Read the following pasage and mark the letter A. B, C or D on your answer sheet to indicate the correct answer to each of the questions from 41 to 48.

Another critical factor that plays a part in susceptibility to colds is age. A study done by the University of Michigan School of Public Health revealed particulars that seem to hold true for the general population. Infants are the most cold-ridden group, averaging more than six colds in their first year. Boys have more colds than girls up to age three. After the age of three, girls are more susceptible than boy's , and teenege girls average three colds a year to boy’s two.

The general incidence of continues to decline into maturity. Elderly people who are in good health have as few as one or two colds annually. One exception is founds among people in the twentics, especially women, who show a rise in cold infections, because people in this age group are most likely to have young children. Adults who delay having children until thirties forties experience the same sudden increase in cold infections.

The study also found that economics play an important role. As income increases, the frequency at which are reported in the family decreases. Families with the lowest income suffer about a third more colds than families at the lower end. Lower income generally forces people to live in more cramped quarters than those typically occupied by wealthier by wealthier people, and crowding increses the opportunities for the cold virus totravel from person to person. Low income may also adversely influence diet. The degree to which poor nutrition affects susceptibility to colds is not yet clearly established, but an inadequate diet is suspected of lowering resistance generally.

(source: TOEFL reading)

It maybe inferred from the passage that which of the following groups of people is most likely to catch colds?

The effects of literacy often extend______ personal benefits.