In order to improve the long-term savings rate of its citizens, Levaska's government has decided to introduce special savings accounts. Citizens can save up to $3,000 a year in special accounts without having to pay tax on the interest, unless they withdraw money from the account before they reach the age of sixty-five. If they do withdraw any money before that age, they have to pay tax on the accumulated interest and a penalty.

Which of the following, if true, most seriously threatens the success of the government's plan?


The banks and financial institutions where the special accounts will be held lobbied hard for their introduction.

Nearly all workers in Levaska can already save money in tax-free accounts through their workplace.

For the past ten years, Levaskans have been depositing an ever smaller percentage of their income in long-term savings.

Many Levaskans continue to work beyond the age of sixty-five.

In certain circumstances, such as a serious illness, the government plans to waive the penalty on early withdrawals from the special accounts.

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考题讲解

情景：为了让人民进行长期存款，Levaska政府决定弄出一个特殊账户。这个账户对长期存款具有一系列福利措施。

推理：本题直接让我们评估方案的好坏，因此肯定是方案推理。
推理结构为： 
目标：To improve the long-term savings rate of its citizens 
方案：Introduce special savings accounts

选题方式：方案推理有三个评估方向，简而言之，即，答案选项一定和方案的内容相关。

选项分析：

A选项：特殊账户所在的银行和金融机构努力地劝服大家应用该账户。如果银行不让人们应用这个账户，那么很显然会影响方案的可操作性。属于CQ2：方案的可操作性问题。但是本题问的是削弱，本选项可以加强推理文段，因此可以排除。

B选项：Correct. 几乎所有Levaska的工作者都可以在他们工作的地方将钱存在免税的账户中。如果现在已经存在免税的账户，那么这个特殊账户的刺激因素就会失效，使得方案无法达成目标。属于CQ1:方案的可行性问题。

C选项： 在过去的10年中，Levaska人把更少比例的收入存储在长期账户上。本选项和方案无关。

D选项：许多人在六十五岁后仍然工作。本选项和方案无关。

E选项：在某些特殊的情形下，比如疾病，政府打算取消掉因提早支取而带来的罚款。本选项虽然提及的方案，但是无论是不是所有情况都罚款，只要能免税，就可以增加公民的长期存款率。因此本选项不符合三个CQ方向。

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Prep2008E1-CR
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