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2022年浙江省杭州市公共英語五級(jí)(筆試)測(cè)試卷(含答案)學(xué)校:________班級(jí):________姓名:________考號(hào):________
一、1.ListeningComprehension(15題)1.Accordingtothewoman,whyarewomenmuchbetteratdealingwithmorethanonethingatatime,butmenarenotasgood?
A.Becausewomenhavebetterabilities.
B.Becausemenarenotusedtohousework.
C.Becausemenlackpractice,
D.Becausemenfinditeasytoconcentrateononlyonething.
2.InwhichyeardidColumbustakechilipeppertoSpain?
3.PartC
Directions:Youwillhearatalk.Asyoulisten,answerthequestionsorcompletethenotesinyourtestbookletforQuestions21-30bywritingNOTMORETHANTHREEwordsinthespaceprovidedontheright.YouwillhearthetalkTWICE.
Younowhave1minutetoreadQuestions21-30.
聽力原文:Todaywetakeitforgrantedthatthemailwillbedelivereddailyatourdoor.Butmanyyearsagoitmighthavebeenplacedinatreetrunkorunderneatharock.Intheearlydaysofthemailnoonecouldbesureaboutwhereorwhenitwouldarrive.
AtthesoutherntipofAfricatherewasonceapostofficeunderarock.IntheolddaystheroutefromEnglandtoIndiawasaroundtheCapeofGoodHope.Thejourneywasstormyanddangerous.Ittooksixlongmonths.Sailorsoftenwishedtosendmailhome.buttheyseldommetshipsboundbacktoEngland.Soatthecapethesailorswouldgoashore.Theyheadedforacertainlargestone.Onthestonewerescratchedthewords“Lookhereunderforletters.”Theywouldleavetheirlettersthere.knowingthatthenexthomeward-boundshipwouldstopandpickthemup.
TherewasanotherpostofficelikethisatthesoutherntipofSouthAmerica.Duringthegoldrushdays,boatssailedaroundCapeHorntoCalifornia.AtCapeHornwasakegnailedtoapost.Boatscomingfromtheeastcoastwouldsendasmallboatashoretothispostoffice.Theypickedupanylettersinthekeg.Atthesametimetheymailedlettershomethatboatssailingeastcouldpickup.
InthestateofWashingtonstandsthestumpofahugecedar.It,too,wasonceapostoffice.Settlersneededaplaceforthemailcarrierstoleavetheirletters.Theirhousesweresowidelyscatteredthatthemailcarriercouldnotreachallofthem.a(chǎn)ndthepostofficewasfarawayoverroughroads.Sothesettlersfoundatreethatstoodwhereseveraltrailscrossed.Theycutthetreedowntenfeetfromtheground.holloweditout.a(chǎn)ndcovereditwitharoof.Inside,theynailedarowofwoodenboxes.Eachboxwasmarkedwithafamily'sname.Themailcarriercouldleavelettersthereforeveryoneformilesaround.
ForthefirstfewyearsaftertheEnglishcolonistscarnetoAmerica,therewasnoregularpostalservice.Peoplegavetheirletterstoanytravelerwhohappenedtobegoingintherightdirection.Oftentheygavethemtoapeddleroratravelingshoemaker.Whenthetravelerreachedthetownwheretheletterwasgoing,hemightstopataninn.Hewouldleavethelettersthere.Buttheretheystayeduntilthepersontheywereaddressedtohappenedtocomebyandstoppedattheinn.
WhataboutplaceslikeVirginiawheretherewereveryfewinns?Peoplewhowishedtosendletterswouldleavethematoneofthelargeplantations.Theownersoftheplantationwouldthensendthelettersontoaneighbor.Theneighborwoulddothesame.Itwasaslowmailsystem.
Aftermanyyears,regularmailcarriersonhorsebackwerehired.Theywentfromonebigtowntoanother.BetweenNewYorkandBoston,forexample.therewasone“postrider”amonth.Hetraveledonlybydayandtooktwoweeksforthetrip.Oftenthepostriderleftallthemailforawholetownatacrossroadsstore.ItstilltookmanyweeksforalettertoreachthepersonItwasaddressedto.
Finally,abouttwohundredyearsago,BenjaminFranklinwasmadepostmasterforallthecolonies.Hisfirstactwastomakealongjourneytofindoutthebestroutesforcarryingthemail.Thenhesetupalineofpoststationbetweenthenorthernandsoutherncolonies.Heorderedhispostriderstotravelbynightaswellasbyday.
Franklin'spostriderscouldcarrymorelettersinashortertimefromonecolonytoanother.TheletterservicehelpedtheyoungAmericancolonieslearnmoreabouteachother.Theylearnedthattheywereallinterestedinthesamethings.Thisgavethemthefeelingofunitythatlaterhelpedthemwintheirindependence.
4.Ifyoupokeyourtongueintoaholeofyourteeth,itfeelsverytinyandslim.
A.RightB.Wrong
5.Goodbookscanprovideuswithawiderangeofexperiences.
A.TrueB.Fasle
6.What'stheessentialpointweshouldrealizeaboutspeechandwriting?
7.Howmanypsychologistsarementionedinthetalk?
8.聽力原文:M:Cigarette?
W:No,thankyou.I'vegivenup,youknow.
M:Oh.
W:It'stendaysago.Haven'thadone.
M:Well.youdon'tmindifIhadone.
W:Well,allright,then…Ohmygoodness!That'saterriblecough.
M:No,no,it'snot.It'sonly…Ionlygetitfirstthinginthemorning.
W:That'sgoingtomakeyouveryunfit,youknow.
M:No,it'sallright.Itgoesinaminute.
W:Whydon'tyoutryandgiveup?
M:Oh,no.Ioughtto,butIcan't.Itrelaxesme,smoking.
W:Really?
M:Itdoes.
W:Well,haveyoueverthoughtofjustcuttingdown?
M:Oh,no,that'sallveywellbut…Iwouldn'tenjoyit.Idependabitonmysmoking.Imustsay.
W:Youshoulddoitgradually.Imean…well,ifyoutried…h(huán)aveyouthoughtofjustgivinguponeday?
M:Yes,ohwell,yes,thatisquiteagoodidea.
W:Itis.
M:ButIthinkI'dlosecountorsomething.
W:Ohdear!Well,itmightbeallideaifyoustartedeatingsweets.
M:Ohno.Icouldn'tdothat.Icouldn'tpossibly…
W:Why?
M:Well.itmakesyoufat.
W:Well.doyouthinkthatmatters?Don'tyouthinkitisbettertobefatthantobeunhealthy?
M:No,Idon't.I'dratherbefat…Well,I'dratherbethinthanfat,certainly.
W:Ohdear.Well.Hey!I'vegotagoodidea!
M:What'sthat?
W:Whydon'tyougotoahypnotist?Mysisterdid!
M:Oh,look,youdon'tseemtorealizethatIlikesmoking.IfIgaveitup,ifIdidn'tsmokeatall,I'dprobablyendupattackingpeople!
W:Oh,don'tbesosilly!Ofcourseyouwouldn't!
Whendidthewomangiveupsmoking?
A.Tendaysago.
B.Justthismorning.
C.Aweekago.
D.Justyesterday.
9.PartB
Directions:Youwillhear3conversationsortalksandyoumustanswerthequestionsbychoosingA,B,CorD.YouwillheartherecordingONLYONCE.
聽力原文:Right,everybody.WelcometoCentralCollegelibraryservices.Myname'sKathyJenkins.I'llgiveyouabriefintroductiontothelibrary.Wehaveawell-stockedbankofresourceswhicharelocatedinthreemainplaces:thelibraryitself,withbooksandperiodicals;theself-accesslanguagecentre,withaudioandvideomaterial;andthemicro-computerlab.I'llstartwiththemicro-computerlab,ormicro-labaswecallit.Itisfittedwith24personalcomputers.
Ifyouareamemberofthelibrary,youmayborrowCALLdiscsinFrench,German,Italian,SpanishandRussianaswellasEnglish.Bytheway,CALLstandsforcomputeraidedlanguagelearning:C-A-doubleL,"CALL",forshort.Youmayalsoborrowarangeofwordprocessinganddesktoppublishingpackages.Alldisksare,ofcourse,strictlyforuseinthemicro-labonly.Ifyouwishtoprintanythingyoushoulduseoneofthefivemachinesaroundtheoutsideoftheroom.Fourareconnectedtodotmatrixprinters,oneisconnectedtothelaserprinter.Ifyouwantabetterqualityprintoutfromthelaserprinter,comeandseemeoranyofthelibrarystaff.Dot-matrixprintoutsarefreebutthereisachargeforusingthelaserprinter.Thereisalwaysaqueuetogettotheterminalstowardstheendofterm.Comeinandgettoknowhowtousethecomputersearlyinthetermandusethemregularly,ratherthanjustbeforeexamsandessaydeadlines,inordertoavoiddelayordisappointment.Trainingsessionsareheldonaregularbasis,onthefirstandthirdThursdayofeachmonth,andarefreetofull-timestudentsofthecollege.Seeyouthere.Now,anyquestions?
Whatdoesthespeakersuggestthatthestudentsshoulddoduringtheterm?
A.Consultwithherfrequently.
B.Usethecomputerregularly.
C.Occupythecomputerearly.
D.Waitforone'sturnpatiently.
10.WhendidthisexpressioncomeintotheAmericanLanguage?
A.SometimeaftertheCivilWar.
B.DuringtheSecondWorldWar.
C.WhenpresidentGeorgeBushwasinoffice.
D.DuringtheperiodofIndependenceWar.
11.Whatwouldhappentoastudentifhisemployerreportshisimproperbehavior?
A.Hewouldbefired.
B.Hewouldnotgethispay.
C.Hewouldnotgetanotherjob.
D.Hewouldbefined.
12.Whatisthetalkmainlyabout?
A.Computerlabservices.
B.Collegelibraryfacilities.
C.Theuseofmicro-computers.
D.Printoutsfromthelaserprinter.
13.Chainschoolsoftenchangetheirlocations.
A.TrueB.Fasle
14.Accordingtothespeaker,whydopesticidesposeathreattoamphibians?
A.Pesticidescancauseanamphibian'sskintodryout.
B.Pesticideskilltheinsectsthatamphibiansdependonforfood.
C.Dissolvedpesticidescaneasilyenteramphibian'sbodies.
D.Amphibiansmayeatplantsthathavebeentreatedwithpesticides.
15.PartB
Directions:Youwillhear3conversationsortalksandyoumustanswerthequestionsbychoosingA,B,CorD.YouwillheartherecordingONLYONCE.
聽力原文:M:Now,I'dliketosaythatIthinkthatthisgovernmentproposingtobuildmorenuclearpowerstationsinthiscountryisreallybeingstupid.Thepointaboutnuclearpoweristhatwehaven'tlearnttodoawaywiththewaste.Wehaven'tlearnttocopewiththewastefromityet.
W:Well,Isometimesthinkthat,youknow,they'vegotanimpossiblejob.ImeanalltheimpressionIgetisthatthereisnoalternative…well,that'stheimpressionIget.
M:No,no,noI…Idon'tagreewiththatatall.Thereareplentyofalternatives.There'sthesun…solarpower…thatisasourcethatisalwaysthere,wealwayshaveit.
W:Idon't…Idon'tquiteseewhatyou'regettingatactually,solarpower,what'sthat?
M:Well,theheatfromthesun,itcanbeusedinsolarpanelsonthetopsofhousesforheating,storinguppowertoheatwaterandtoheatthehouses,youknow,somesolarpanelsareinoperationalreadyandtheyaresavingmoney…
W:That'sagoodpointactually,butisitreallyviable,that,ImeanbecauseI'd…
M:Sorryitmustbe!AndtheonegreatadvantageisthatIcansee,ifthegovernmentsetupsmallunitstobuildsolarpanelsandtoinstallthem,itwouldbecreatingemploymentwhichwouldimprovetheunemploymentsituationandbringterrificadvantages.
W:IhaveheardthatinEngland,Imean,there'snotenoughsun,isthere?For,Imean,solarpanelshere?
M:Yes,well,that'snotquitetrue.I…thereisquiteabitofsun…youmaynotfeeltheactualheatofitonsomeoccasions.
W:No,youarefightthere!
M:Butthelightpowerfromthesunwill…
Whatdoesthemanthinkofthegovernment'spresentproposalaboutbuildingmorepowerstationsinthecountry?
A.It'sadangerousproposal.
B.It'sastupidproposal.
C.It'sanadvantageousproposal.
D.It'saviableproposal.
二、2.UseofEnglish(10題)16.(44)
17.(46)
18.
【C2】
19.(42)
20.
【C4】
21.(38)
22.
【C10】
23.
【C19】
24.
【C13】
25.(49)
三、3.ReadingComprehension(15題)26.(79)
27.
Theauthorgaveanexampleinthethirdparagraphinorderto______.
A.emphasizetheneedtoplaceastrongervalueonnationalcooperation
B.explainwhytheAmericanideahasbeenbasedonindividualfreedom
C.illustratethefactthatAmericanswillnotsacrificetheirpersonalinterestforthegoodoftheentirecountry
D.supporttheideathatAmericansneedsthespiritofnationalcooperationtoachieveimportantnationalobjectivesinthe21stcentury
28.PartB
Directions:Inthefollowingarticlesomeparagraphshavebeenremoved.ForQuestions66-70,choosethemostsuitableparagraphfromthelistA-Ftofitintoeachofthenumberedgaps.Thereisoneparagraphwhichdoesnotfitinanyofthegaps.MarkyouranswersonANSWERSHEET1.
Inthefollowingarticlesomeparagraphshavebeenremoved.ForQuestions66~70,choosethemostsuitableparagraphfromthelistA~Ftofitintoeachofthenumberedgaps.ThereisOneparagraphwhichdoesnotfitinanyofthegaps.MarkyouranswersonANSWERSHEET1.
Supermarketshoppershaveneverbeenmorespoiltforchoice.Butjustwhenwethoughttraditionalsystemsofselectivefarminghadcreatedthemosttemptingarrayoffoodsmoneycanbuy,wearenowbeingpresentedwiththeprospectofgeneticallycreatedstrainsofcabbages,onion,tomato,potatoandapple.
Itmaynotticklethefancyoffoodpuristsbutitfirestheimaginationofscientists.LastweektheydiscoveredthattheclassicParisianmushroomcontainsjustthepropertiesthat,whengeneticallymixedwithawildstrainofmushroomfromtheSonoradesertinCalifornia,couldhelpitgrowenmassewhileatthesametimeprovidingitwiththeresilienceofthewildstrain.
66.______
“Wehavefoundawayofincreasingthesuccessratefromoneto90percent.”
Thisisjustoneofthemanyproductsthat,accordingtoskeptics,arecreatingagenerationof“Frankenfoods”.Thefirstsuchfoodthatmaybeconsumedonawidescaleisatomatowhichhasbeengeneticallymanipulatedsothatitdoesnotsoftenasitripens.
67.______
Criticssaythatthenewtomato—whichcost$25milliontoresearch—isdesignedtostayonsupermarketshelvesforlonger.Ithasaten-daylifespan.
Notsurprisingly,every-hungryUSisleadingthesearchfortheseforbiddenfruit.Bychangingthegenesofagrapefruit.a(chǎn)growerfromTexashascreatedasweet,red,thin-skinnedgrapefruitexpectedtosellatapremiumoveritsCaliforniaandFloridacompetitors.
Forchipfanaticswhowanttowatchtheirwaist-lines,newhigh-starch,low-moisturepotatoesthatabsorblessfatwhenfriedhavebeencreated,thankstoagenefromintestinalbacteria.
Thescientistsbehindsuchnewfoodarguethatgeneticengineeringissimplyanextensionofanimalandplantbreedingmethodsandthatbybroadeningthescopeofthegeneticchangesthatcanbemade,sourcesoffoodareincreased.Accordingly,theyargue,thisdoesnotinherentlyleadtofoodsthatarelesssafethanthosedevelopedbyconventionaltechniques.Butifdesirablegenesareswappedirrespectiveofspeciesbarriers,couldthingsspiraloutofcontrol?“Knowledgeisnottoxic,”saidMarkCantley,headofthebiotechnologyunitattheOrganisationforEconomicCo-operationandDevelopment.“Ithasgivenusafargreaterunderstandingofhowlivingsystemsworkatamolecularlevelandthereisnoreasonforpeopletothinkthatscientistsandfarmersshouldusethatknowledgetodoriskythings.”
Clearly,financialincentiveliesbehindthedevelopmentofthesebigger,moreproductivefoods.Butwemayhaveonlyourselvestoblame.Intheearlyperiodofmassfoodcommerce,foodvarietiesweredevelopedbytraditionalmethodsofselectivebreedingtosuitthelocalpalate.Butassuppliersstartedtoselectandpreserveplantvariantsthathadlargerfruit,consumerexpectationsrose,leadingtothedevelopmentofthedesirableclones.Still,traditionalistsandgourmetsinEuropearefightingtheirdevelopment.
68.______
Eveninthepre-packagedUS.wheretheslow-softeningtomatowillsoonbereachingsupermarkets,1,500AmericanchefshavelenttheirsupporttothePureFoodCampaignwhichcallsfortheinternationalboycottofgeneticallyengineeredfoodsuntilmoreisknownabouttheconsequencesofthetechnologyandreliablecontrolshave
29.Theideaofafishbeingabletoproduceelectricitystrongenoughtolightlampbulbs-oreventorunasmallelectricmotor—isalmostunbelievable,butseveralkindsoffishareabletodothis.Evenmorestrangely,thiscuriouspowerhasbeenacquiredindifferentwaysbyfishbelongingtoverydifferentfamilies.
Perhapsthemostknownaretheelectricrays,ortorpedoes,ofwhichseveralkindsliveinwarmseas.Theypossessoneachsideofthehead,behindtheeyes,alargeorganconsistingofanumberofhexagonal-shapedcellsratherlikeahoneycomb.Theceilsarefilledwithajelly-likesubstance,andcontainaseriesofflatelectricplates.Oneside,thenegativeside,ofeachplate,issuppliedwithveryfinenerves,connectedwithamainnervecomingfromaspecialpartofthebrain.Currentgetsthroughfromtheupper,positivesideoftheorgandownwardtothenegative,lowerside.Generallyitisnecessarytotouchthefishintwoplaces,completingthecircuit,inordertoreceiveashock.
Thestrengthofthisshockdependsonthesizeoffish,butnewly-bornonesonlyabout5centimetersacrosscanbemadetolightthebulbofapocketflashlightforafewmoments,whileafullygrowntorpedogivesashockcapableofknockingamandown,and,ifsuitablewiresareconnected,willoperateasmallelectricmotorforseveralminutes.
Anotherfamousexampleistheelectriceel.Thisfishgivesanevenmorepowerfulshock.Thesystemisdifferentfromthatofthetorpedointhattheelectricplatesrunlongitudinallyandaresuppliedwithnervesfromthespinalcord.Consequently,thecurrentpassesalongthefishfromheadtotail.Theelectricorgansofthesefisharereallyalteredmusclesandlikeallmusclesareapttotire,sotheyarenotabletogenerateelectricityforverylong.PeopleinsomepartsofSouthAmericawhovaluetheelectriceelasfood,takeadvantageofthisfactbydrivinghorsesintothewateragainstwhichthefishdischargetheirelectricity.Thehorsesarelessaffectedthanamanwouldbe,andwhentheelectriceelshaveexhaustedthemselves,theycanbecaughtwithoutdanger.
TheelectriccatfishoftheNileandofotherAfricanfreshwatershasadifferentsystemagainbywhichcurrentpassesoverthewholebodyfromthetailtothehead.Theshockgivenbythisarrangementisnotsostrongastheothertwo,butisnonethelessunpleasant.Theelectriccatfishisaslow,lazyfish,fondofgloomyplacesandgrowstoabout1metrelong;itiseatenbytheArabsinsomeareas.
Thepowerofproducingelectricitymayservethesefishbothfordefenceandattack.Ifalargeenemyattacks,theshockwilldriveitaway;butitappearsthatthecatfishandtheelectriceelusetheircurrentmostoftenagainstsmallerfish,stunningthemsothattheycaneasilybeoverpowered.
Whichofthefollowingcanproducethestrongestshock?
A.Theelectriceel.
B.Theelectriccatfish.
C.Thenewly-bornelectrictorpedoes.
D.Thefully-grownelectricray.
30.
______iscircularinthenorthernpartwhilesquareinthesouthernpart?
31.At18,AshanthiDeSilvaofsuburbanClevelandisalivingsymbolofoneofthegreatintellectualachievementsofthe20thcentury.Bornwithanextremelyrareandusuallyfataldisorderthatleftherwithoutafunctioningimmunesystem(the"bubble-boydisease",namedafteranearliervictimwhowaskeptaliveforyearsinasterileplastictent),shewastreatedbeginningin1990witharevolutionarynewtherapythatsoughttocorrectthedefectatitsverysource,inthegenesofherwhitebloodcells.Itworked.Althoughherlastgene-therapytreatmentwasin1992,sheiscompletelyhealthywithnormalimmunefunction,accordingtooneofthedoctorswhotreatedher,W.FrenchAndersonoftheUniversityofSouthernCalifornia.Researchershavelongdreamedoftreatingdiseasesfromhemophiliatocancerbyreplacingmutantgeneswithnormalones.Andthedreamingmaycontinuefordecadesmore."Therewillbeagene-basedtreatmentforessentiallyeverydisease,"Andersonsays,"within50years."
It'snotentirelyclearwhymedicinehasbeensoslowtobuildonAnderson'searlysuccess.TheNationalInstitutesofHealthbudgetofficeestimatesitwillspend$432millionongene-therapyresearchin2005,andthereisnoshortageofpromisingleads.Thetherapeuticgenesareusuallydeliveredthroughvirusesthatdon'tcausehumandisease."ThevirusissortoflikeaTrojanhorse,"saysRonaldCrystalofNewYorkPresbyterian/WeillCornellMedicalCollege."Thecargoisthegene."
AttheUniversityofPennsylvania'sAbramsonCancerCenter,immunologistCarlJunerecentlytreatedHIVpatientswithageneintendedtohelptheircellsresisttheinfection.AtCornellUniversity,researchersarepursuinggene-basedtherapiesforParkinson'sdiseaseandararehereditarydisorderthatdestroyschildren'sbraincells.AtStanfordUniversityandtheChildren'sHospitalofPhiladelphia,researchersaretryingtofigureouthowtohelppatientswithhemophiliawhotodaymustinjectthemselveswithexpensiveclottingdrugsforlife.Animalexperimentshaveshowngreatpromise.
Butsomehow,thingsgetlostinthetranslationfromlaboratorytopatient.Inhumantrialsofthehemophiliatreatment,patientsshowaresponseatfirst,butitfadesovertime.Andthefieldhasstillnotrecoveredfromthesetbackitsufferedin1999,whenJesseGelsinger,an18-year-oldwithararemetabolicdisorder,diedafterreceivinganexperimentalgenetherapyattheUniversityofPennsylvania.Someexpertsworrythatthefieldwillbetarnishedfurtherifthenextpeopletobenefitarenotpatientsbutathletesseekinganedge.Thissummer,researchersattheSalkInstituteinSanDiegosaidtheyhadcreateda"marathonmouse"byimplantingagenethatenhancesrunningability;already,officialsattheWorldAnti-DopingAgencyarepreparingtotestathletesforsignsof"genedoping".Buttheprincipleisthesame,whetheryou'retryingtohelpahealthyrunnerrunfasterorallowamuscular-dystro-phypatienttowalk."Everybodyrecognizesthatgenetherapyisaverygoodidea,"saysCrystal."Andeventuallyit'sgoingtowork."
ThecaseofAshanthiDesilvaismentionedinthetextto
A.showthepromiseofgene-therapy
B.giveanexampleofmodemtreatmentforfataldiseases
C.introducetheachievementofAndersonandhisteam
D.explainhowgene-basedtreatmentworks
32.(80)
33.
Whycanmanypeoplesee“silverlinings”totheeconomicshowdown?
A.Theywouldbenefitincertainways.
B.Thestockmarketshowssignsofrecovery.
C.Suchaslowdownusuallyprecedesaboom.
D.Thepurchasingpowerwouldbeenhanced.
34.
Whichofthefollowingmightbetheresultfromtheuseofefficienttechnologyincorporations?
A.Thequantityofproductswillbeconsiderablyincreased.
B.Thecostofcomputerswillbedecreased.
C.Theperdocumentcostofinformationprocessingwillbereduced.
D.Thenewestinformationwillbeeasiertoobtain.
35.(74)
36.
TheGTE'sexampleshowsthat______.
A.efficienttechnologyiscost-effective
B.manymeetingsinacompanyareunnecessary
C.manypositionslikethatofatypistcanbedoneawaywith
D.itdoesn'tcostmuchtoautomatethefacilitiesofacompany
37.
Theword"tarnish"(line4,paragraph4)mostprobablymeans______.
A.affectB.warnC.troubleD.stain
38.Insuranceissupposedtoprovideprotectionagainstfinancialrisks,andwhiledyingtoosoonisonemajorriskweface,anotherriskmoreandmorepeoplefearisoutlivingtheirmoney.Asaresult,agrowingarrayoflifeinsuranceproductsmakeitpossibletoprotectagainstbothofthoserisks.
Inmanyoftoday'slifeinsuranceproducts,MacDonaldnotes,"Thedeathbenefitportionreallyhasbecomeacommoditytypeproduct,soifsomeoneisreallyconcernedaboutthefinancialimpactofdyingyoung,thentheycangetaprettygooddealbybuyingterminsuranceonacommoditybasis—findthecheapestpolicyandbuyit."But,hesays,"Theothersideofthecoinisthatinsurancecompanieshavedevelopedproductsthatcanbeverycreative,andverycompetitivetootheralternatives,includinginvestments.Theycanfillaveryimportantroleinanyoverallinvestmentplan."
Diverseanduniversalpoliciesofferpeoplechoicesinhowmuchtheywanttoputintotheirpoliciesandhowtheywanttheirfundsinvested.Thesefundscanthenbetappedlaterontoprovidealumpsumforpurchasingaretirementhomeorastreamofretirementincome.Lifeinsuranceisanattractiveinvestmentvehicle,becausethe"insidebuildup",theaccumulationoffundsinsideapolicystructrue,isnotsubjecttotaxes,incontrasttootherpersonalinvestments.
However,MacDonaldandotherswarnagainstusinginsurancepoliciespurelyasaninvestment.Whiletherearetaxadvantages,therearealsothecostsconnectedwiththeinsurancecoverage,andifyoudon'tneedthatcoveragethesecanbeexpensivewaystoinvest.
Moreover,MacDonaldnotesthatsomecompaniesareofferinginsurancethathasacriticalillnessorlong-termcarebenefit.Thesepoliciesspecifythatifsomeonesuffersaheartattack,forexample,theywillget25%ofthefaceamountoftheinsurancepolicyimmediatelyratherthanatdeath.Oriftheymustbeconfinedtoanursinghome,theywillbeabletouseuptothefaceamountofthepolicytopaythenursinghomecosts.
Amidtheproliferationofinsuranceproduct,MacDonaldsays,"Thepositivesideofitistherearebetterproducts—they'recheaperandmoreflexible.Thenegativesideisthatit'smorecomplicatedandeasiertomakeamistake.Inthepast,itwasplainvanilla;everybodywassellingthesameproductandeverybodyhadtofindanagenttheyliked.Nowtherehasbeensignificantchangesinproductstructureanddesign,andbenefits,andsoitisworthwhiletoshoparound."
Thepurposeofinsuranceisto______.
A.giveyoumoneywheneveryouneed
B.protectyoufromfinancialrisks
C.savemoney
D.outlivemoney
39.
Whichofthefollowingstatementsisnottrue?
A.Electricfishcomefromdifferentfamilies.
B.Onecangetashockbytouchingtheelectricraysintwoplaces.
C.Theelectricplatesintheraysareconnectedwiththespinalcord.
D.Theelectriccatfishisedible.
40.PartC
Directions:Answerquestions71-80byreferringtothefollowinggames.
Note:AnswereachquestionbychoosingA,BorCandmarkitonANSWERSHEET1.Somechoicesmayberequiredmorethanonce.
Answerquestions71~80byreferringtothefollowinggames.
Note:AnswereachquestionbychoosingA,B,CorD.Somechoicesmayberequiredmorethanonce.
A=HydropowerB=NuclearpowerC=SolarpowerD=Windpower
Whichpower(power's)…
A
Hydropower
Introduction
Wehaveusedrunningwaterasanenergysourceforthousandsofyears,mainlytogrindcom.
ThefirsthouseintheworldtobelitbyhydroelectricitywasCragsideHouse,inNorthumberland,England,in1878.In1882ontheFoxRiver,intheUSA,hydroelectricityproducedenoughpowertolighttwopapermillsandahouse.
Nowadaystherearemanyhydro-electricpowerstations,providingaround20%o
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