chief Financial officer John Shrewsberry said.

Mr.Shrewsberry said on a Tuesday call with analysts that he expects the new CEO to conduct a "complete strategic review" of the bank’s businesses.Mr.Scharf also will be tasked with restoring the bank’s battered reputation and improving its standing with regulators.The bank also must contend with falling interest rates, which hurt profit.The Federal Reserve cut rates twice in the third quarter.

At Wells Fargo, that meant the yield the bank earned on assets such as loans dropped to 3.76% from 3.94% in the prior quarter, while the rate the bank paid on interest-bearing liabilities including customer deposits dropped to 1.46% from 1.50%.Taken together, that pushed the bank’s net interest margin to 2.66% from 2.82% in the previous quarter.

Wells Fargo’s net interest income fell 8% in the third quarter from a year earlier.The bank’s major business lines have struggled since the scandal.What was once an aggressive rapidly growing lender whose profit towered above those of rivals has become a firm with sluggish revenue that is leaning heavily on cost cuts.

Revenue fell year over year in consumer banking and wholesale banking.It rose in the bank’s wealth unit but only due to the gain on the sale of a retirement and trust business.Income from mortgage banking fell even though lower rates meant the bank originated more home loans.The litigation costs also helped push expenses up 10% in the third quarter from a year earlier despite cost-cutting goals.Wells Fargo also paid out more in salary and commission.

According to the first paragraph,Wells Fargo & Co.Encountered______.

Wells Fargo & Co. said that third-quarter profit fell as lower interest rates hit the bank’s lending profit.Profitat the San Francisco-based bank was $4.61 billion, compared with $6.01 billion in the year-ago period.Per-share earnings were 92 cents.Analysts polled by FactSet had expected $1.24 a share.Revenue came in at $22 billion, up from$21.94 billion a year earlier.Analysts had expected $21.09 billion.

The lender also took a financial hit related to the fake-account scandal that has dogged Wells Fargo since 2016.The bank’s 2016 fake-account issue badly damaged Wells Fargo’s reputation and led to a morass of regulatory problems.

The bank said last month after a six-month search that it would hire Bank of New York Mellon Corp.Chief Executive Charles Scharf as CEO.He starts next week but already has started briefings with the current management team, Chief Financial officer John Shrewsberry said.

Mr.Shrewsberry said on a Tuesday call with analysts that he expects the new CEO to conduct a "complete strategic review" of the bank’s businesses.Mr.Scharf also will be tasked with restoring the bank’s battered reputation and improving its standing with regulators.The bank also must contend with falling interest rates, which hurt profit.The Federal Reserve cut rates twice in the third quarter.

At Wells Fargo, that meant the yield the bank earned on assets such as loans dropped to 3.76% from 3.94% in the prior quarter, while the rate the bank paid on interest-bearing liabilities including customer deposits dropped to 1.46% from 1.50%.Taken together, that pushed the bank’s net interest margin to 2.66% from 2.82% in the previous quarter.

Wells Fargo’s net interest income fell 8% in the third quarter from a year earlier.The bank’s major business lines have struggled since the scandal.What was once an aggressive rapidly growing lender whose profit towered above those of rivals has become a firm with sluggish revenue that is leaning heavily on cost cuts.

Revenue fell year over year in consumer banking and wholesale banking.It rose in the bank’s wealth unit but only due to the gain on the sale of a retirement and trust business.Income from mortgage banking fell even though lower rates meant the bank originated more home loans.The litigation costs also helped push expenses up 10% in the third quarter from a year earlier despite cost-cutting goals.Wells Fargo also paid out more in salary and commission.

One of the reasons of Wells Fargo’s financial hit was______.

Wells Fargo & Co. said that third-quarter profit fell as lower interest rates hit the bank’s lending profit.Profitat the San Francisco-based bank was $4.61 billion, compared with $6.01 billion in the year-ago period.Per-share earnings were 92 cents.Analysts polled by FactSet had expected $1.24 a share.Revenue came in at $22 billion, up from$21.94 billion a year earlier.Analysts had expected $21.09 billion.

The lender also took a financial hit related to the fake-account scandal that has dogged Wells Fargo since 2016.The bank’s 2016 fake-account issue badly damaged Wells Fargo’s reputation and led to a morass of regulatory problems.

The bank said last month after a six-month search that it would hire Bank of New York Mellon Corp.Chief Executive Charles Scharf as CEO.He starts next week but already has started briefings with the current management team, Chief Financial officer John Shrewsberry said.

Mr.Shrewsberry said on a Tuesday call with analysts that he expects the new CEO to conduct a "complete strategic review" of the bank’s businesses.Mr.Scharf also will be tasked with restoring the bank’s battered reputation and improving its standing with regulators.The bank also must contend with falling interest rates, which hurt profit.The Federal Reserve cut rates twice in the third quarter.

At Wells Fargo, that meant the yield the bank earned on assets such as loans dropped to 3.76% from 3.94% in the prior quarter, while the rate the bank paid on interest-bearing liabilities including customer deposits dropped to 1.46% from 1.50%.Taken together, that pushed the bank’s net interest margin to 2.66% from 2.82% in the previous quarter.

Wells Fargo’s net interest income fell 8% in the third quarter from a year earlier.The bank’s major business lines have struggled since the scandal.What was once an aggressive rapidly growing lender whose profit towered above those of rivals has become a firm with sluggish revenue that is leaning heavily on cost cuts.

Revenue fell year over year in consumer banking and wholesale banking.It rose in the bank’s wealth unit but only due to the gain on the sale of a retirement and trust business.Income from mortgage banking fell even though lower rates meant the bank originated more home loans.The litigation costs also helped push expenses up 10% in the third quarter from a year earlier despite cost-cutting goals.Wells Fargo also paid out more in salary and commission.

It can be learned from Paragraph 4 that Charles Scharf was expected to____

Wells Fargo & Co. said that third-quarter profit fell as lower interest rates hit the bank’s lending profit.Profitat the San Francisco-based bank was $4.61 billion, compared with $6.01 billion in the year-ago period.Per-share earnings were 92 cents.Analysts polled by FactSet had expected $1.24 a share.Revenue came in at $22 billion, up from$21.94 billion a year earlier.Analysts had expected $21.09 billion.

The lender also took a financial hit related to the fake-account scandal that has dogged Wells Fargo since 2016.The bank’s 2016 fake-account issue badly damaged Wells Fargo’s reputation and led to a morass of regulatory problems.

The bank said last month after a six-month search that it would hire Bank of New York Mellon Corp.Chief Executive Charles Scharf as CEO.He starts next week but already has started briefings with the current management team, Chief Financial officer John Shrewsberry said.

Mr.Shrewsberry said on a Tuesday call with analysts that he expects the new CEO to conduct a "complete strategic review" of the bank’s businesses.Mr.Scharf also will be tasked with restoring the bank’s battered reputation and improving its standing with regulators.The bank also must contend with falling interest rates, which hurt profit.The Federal Reserve cut rates twice in the third quarter.

At Wells Fargo, that meant the yield the bank earned on assets such as loans dropped to 3.76% from 3.94% in the prior quarter, while the rate the bank paid on interest-bearing liabilities including customer deposits dropped to 1.46% from 1.50%.Taken together, that pushed the bank’s net interest margin to 2.66% from 2.82% in the previous quarter.

Wells Fargo’s net interest income fell 8% in the third quarter from a year earlier.The bank’s major business lines have struggled since the scandal.What was once an aggressive rapidly growing lender whose profit towered above those of rivals has become a firm with sluggish revenue that is leaning heavily on cost cuts.

Revenue fell year over year in consumer banking and wholesale banking.It rose in the bank’s wealth unit but only due to the gain on the sale of a retirement and trust business.Income from mortgage banking fell even though lower rates meant the bank originated more home loans.The litigation costs also helped push expenses up 10% in the third quarter from a year earlier despite cost-cutting goals.Wells Fargo also paid out more in salary and commission.

We can infer from the last paragraph that for the bank,______.

Wells Fargo & Co. said that third-quarter profit fell as lower interest rates hit the bank’s lending profit.Profitat the San Francisco-based bank was $4.61 billion, compared with $6.01 billion in the year-ago period.Per-share earnings were 92 cents.Analysts polled by FactSet had expected $1.24 a share.Revenue came in at $22 billion, up from$21.94 billion a year earlier.Analysts had expected $21.09 billion.

The lender also took a financial hit related to the fake-account scandal that has dogged Wells Fargo since 2016.The bank’s 2016 fake-account issue badly damaged Wells Fargo’s reputation and led to a morass of regulatory problems.

The bank said last month after a six-month search that it would hire Bank of New York Mellon Corp.Chief Executive Charles Scharf as CEO.He starts next week but already has started briefings with the current management team, Chief Financial officer John Shrewsberry said.

Mr.Shrewsberry said on a Tuesday call with analysts that he expects the new CEO to conduct a "complete strategic review" of the bank’s businesses.Mr.Scharf also will be tasked with restoring the bank’s battered reputation and improving its standing with regulators.The bank also must contend with falling interest rates, which hurt profit.The Federal Reserve cut rates twice in the third quarter.

At Wells Fargo, that meant the yield the bank earned on assets such as loans dropped to 3.76% from 3.94% in the prior quarter, while the rate the bank paid on interest-bearing liabilities including customer deposits dropped to 1.46% from 1.50%.Taken together, that pushed the bank’s net interest margin to 2.66% from 2.82% in the previous quarter.

Wells Fargo’s net interest income fell 8% in the third quarter from a year earlier.The bank’s major business lines have struggled since the scandal.What was once an aggressive rapidly growing lender whose profit towered above those of rivals has become a firm with sluggish revenue that is leaning heavily on cost cuts.

Revenue fell year over year in consumer banking and wholesale banking.It rose in the bank’s wealth unit but only due to the gain on the sale of a retirement and trust business.Income from mortgage banking fell even though lower rates meant the bank originated more home loans.The litigation costs also helped push expenses up 10% in the third quarter from a year earlier despite cost-cutting goals.Wells Fargo also paid out more in salary and commission.

According to the text, which of the following is true about Wells Fargo & Co.?