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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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