借款人无力偿还贷款，即使处置抵（质）押物或向担保人追偿也只能收回很少部分，预计贷款损

The new iPhone 3G should please everyone. Its look and feel are only slightly improved, but a faster network loads Web pages more quickly, true GPS functionality allows it to easily find places nearby, and the new $199 price (down from $400) makes it an affordable luxury.
Before deciding whether to buy, however, make sure you can actually take advantage of the iPhone 3G's high-speed data network. 3G stands for third-generation, which in non-geek speak translates to Web pages and mail messages that, ideally, load about three times faster than on the original iPhone. Even better, 3G coverage enables you to make a phone call and surf the Web at the same time. That's great, if you live or work in a place where the 3G network of AT&T（美国电话电报公司） (the sole wireless carrier of the iPhone) is active. That's not so great in cities like New York where AT&T's cellular coverage is awful. As one of my colleagues in New York City, who bought the original iPhone, commented, "It's just a toy. You can't make phone calls on it, so I carry my Verizon phone with me all the time."
The real fun begins when you tap on the icon called "App Store" and start browsing the hundreds of add-on applications that have been developed just for the iPhone. You'll find tons of games (I like JirboBreak, a free game inspired by the Atari classic Breakout) and mobile versions of popular websites like Pandora, Facebook, MySpace and the New York Times. Most apps will cost you, but the vast majority are $9.99 or less. The apps work on the old iPhones too, but you'll enjoy them a lot more on the iPhone 3G because many of the programs, including Yelp (local business reviews), Whrrl (mobile social networking) and UrbanSpoon (restaurant reviews), use your exact location — provided by the iPhone 3G's GPS chip — to make recommendations. The apps also load much faster over the 3G network.
小题1:The new iPhone 3G has following features except that _______

A．It looks and feels better	B．It has a faster network
C．It is easy to locate a place	D．It is too expensive for people to buy

小题2:Why do one of my colleagues carry Verizon phone with him all the time? ______.

A．Because iPhone 3G is just a toy.

B．ecause he prefers Verizon phone better.

C．Because AT&T's cellular coverage is terrible there

D．Because Verizon phone enables him make a phone call and surf the Web at the same time

小题3:Which of the following statements is NOT true according to the passage. ____.

A．App Store will offer you great fun.	B．many apps have been developed for the iPhone.
C．Most apps are very expensive.
D．Pandora, Facebook, MySpace and the New York Times are popular websites.

小题4:From the passage we know that the attitude of the author toward iPhone 3G is _____.

A．doubtful

B．appreciative

C．optimistic

D．pessimistic