Every month, Julia and her cousins would go to visit their grandparents. They would be excited because their grandfather would give them a few coins. Then they would buy toys or sweets. The grandparents commented that, behaving like this, the children would never learn to manage their money. So they planned a special test, in which the children would have to show, over the course of a year, just what they could manage to get with those few coins.
Some thought that they would save their money, but Ruben and Nico continued spending it all on sweets. So they give up saving.
Monty decided to manage his money by exchanging it: buying and selling things, or betting (打赌) it with others. Soon he surprised the whole family. He had accumulated (积聚) lots of money. However, Monty was not very careful, and he got involved in more and more risky deals. A few months later he became penniless after a losing bet. Alex, had a will of iron. He saved the money and at the end of the year he had collected more money than anyone. Even better, with so much money, he managed to buy sweets at a reduced price, so that on the day of the competition he was presented with enough sweets for much more than a year. And even then, he still had enough left over for a toy. He was the clear winner, and other children learned the advantages of knowing how to save and how to wait.
There was also Julia. Poor Julia didn’t enjoy the competition, because even though she had had a wonderful secret plan, she had spent her money without giving her plan enough time to work. However, she was so sure that her plan was a good one, that she decided to carry on with it, and maybe change the expressions on her relatives’ faces, who had seemed to be saying “What a poor girl shel is. She couldn’t manage to save anything”.
When she was about to complete the second year of her plan, Julia surprised everyone by turning up at the grandparents’ house with a violin and a lot of money. She did it really well.
Who saved nothing at the end of the first year?

A．Ruben, Julia and Alex	B．Ruben, Nico and Monty
C．Ruben, Monty and Julia	D．Ruben, Nico and Alex

Why did the grandparents plan a test on the children?

A．Because they wanted the children to learn to spend money.

B．Because they wanted the children to learn to save money.

C．Because they wanted the children to learn to manage money.

D．Because they didn’t want the children to buy toys and sweets any more.

From Monty’s story, the children learned ______________________.

A．to save and to wait.

B．to buy and to sell things

C．to set a achievable goal.

D．to be careful and self-disciplined

The underlined sentence in the fourth paragraph means ______________.

A．Julia will bring disasters to herself and her family.

B．Julia is not good at managing money.

C．Julia is too stupid to do anything well.

D．Julia has so many secrets that nobody likes her.