Good afternoon, and welcome to England. We hope that your visit here will be a pleasant one. Today, I would like to draw your attention to a few of our laws.
The first one is about drinking. Now, you may not buy alcohol in this country if you are under 18 years of age, nor may your friends buy it for you.
Secondly, noise. Enjoy yourselves by all means, but please don’t make unnecessary noise, particularly at night. We ask you to respect other people who may wish to be quiet.
Thirdly crossing the road. Be careful. The traffic moves on the left side of he road in this country. Use pedestrian crossings (人行道) and do not take any chances when crossing the road.
My next point is about litter (throwing away waste material in a public place). It is an offence to drop litter in the street. When you have something to throw away, please put it in your pocket and take it home, or put it in a litter bin.
Finally, as regards smoking, it is against the law to buy cigarettes or tobacco, if you are under 16 years of age.
I’d like to finish by saying that if you require any sort of help or assistance, you should contact your local police station, who will be pleased to help you.
Now, are there any questions?
73. The main purpose of this speech would be to ____ .
A. prepare people for international travel
B. declare the laws of different kinds
C. give advice to travellers to the country
D. inform people of the punishment for breaking laws
74. From the speech we learn that ____
A. In this country, if you are under 18 years of age, you may not buy alcohol, but your friend can buy it for you.
B. You may not buy cigarettes or tobacco unless you are above 16 years of age.
C. Because the traffic moves on the left side of he road ,you must use pedestrian crossings when crossing the road.
D. You can’t make noise except at night.
75. Who do you think is most likely to make the speech?
A. A policeman B. A lawmaker C. A teacher D. A lawyer
In insurance theory, moral hazard is the name given to the increased risk of immoral behavior, and thus a negative outcome (“hazard”), because the person who caused the problem doesn’t suffer the full (or any) consequences, or may actually benefit．Such a concern typically arises in the context of a contract (for example, an insurance policy)．
The most well known examples of moral hazard come from insurance．For example:
Fire insurance increases the motivation to commit arson (纵火), especially if someone is operating a failing business and decides that they’d rather have the cash from the insurance proceeds on the buildings than the buildings themselves．(The value of a business often is based on profitability; after arson, the owner can claim the business was profitable．) In a worst case, the building is over-insured or valuable contents are removed but claims are filed that they were destroyed in the fire．
In finance, low level of effort by the agent (employee) is called the “moral hazard problem” according to agency theory．The more autonomy (自主) the agent enjoys and the greater the information the agent possesses, and the greater the specialized knowledge required to perform the task, the greater the chances for the occurrence of moral hazard．
The problem of moral hazards for insurance can’t be eliminated, but can be minimized．For example:
Getting detailed information to evaluate the value of what is being insured, rather than simply taking the word of the person buying the insurance．
Requiring that there be a deductible(扣除额) (an initial up-front sum which the insured must pay out of his or her own pocket in case of a loss), and/or only paying out a percentage of the loss (say, 80 or 90 percent) via a coinsurance clause．
72．What might be the headache for the insurance company after a fire?
A．Not knowing who set the fire．
B．The owner might over-claim the loss．
C．Where to get the insurance fee paid．
D．How to punish those who cheated the company．
73．What might be the best way not to suffer over-loss in paying back insurance according to the above passage?
A．Investigate carefully after a fire．
B．Try to get as much detail information about the insurance．
C．Try to catch hold of the person who committed arson．
D．Request the buyer of insurance to pay more．
74．The two examples in the above passage are applied to ______．
A．help people to have reasonable insurance
B．present the difficulties the insurance companies have
C．bring up a problem and a solution in insurance business
D．invite people to buy more profitable insurance
75．The above passage is mainly about ______．
A．a new theory in insurance B．a moral challenge in business
C．a common business phenomenon D．moral hazard in insurance
In 1945 there were 17 universities in Britain; by 1967 there were 45．A period of very rapid expansion took place in the middle sixties when ten new institutes were granted university status by Royal Charter．These modern universities do not in many ways resemble their older counterparts．Much more emphasis is placed on advanced studies in science and technology and the newer social science disciplines than on the arts and humanities．For the most part of the buildings the students live and work in are severely functional and there are the hum and bustle of continuous activities．The quiet gardens and enclosed quadrangles of Oxford and Cambridge belong to another world．This will certainly happen, for the universities like everything else must change and adapt themselves to meet the needs and demands of a new age．
In recent years there has been a very rapid increase in the number of young people (especially girls) seeking higher education．Between 1962 and 1975, the number of students in higher education more than doubled from 222,400 to 497,000．Part of this increase is accounted for by the creation of thirty “Polytechnics” which offer a wide range of courses leading to recognized qualifications．
For those who missed the opportunities for higher education at the age of eighteen or so, a major innovation in the academic world now provides a second chance．The Open University was found in 1971; it offers tuition to degree standards to anyone who chooses to entry．The courses are taught through radio, television programs, Internet and by correspondence with Open University tutors．By now there are over 100,000 students enrolled for Open University and there are several thousand people who are the proud holders of a B．A degree from the Open University．
68．The underlined word “counterparts” in the first paragraph has the closest meaning with “______．”
A．enemies B．leaders C．similarities D．strangers
69．Who can go to the Open Universities in Britain?
A．The British young people only．
B．Anyone who missed the chance to go to college．
C．Girls who missed the chance to enter a college．
D．Those who are interested in science and technology．
70．How can a student get taught in the Open University?
A．Study in the open air of Oxford and Cambridge Universities．
B．Through the modern communication methods．
C．By self-study with the help of polytechnics．
D．By attending to the top ten institutes in Britain．
71．Which of the following might serve as the best title of the above passage?
A．Life in the Open Universities． B．Free Degrees in Open Universities．
C．A Way Out, the Open Universities． D．Open University, Past and Future．
Dear Edward,
I have been very busy recently with some really exciting new developments．If you visit my main website you will see various new items there．
The first is a tab called Food for Thought．This is a short daily email which raises a question or makes a statement or provides something for you to think about．Some regular readers may find these emails quite basic．However, you would agree with me that there are many people who reject anything spiritual simply because it means venturing(冒险进入) into the unknown．
There is also a tab called Please Help Me．I will be hosting tele-discussions soon-yes, and I am really excited about that!
Here I ask you to propose topics for tele-discussions．If you are concerned about missing out, don’t worry．The proceeds will be recorded and made available as MP3 recordings．Please let me know what burning issues you have or what you are curious about．
I am providing a free mystery gift to the value of £9.95 for each successful suggestion． And please don’t think your issue is meaningless-there may be a number of other people who may have the same issue．
You may not be aware that I have also published a number of guided meditations(思考) on-line．Please have a look at this website for a free guided meditation as well as an explanation of what meditation is about．
And watch this space for more exciting things to come in the next month．I am now in a space where my hobby has become my work-how lucky can a girl be!
I also want to thank you for your support and interest over the past years-you have helped me immensely on my own journey．
Love and Light,
Elsabe
64．What does the item “Food for Thought” mainly focus on?
A．How to eat reasonably． B．Ideas for people to think about．
C．Where to have enough food． D．Ways to enjoy adventurous journeys．
65．How can one get a free mysterious gift from Elsabe?
A．By offering acceptable advice． B．By sending as much email as possible．
C．By sending him £9.95． D．By telling him what you are interested in．
66．What does Elsabe ask Edward to do?
A．Offer topics for the tele-discussion．
B．Record the content of the website．
C．Concern and participate about the issues on the website．
D．Help him find more people to help him．
67．What can we infer from the whole passage?
A．Edward doesn’t know Elsabe at all． B．Many people join in Elsabe’s program．
C．People are afraid to surf Elsabe’s website． D．Everything on Elsabe’s website is free．
The Yukon Quest 1,000-mile International Sled Dog Race is a sled dog race run every February
between Fairbanks, Alaska, and Whitehorse, Yukon．Because of the harsh winter conditions, difficult trail, and the limited support that competitors are allowed, it is considered the “toughest race in the world”．
In the competition, first run in 1984, a dog team leader and a team of 6 to 14 dogs race for 10 to 20 days．The course follows the route of the historic 1890s Klondike Gold Rush, mail delivery, and transportation routes between Fairbanks, Dawson City, and Whitehorse．Players pack up to 250 pounds of equipment and provisions for themselves and their dogs to survive between checkpoints．They are permitted to leave dogs at checkpoints and dog drops, but not to replace them．Sleds may not be replaced and players cannot accept help from non-racers except at Dawson City, the halfway mark．Ten checkpoints and four dog drops, some more than 200 miles apart, lie along the trail．Dcotors are present at each to ensure the health and welfare of the dogs, give advice, and provide veterinary (兽医)care for dropped dogs．
The route runs on frozen rivers, over four mountain ranges, and through isolated northern villages．Racers cover 1,016 miles or more．Temperatures commonly drop as low as −60°F, and winds can reach 50 miles per hour at higher elevations．Sonny Lindner won the first race in 1984 from a field of 26 teams．The fastest run took place in 2009, when Sebastian Sch nuelle finished after 9 days, 23 hours, and 20 minutes．The 2009 competition also had the closest one-two finish, as Sch nuelle beat second-place Hugh Neff by just four minutes．The longest race time was in 1988, when Ty Halvorson took 20 days, 8 hours, and 29 minutes to finish．To allow participation in both the Yukon Quest and the Iditarod, the 2010 Yukon Quest will begin in Fairbanks one week earlier than usual–on February 6．
60．What is the Yukon Quest particular in?
A．The difficulty the competition has to face．
B．The special team and the special weather．
C．The limitation of time and support in the run．
D．The way the competition is valued．
61．The competitors can do the following except ______．
A．pack less then 250 pounds of equipments and provisions
B．drop any dogs at the checkpoints
C．replace dogs which are worn out
D．get medical care for dogs in any checkpoint
62．Who keeps a new record in the Yukon Quest in terms of speed?
A．Sonny Lindner． B．Sebastian Schnuelle．C．Hugh Neff． D．Ty Halvorson．
63．The underlined word “harsh” in the first paragraph might most probably mean “______”．
A．happy B．important C．difficult D．unforgettable
When the research on the effect of electric fields on E．coli was begun in 1962, it was essential that a biologist–specifically, a microbiologist–contributed to the project．She does not want her name used because she did not become a scientific researcher for fame, but rather for the challenge of putting pieces of a scientific puzzle together．
As a girl, she was inspired by the work of great scientists: she read the story of the cure of malaria in the Panama Canal; she also read a biography of Madame Curie．These accounts inspired her to pursue a career in scientific research．After high school, she worked for the Michigan Department of Health, where she did research in biology and microbiology．There, her colleagues saw her talent and encouraged her to pursue science as a career．She went on to earn a bachelor’s degree from Michigan State University in 1948 in medical technology．
When she began working at Michigan State in the early 1960s,
she was balancing the demands of scientific research with the needs
of her family．At that time both of her children were in school．She
would work in the lab in the morning while they were at school,
go home to see them at lunch, return to the lab for the afternoon, go
home for dinner, and return to the lab in the evening, if necessary．
At that time, there were fewer women scientists working than
there are today, but she encountered several in her career．At the
Michigan Department of Health, many of her colleagues were women and, consequently, she did not feel isolated because of her gender–nor did she feel that she was treated differently because she was a woman．
While working at Michigan State, she also felt that she was treated with respect by her peers．Her colleagues, among them doctors and Ph．D．chemists, all treated her as an equal．On the whole, she believes that there is not a great deal of difference between men and women in science．
56．Why does the woman scientist refuse to let out her name?
A．Because she is a shy lady．
B．Because she doesn’t mind her fame．
C．Because she never takes pride in her research．
D．Because she never works for her fame．
57．What is the noble lady scientist really interested in?
A．The life stories of other women scientists．
B．Biology and microbiology．
C．The secret of the success of the other scientists．
D．The difference between men and women scientists．
58．Who helped and encouraged her to carry on her scientific research?
A．Her family and friends． B．Madame Curie．
C．Her colleagues and other scientists． D．Some of the officials．
59．What is the whole passage mainly about?
A．The life story of a famous woman scientist with great success．
B．A brief introduction about an unknown great woman scientist．
C．The new development of a special woman scientist．
D．The secret of an infamous woman scientist．
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