单选题Whlie the new health insurance regulations may be onerous for large corporations, it can potentially be disastrous for small business owners, who in many cases will have to lay off employees in order to pay for the extended coverage.Ait can potentially be disastrous for small business owners, whoBthey are potential disasters for small business owners, sinceCpotentially they will be disastrous for small business owners, whomDfor small business owners it is a potential disaster,becauseEthey are potentially disastrous for small business owners, who
单选题
Whlie the new health insurance regulations may be onerous for large corporations, it can potentially be disastrous for small business owners, who in many cases will have to lay off employees in order to pay for the extended coverage.
A
it can potentially be disastrous for small business owners, who
B
they are potential disasters for small business owners, since
C
potentially they will be disastrous for small business owners, whom
D
for small business owners it is a potential disaster,because
E
they are potentially disastrous for small business owners, who
参考解析
解析：
根据“regulations”一词可知，填入句子的主语应为复数，故A、D错误；根据句子结构可知，后面部分是定语修饰“small business owners”故本题应选E项。
根据“regulations”一词可知，填入句子的主语应为复数，故A、D错误；根据句子结构可知，后面部分是定语修饰“small business owners”故本题应选E项。
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Leading a dog’s life in America isn’t such a bad thing. Many grocery stores sell pet foods to owners eager to please their pets. In Houston, Texas, dogs can have their dinner delivered to their homes, just like pizza. Well-to-do canines can attend doggy daycare centers while their owners work. Pets can even accompany their owners on vacation. Fancy hotels are beginning to accommodate both man and beast. Furry guests in hotels can enjoy gourmet meals served on fine china and sleep in soft beds.Beneath the furry luxuries, there lies a basic American belief: Pets have a right to be treated well. At least 75 animal welfare organizations exist in America. These provide care and adoption services for homeless and abused animals. Vets can give animals an incredible level of medical care for an incredible price. To pay for the high-tech health care, people can buy health insurance for their pets. And when it’s time to say good -bye, owners can bury their pets in a respectable pet cemetery.The average American enjoys having pets around, and for good reason. Researchers have discovered that interacting with animals lowers a person’s blood pressure. Dogs can offer protection from burglars and unwelcome visitors. Cats can help rid the home of unwanted pests. Little creatures of all shapes and sizes can provide companionship and love. In many cases, having a pet prepares a young couple for the responsibilities of parenthood. Pets even encourage social relationships: They give their owners an appearance of friendliness, and they provide a good topic of conversation.Pets are as basic to American culture as hot dogs or apple pies. To Americans, pets are not just property, but a part of the family. After all, pets are people, too.(1)The word “please” in paragraph 1 line 2 means ().A、to make somebody gladB、to make somebody unhappyC、to invite somebodyD、to treat somebody badly(2)The topic sentence in paragraph 2 is ().A、At least 75 animal welfare organizations exist in AmericaB、Vets can give animals an incredible level of medical care for an incredible priceC、To pay for the high-tech health care, people can buy health insurance for their petsD、Beneath the furry luxuries, there lies a basic American belief: Pets have a right to be treated well(3)“When it’s time to say good-bye” in paragraph 2 line 5 means ().A、when the pet says “good-bye” to the hostB、when the host says “good-bye” to the petC、when the pet diesD、when the pet has to leave(4)Paragraph 3 mainly tells us ().A、every American enjoys having petsB、having pets can do people something goodC、dogs and cats are people’s good friendsD、pets do not encourage social relationships(5)The author writes the last paragraph to show ().A、pets are the same as hot dogs and apple piesB、pets are peopleC、pets are just propertyD、pets are important
ORGANIZING A BUSINESS IN DIFFERENT WAYS Businesses are structured in different ways to meet different needs. The simplest form. of business is called an individual or sole proprietorship. The proprietor owns all of the property of the business and is responsible for everything. Another kind of business is a partnership. Two or more people go into business together. An agreement is usually needed to decide how much of the partnership each person controls. One kind of partnership is called a limited liability partnership. These have full partners and limited partners. Limited partners may not share as much in the profits, but they also have less responsibility for the business. Doctors, lawyers and accountants often form. partnerships to share their risks and profits. A husband and wife can form. a business partnership together. Partnerships exist only for as long as the owners remain alive. The same is true of individual proprietorships. But corporations are designed to have an unlimited lifetime. A corporation is the most complex kind of business organization. Corporations can sell stock as a way to raise money. Stocks represent shares of ownership in a company. Investors who buy stock can trade their shares or keep them as long as the company is in business. A corporation is recognized as an entity-its own legal being, separate from its owners. A board of directors controls corporate policies. The directors appoint top company officers. The directors might or might not hold shares in the corporation. Corporations can have a few major shareholders, or ownership can be spread among the general public. But not all corporations are traditional businesses that sell stock. Some non-profit groups are also organized as corporations.1. This passage is mainly about ().A. why different forms of business runB. when different forms of business raise moneyC. how different forms of business are organized2. What is usually needed to decide the portion of the partnership each person controls?()A. A rule.B. An agreement.C. A regulation.3. Who are not included in limited liability partnerships?()A. Full partners.B. Limited partners.C. Unlimited partners.4. How can corporations raise money?()A. By selling stock.B. By buying stock.C. By holding corporation shares.5. Who controls corporate policies in a corporation?()A. Chairman of the board.B. A board of directors.C. The owner of the corporation.
EXTENDED FAMILY In an extended family, all the people share one household. Apart from parents and children, there may be other family members grandparents, aunts, uncles, cousins, etc. That is to say, a large family may have more than two generations, and often there are more than two adults from different generations of a family. The family members live together for many reasons. They may help to bring up children or to take care of an ill relative. They may also help with saving money. Sometimes children are brought up by their grandparents, for their parents have died or can never take care of them. Many grandparents look after the children,particularly when both parents are busy working. This large family is called extended family. It can be found all over the world. The number of these families has increased by 40 percent in the past ten years. Most of such families live happily together.1. In an extended family, people live in different houses.()2. An extend family includes at least three generations.()3.In an extended family, children are looked after by their grandparents because their parents are traveling around.()4. Extended families can be found all over the world.()5. Children can live happily with their parents and grandparents.()
共用题干Health Insurance（保险）Most Americans are responsible for their own medical costs.These can be extremely high if a person gets very_________(1)or has an accident.So people buy a health insurance plan to make sure these costs will be_________(2).Most American colleges and universities have_________(3)health centers.There may even be a teaching hospital that can treat more serious__________(4).Some medical services may be included in the cost of attending a school.But health insurance is usually needed for extra services._________(5)most full-time college students must have insurance.Students may already be protected under their family's health plan.If not,many colleges offer_________(6)own plans.The University of Michigan will be our example.Students pay a health service fee. Then there is no extra charge when they are treated for minor__________(7)problems at the University Health Center. But the school wants students to have health insurance to pay_______(8)other services.The insurance plan________(9)by the university costs about one thousand seven hundred dollars a year. Such health insurance_________(10)generally pay for hospital services,emergency room care and visits to doctors.They___________(11)do not pay for care of the teeth.And they usually do not pay for treatment of medical conditions that existed________(12)the student arrived at school.International students at the University of Michigan have two________(13).They can buy the university health plan.Or they can________(14)private insurance that is approved by the university.The school also offers a special International Student Insurance Plan.This pays for most of the services offered__________(15)the University Health Center that are not included in the health service fee._________(12) A: after B: if C: before D: since
共用题干第二篇As we have seen,the focus of medical care in our society has been shifting from curing disease to preventing disease一especially in terms of changing our many unhealthy behaviors,such as poor eating habits,smoking,and failure to exercise.The line of thought involved in this shift can be pursued further. Imagine a person who is about the right weight , but does not eat very nutritious（有营养的）foods , who feels OK but exercises only occasionally , who goes to work every day , but is not an outstanding worker,who drinks a few beers at home most nights but does not drive while drunk, and who has no chest pains or abnormal blood counts,but sleeps a lot and often feels tired.This person is not ill.He may not even be at risk for any particular disease.But we can imagine that this person could be a lot healthier.The field of medicine has not traditionally distinguished between someone who is merely "not ill" and someone who is in excellent health and pays attention to the body's special needs.Both types have simply been called "well".In recent years,however,some health specialists have begun to apply the terms "well" and "weilness" only to those who are actively striving to maintain and improve their body's condition.Most importantly,perhaps,people who are well take active responsibility for all matters related to their health.Even people who have a physical disease or handicap（缺陷）may be "well" ,in this new sense,if they make an effort to maintain the best possible health they can in the face of their physical limitations."Wellness" may perhaps best be viewed not as a state that people can achieve,but as an ideal that people can strive for. People who are well are likely to be better able to resist disease and to fight disease when it strikes.And by focusing attention on healthy ways of living,the concept of weilness can have a beneficial impact on the way in which people face the challenges of daily life.The first paragraph implies that_________.A:good health is more than not being illB:sleeping a lot could be harmfulC:regular health checks are essential to keeping fitD:prevention is more difficult than care
共用题干Health Insurance（保险）Most Americans are responsible for their own medical costs.These can be extremely high if a person gets very_________(1)or has an accident.So people buy a health insurance plan to make sure these costs will be_________(2).Most American colleges and universities have_________(3)health centers.There may even be a teaching hospital that can treat more serious__________(4).Some medical services may be included in the cost of attending a school.But health insurance is usually needed for extra services._________(5)most full-time college students must have insurance.Students may already be protected under their family's health plan.If not,many colleges offer_________(6)own plans.The University of Michigan will be our example.Students pay a health service fee. Then there is no extra charge when they are treated for minor__________(7)problems at the University Health Center. But the school wants students to have health insurance to pay_______(8)other services.The insurance plan________(9)by the university costs about one thousand seven hundred dollars a year. Such health insurance_________(10)generally pay for hospital services,emergency room care and visits to doctors.They___________(11)do not pay for care of the teeth.And they usually do not pay for treatment of medical conditions that existed________(12)the student arrived at school.International students at the University of Michigan have two________(13).They can buy the university health plan.Or they can________(14)private insurance that is approved by the university.The school also offers a special International Student Insurance Plan.This pays for most of the services offered__________(15)the University Health Center that are not included in the health service fee._________(13) A:choices B: conditions C:terms D:cases
共用题干Health Insurance（保险）Most Americans are responsible for their own medical costs.These can be extremely high if a person gets very_________(1)or has an accident.So people buy a health insurance plan to make sure these costs will be_________(2).Most American colleges and universities have_________(3)health centers.There may even be a teaching hospital that can treat more serious__________(4).Some medical services may be included in the cost of attending a school.But health insurance is usually needed for extra services._________(5)most full-time college students must have insurance.Students may already be protected under their family's health plan.If not,many colleges offer_________(6)own plans.The University of Michigan will be our example.Students pay a health service fee. Then there is no extra charge when they are treated for minor__________(7)problems at the University Health Center. But the school wants students to have health insurance to pay_______(8)other services.The insurance plan________(9)by the university costs about one thousand seven hundred dollars a year. Such health insurance_________(10)generally pay for hospital services,emergency room care and visits to doctors.They___________(11)do not pay for care of the teeth.And they usually do not pay for treatment of medical conditions that existed________(12)the student arrived at school.International students at the University of Michigan have two________(13).They can buy the university health plan.Or they can________(14)private insurance that is approved by the university.The school also offers a special International Student Insurance Plan.This pays for most of the services offered__________(15)the University Health Center that are not included in the health service fee._________(6)A: our B:its C:his D:their
共用题干Health care in the US is well known but very expensive.Paying the doctor's bill after a major illness or accident can cost hundreds of thousands of dollars.In the US,a person's company,not the government,pays for health insurance.Employers have contracts with insurance companies,which pay for all or part of employees' doctors' bills.The amount that the insurance company will pay out to a patient differs wildly.It all depends on what insurance the employer pays.The less the boss pays to the insurance company,the more the employee has to pay the hospital each time he or she gets sick.In 2004,the average worker paid an extra $558 a year,according to a San Francisco report.The system also means many Americans fall through the cracks（遭遗漏）.In 2004,only 61 percent of the population received health insurance through their employers,according to the report. The unemployed,self-employed,part-time workers and graduated students with no jobs were not included.Most US university students have a gap between their last day of school and their first day on the job.Often,they are no longer protected by their parents' insurance because they are now considered independent adults.They also cannot buy university health insurance because they are no longer students.Another group that falls through the gap of the US system is international students.All are required to have health insurance and cannot begin their classes without it. But exact policies（保险单）differ from school to school.Most universities work with health insurance companies and sell their own standard plan for students.Often,buying the school plan is required,but luckily it's also cheaper than buying directly from the insurance company.In the US,graduated students with no jobs can buy university health insurance.A:Right B:Wrong C:Not mentioned
共用题干Health care in the US is well known but very expensive.Paying the doctor's bill after a major illness or accident can cost hundreds of thousands of dollars.In the US,a person's company,not the government,pays for health insurance.Employers have contracts with insurance companies,which pay for all or part of employees' doctors' bills.The amount that the insurance company will pay out to a patient differs wildly.It all depends on what insurance the employer pays.The less the boss pays to the insurance company,the more the employee has to pay the hospital each time he or she gets sick.In 2004,the average worker paid an extra $558 a year,according to a San Francisco report.The system also means many Americans fall through the cracks（遭遗漏）.In 2004,only 61 percent of the population received health insurance through their employers,according to the report. The unemployed,self-employed,part-time workers and graduated students with no jobs were not included.Most US university students have a gap between their last day of school and their first day on the job.Often,they are no longer protected by their parents' insurance because they are now considered independent adults.They also cannot buy university health insurance because they are no longer students.Another group that falls through the gap of the US system is international students.All are required to have health insurance and cannot begin their classes without it. But exact policies（保险单）differ from school to school.Most universities work with health insurance companies and sell their own standard plan for students.Often,buying the school plan is required,but luckily it's also cheaper than buying directly from the insurance company.All employees in the US have the same kind of health insurance.A:Right B:Wrong C:Not mentioned
共用题干Health Care in the USHealth care in the US is well-known but very expensive.Paying the doctor's bill after a major illness or accident can cost hundreds of thousands of dollars.In the US,a person's company,not the government,pays for health insurance. Employers have contracts with insurance companies,which pay for all or part of employees' doctors' bills.The amount that the insurance company will pay out to a patient differs wildly. It all depends on what insurance the employer pays.The less the boss pays to the insurance company,the more the employee has to pay the hospital each time he or she gets sick. In 2004,the average worker paid an extra US$558 a year,according to a San Francisco report.The system also means many Americans fall through the cracks（遭遗漏）.In 2004, only 61 percent of the population received health insurance through their employers, according to the report. The unemployed,self-employed,part-time workers and graduated students with no jobs were not included,Most US university students have a gap between their last day of school and their first day on the job.Often,they are no longer protected by their parents' insurance because they are now considered independent adults.They also cannot buy university health insurance because they are no longer students.Another group that falls through the gap of the US system is international students.All are required to have health insurance and cannot begin their classes without it,But exact policies（保险单）differ from school to school.Most universities work with health insurance companies and sell their own standard plan for students.Often,buying the school plan is required,but luckily it's also cheaper than buying direct from the insurance company. All international students in the US have to buy health insurance.A:Right B:Wrong C:Not mentioned
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one. It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many. According to the passage, insurance company will protect individuals from the losses EXCEPTA.propertyB.firesC.accidentsD.getting old
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one. It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many. Which of the following statements is NOT TRUE?A.The first rule of the game in insurance business was devised hundreds of years ago.B.There are many agents who sell insurance policies and collect premiums on behalf of underwriters.C.An individual who pays premium for a policy is insured by an insurance company.D.An individual pays premium directly to an insurance company.
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one. It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many. Which of the following statements is true?A.Premium is a small amount of money you pay for your losses.B.If an individual didn't have a loss, premium was not wasted, because he didn't need to worry about unpredictable events.C.An insurance agent holds premiums paid by the thousands.D.The premium will be refund if an individual does not have a lose.
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one. It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many. The money the insurance used to pay for an individual′ s loss comes from ___________.A.the premium paid by the person previouslyB.the insurance company's investmentC.the premiums paid by other personsD.all of the above
What is indicated in the e-mail?A.Sally Kleinman is a new employee of Griffin CorporationB.Griffin Corporation employees have asked for extended hours of operation at the fitness centerC.Joseph Santiago will teach safety training coursesD.Griffin Corporation employees can take group fitness classes for free
As recently as three decades ago,many Americans believed that using credit was an unwise and?dangerous way to pay for what they bought．Some even thought that owing money to a store or a?credit company was something to be ashamed of．Good citizens,they believed,always bought what?they wanted with real money and they paid the full price immediately．Today,however,all that has changed．Credit,as some observers have noted,has become a?way of life in the United States．More and more Americans now are depending on those small pieces?of plastic,credit cards,to pay for large purchases such as televisions,record players or furniture．Many people today would consider it unusual not to use a credit card to pay for a costly restaurant?dinner,a hotel room or an airline trip．And there are some situations in which Americans must have?credit cards．If they want the temporary use of a car,for example,they first must give the car rental?company the number of their credit card．That number is considered a guarantee that they will return?the car and pay for using it．Credit cards offer two major services to Americans．First of all,they are easier and safer to?carry than large amounts of money．Second,they permit people to borrow,to have the immediate?pleasure of owning something,even if they do not have enough money to pay for it at the time．With?credit cards people pay for goods or services at the end of each month instead of when they buy them．And when the time does come to pay,most credit cards offer people a choice．They can pay all of?what they owe for the month or they can just pay usually between 5 and 10 percent of what they owe．What advantage can credit card holders have?A.They can choose not to pay for their purchases．B.They can easily borrow money at a lower interest．C.They can own something before they actually pay for it．D.They can pay only a small amount of what they owe．
Many people use wood stoves and fireplaces to heat their homes．Scientists have become worried about the smoke that they give off．Harmful chemicals are in the smoke．The smoke is causing air pollution．The pieces of pollution,called soot,are floating in the air．They are too tiny to see．Scientists must use a microscope to see them. Small amounts of soot are safe,but large amounts can be dangerous．The govenment wants to limit this kind of pollution．It may stop people from using their fireplaces. The air is tested every day．When soot levels are high,more than 65 micrograms of soot per cubic meter,factories must stop making smoke．The government thinks that limit should be much lower.Factories produce the most smoke and soot．But the government thinks that all types of burning should be limited．The soot levels from factories and homes could be limited．Home owners may have to install new wood stoves that they comply with the new law．Or,they may not be able to bum on days when the air quality is bad. Residents of some towns are fined if they violate the burning ban．Scientists hope these new regulations will make the air cleaner and less harmful to breathe.What could home owners do to comply with the new regulation?A.Write a letteB.Ask for permissioC.Use more electricitD.Install new low-soot fireplace
Many people use wood stoves and fireplaces to heat their homes．Scientists have become worried about the smoke that they give off．Harmful chemicals are in the smoke．The smoke is causing air pollution．The pieces of pollution,called soot,are floating in the air．They are too tiny to see．Scientists must use a microscope to see them. Small amounts of soot are safe,but large amounts can be dangerous．The govenment wants to limit this kind of pollution．It may stop people from using their fireplaces. The air is tested every day．When soot levels are high,more than 65 micrograms of soot per cubic meter,factories must stop making smoke．The government thinks that limit should be much lower.Factories produce the most smoke and soot．But the government thinks that all types of burning should be limited．The soot levels from factories and homes could be limited．Home owners may have to install new wood stoves that they comply with the new law．Or,they may not be able to bum on days when the air quality is bad. Residents of some towns are fined if they violate the burning ban．Scientists hope these new regulations will make the air cleaner and less harmful to breathe.What happens to some residents who bum too much wood?A.They could lose their homeB.They pay for the punishmenC.They get sick from the smokD.The fire could get out of contro
资料：（一）Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.The phrase “the pool of contributions”in the first paragraph means______.A.the money paid by the insurersB.the cost of administering insuranceC.the money paid by the insuredD.the amount of each premium
资料：（一）Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.It seems that the author thinks the insurance is______.A.a form of gamblingB.a way of making money quicklyC.useful and necessaryD.old-fashioned
资料：（一）Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.According to this passage, insurance is possible because______.A.only a small proportion of the insured suffer lossB.everyone at some time suffers lossC.nearly everyone suffers lossD.only insured people suffer loss
资料：Poor health is not only damaging to employees, it is detrimental to businesses." Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and substance abuse." says Rubin."Up to 90% of all doctor visits in the United States are for stress-related illnesses, "according to Dr. Mehet Oz of the Dr. Oz Show.Chronic stress has a variety of negative side effects such as weight gain, lower immune system, increased risk of disease, and fatigue. Employers should encourage employees to reduce stress levels and improve their overall health.The first step is to educate employees on health topics. Provide reading materials or offer seminars. People can't make positive changes if they don't know what to change.Once employees know about health topics such as stress, exercising, and healthy eating. start a health related competition such as the Biggest Loser. This offers employees motivation and a support system. If the entire office is involved, employees will be more likely to accomplish their goals.To help employees make positive lifestyle changes, have a kitchen equipped with a refrigerator and microwave to prepare healthy amounts of exercise throughout the day are beneficial.According to Dr. Oz, "Exercise releases serotonin and dopamine. the feel-good hormones that become blocked during stress. Walking stairs is a great workout. One study showed that walking stairs 7 minutes a day reduces the risk of heart disease by two-thirds."If possible, offer a company discount on gym memberships. This will encourage to make positive choices outside of the office and to exercise regularly.What can be inferred from these paragraphs?A.It is helpful to the company if the employers can lay off employees with health issues.B.Company discount on gym memberships will surely improve employees’ frequency of exercise.C.Most Americans have suffered from stress-related illnesses.D.To make sure that the employees are aware of the importance of physical and mental health is essential to promote good health in a company.
资料：Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized voluntary benefits. Voluntary benefits are on longer looked at as just a few “extras”, and are now becoming part of a comprehensive benefits package. Lot's take a look at how voluntary benefits have become more customized to meet the requirements of a more particular health care consumer.Voluntary Benefits Bolster Recruitment and Retention EffortsIt gives employees a chance to select extras that the standard health care plan doesn't offer, which can be highly attractive to today's consumers Employers can also use voluntary benefits to round out their health care plans with a menu of items that cover everything from family vision care to pet insurance. This helps companies to address the specific heath and financial needs of candidates, to help the stretch their future paychecks even further.The Advantages of Offering Voluntary Employee BenefitsIn terms of being adaptable to the needs of employees, there are very few benefits that are like voluntary plans. Voluntary plans cover many of the gaps that traditional health benefits do not cover. For example, a health care plan may require dental services for minors, but not for adults. The voluntary dental program can cover things like routine cleanings and other preventative measures that help support good oral health. Customizing Voluntary Benefit PlansThere are several areas where voluntary benefit plans exceed the customization options of other types of wellness and financial benefits. This is a continual trend that we will see more of. Financial wellness benefits can include budgeting software, company matched savings plans, employee purchase programs, discount cards, credit union access, and even short term financing to help employees who otherwise cannot get credit to purchase things they need. Some companies offer support for buying of leasing vehicles, pay off college loans, arrange for special discounts and deals on home rentals and purchases, and even provide access to tuition for college expenses.It can be inferred from the passage that, comparing with the traditional health benefits, voluntary plans______A.incur less cost by the company to offer benefit programs.B.cover many of the gaps that traditional health benefits do not cover.C.help employees who are dealing with tough personal and career matters.D.encourage employees to stay with their companies for longer periods of time.
资料：（一）Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.Old-fashioned wording is sometimes used in insurance policies because______.A.law courts have decided not to use fashionable wordsB.it is widely accepted by all the insuredC.it enables ordinary people to understand it easilyD.the meaning of such wording has been agreed upon
共用题干Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Paragraph 3______A:What's the Main Problem of Earthquake Insurance?B:What Damages Can an Earthquake Cause?C:How to Buy an Earthquake Insurance?D:What Is an Earthquake Insurance?E:Where Does Earthquake Happen Frequently? F: What Does an Earthquake Insurance Contain?
问答题Practice 10 Every British citizen who is employed (or self-employed) is obliged to pay a weekly contribution to the national insurance and health schemes. An employer also makes a contribution for each of his employees, and the Government too pays a certain amount. This plan was brought into being in 1948. Its aim is to prevent anyone from going without medical services, if he needs them, however poor he may be; to ensure that a person who is out of work shall receive a weekly sum of money to subsist on; and to provide a small pension for those who have reached the age of retirement. Everyone can register with a doctor of his choice and if he is ill he can consult the doctor without having to pay for the doctor's service, although he has to pay a small charge for medicines. The doctor may, if necessary, send a patient to a specialist, or to hospital~ in both cases treatment will be given without any fees being payable. Those who wish may become private patients, paying for their treatment, but they must still pay their contributions to the national insurance and health schemes.
单选题Since red flags are likely to be raised at the IRS by the reporting of gambling income, business owners who declare their income as business revenue is less likely to receive an audit.ASince red flags are likely to be raised at the IRS by the reporting of gambling income, business owners who declare their income as business revenue is less likely to receive an andit.BBecause the reporting of gambling income is likely to raise red flags at the IRS, business owners can reduce their chances of receiving an audit by declaring that income as business revenue.CBusiness owners can reduce their chances of receiving an audit by declaring the income as business revenue, since the reporting of gambling income is likely to raise red flags at the IRS.DTheir chances of receiving an audit are reduced by business owners who report that income as business revenue. because the reporting of gambling income is likely to raise red flags at the IRS.EThe reporting of that income as business revenue can reduce the chances of business owners of receiving an audit, because of the red flags not having been raised at the IRS by the reporting of gambling income.