听力文本：

Passage 3
短文三
Research studies of women in North America have found that women are far more likely to save for their children's education, and they are also more likely to save up in order to buy a house one day.
对北美女性进行的调查研究发现，两个最有可能让她们决定存钱的的原因是孩子的教育和购买房屋BkQI;Gc^sPtZxIW。
The same studies have found that men, on the other hand, tend to save for a car.
而类似的研究发现，男性存钱的目的往往是买车zfw8yGp=(XQ;o,G。
But the other main priority for men when saving money is their retirement.
但是男性存钱的另一个重要原因是养老C4Mh&_2!I&U。
When they're earning, they're far more likely to put money aside for their old age than women are.
又赚钱能力的时候，男性比女性更趋向于为养老做准备R37bKh%&KH5gm!_+bK6。
This is rather disturbing, because in fact the need for women to save for their old age is far greater than for men.
这一现象令人十分不安PyUYmo*5aVI24PP!6^。因为事实上女性为养老存钱的必要远远超过男性XGyef2oqS[J2zze。
To start with, it is a fact that throughout the world, women are likely to live many years longer than men, so they need money to support them during this time.
首先，女性比男性寿命长——这在世界上各个国家都是一个不争的事实，因此在伴侣辞世之后她们才更需要钱来养活自己@AxWTo_5849n&4_6cs。
Furthermore, the high divorce rates in North America are creating a poverty cycle for women.
其次，北美国家的高离婚率使很多女性陷入贫困循环Z[yNlrxJ^]Pm。
It is the divorced women who will most often have to look after the children and thus they need more money to look after not just themselves but others.
离婚的女性往往是单独抚养孩子的一方，因此除了养活自己之外她们还有另外的负担DqOWMGs*x|)5K。
Women today need to look ahead, think ahead. They can be given advice on different ways of saving.
如今的女性需要目光长远DR+]!]c6aQzx#.]l%8p。她们其实有很多可以省钱的途径|1OF48W^1=esZ|i!。
Many women are unwilling to invest in stocks and shares, for instance, but these can be extremely profitable.
比如，很多女性不愿意投资证券股票，但是这其实是极其高回报的理财方式@%*C)+og67T7Q。
It is usually advised that at least 70% of a person's savings should be in low-risk investments but for the rest, financial advisors often advise taking some well-informed risks.
一个人存款的70%应该进行低风险投资，而剩下的30%，理财专家经常建议将其用于一些有把握的高风险投资[0YFodFcEk3~。
Initiatives such as this can give women the economic skills and knowledge they need for a comfortable, independent retirement.
类似的专家建议可以让女性掌握一些理财技巧和知识，以保她们独立地安享晚年的4eUy[NH+w|0rq。
Questions 23-25 are based on the passage you have just heard.
请根据你刚听到的短文回答23-25题.CD_zxB0]h5pkM,v。
23. What do the studies of women in North America find?
23.对北美女性的研究有什么发现？
24. Why is the need for women to save greater than men?
24.为什么女性比男性更需要攒钱？
25. How should women do with their saving?
25.女性应该怎样管理自己的存款？

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