Since the premium varies with the extent of insurance, extra premium is for buyer’s ac
A. if
B. as
C. must
D. should
A. if
B. as
C. must
D. should
Since the premium varies with the scope of ()extra premium is for buyer’s account, should additional risks be covered?
A. assurance
B. insurance
C. business
D. enterprises
A.as
B.since
C.if
D.should
A. if
B. as
C. must
D. should
The guaranteed interest rate on some U.S. savings bonds was ______.
A.6%.
B.6.5%.
C.5%.
D.7.5%.
An ordinary householder may wish to protect his home against fire or his property against burglary. A shop-keeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium (保险费). If it is suspicious, it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises (房产) so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident-free record.
Every week insurance companies receive premium payments from customers. These payments can form. a very large total running into millions of dollars. The company does not leave the money in the bank. It invests in property, shares, farms and even antique paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem, since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the community.
According to the first paragraph in the passage, which of the following statements is TRUE?
A.A passenger by air will take less risk of being killed than a man crossing a busy road.
B.A passenger by air will take greater risk of being killed than a man crossing a busy road.
C.A passenger by air will have to pay more to the insurance company than a mountain climber.
D.A motorist should pay the highest price to the insurance company.
Thus far, the high oil price has been largely a consequence of good things, such as a strengthening world economy, rather than a cause of bad things, such as faster inflation or slower growth. China's burgeoning economy guzzled about 6m bpd in the first quarter of this year, 15% more than a year ago, according to Goldman Sachs. Demand was also strong in the rest of Asia, excluding Japan, growing by 5.2% to 8.1m bpd. As the year progresses, the seasonal rhythms of America's drivers will dictate prices, at least of the lighter, sweeter crudes. Americans take to the roads en masse in the summer, and speculators are driving up the oil price now in anticipation of peak demand in a few months' time.
Until recently, the rise in the dollar price of oil was offset outside America and China by the fall in the dollar itself. But the currency has regained some ground in recent weeks, and the oil price has continued to rise. Even so, talk of another oil price shock is premature. The price of oil, adjusted for inflation, is only half what it was in December 1979, and the United States now uses half as much energy per dollar of output as it did in the early 1970s. But if oil cannot shock the world economy quite as it used to, it can still give it "a good kick", warns Goldman Sachs. If average oil prices for the year come in 10% higher than it forecast, it reckons GDP growth in the Group of Seven (G7) rich nations will be reduced by 0.3%, or $70 billion.
The Americans are certainly taking the issue seriously. John Snow, their treasury secretary, called OPEC's February decision "regrettable", and the rise in prices since then "not helpful". Washington pays close heed to the man at the petrol pump, who has seen the average price of a gallon of unleaded petrol rise by 39 cents in the past year. And the Saudis, some mutter, pay close heed to Washington.
Besides, the high oil price may have filled Saudi coffers, but it has also affronted Saudi pride. Mr. al-Naimi thinks the high price is due to fears that supply might be disrupted in the future. These fears, he says, are "unwarranted". But the hulking machinery in the Arabian desert that keeps oil flowing round the world presents an inviting target to terrorists should they tire of bombing embassies and nightclubs. On May 1st, gunmen killed six people in a Saudi office of ABB Lummus Global, an American oil contractor. Such incidents add to the risk premium factored into the oil price, a premium that the Saudis take as a vote of no confidence in their kingdom and its ability to guarantee the supply of oil in the face of terrorist threats.
What does the author mean by "...has become its flip-flopper" (Para. 1)?
A.Saudi Arabia reversed its earlier decision.
B.Saudi Arabia objected to the rise of oil price.
C.Saudi Arabia was concerned about the world economy.
D.Saudi Arabia wished to reduce the oil production.
William Taylor started his career as Chief Executive of the design consultancy he founded ten years ago, but since selling that he’s been working freelance. He modestly describes himself as a publicist, though in fact his scope is far greater than that suggests. His work is eye-catching, witty and extremely effective. He was last year’s prizewinner in our exhibitions category, for the digital media gallery that he had designed. His major project at the moment is to design an exhibition of photography, and we look forward to seeing the results. Ladies and gentlemen - William Taylor
M Thank you. Our first award this evening is in the Internal Communications category, and this goes to the Steppart Consultancy for their work for travel chain Farlands. The consultancy’s original brief was to develop an effective internal communications system of memos and newsletters, but they concluded that an intranet would be far more effective. So with the client’s agreement Steppart rewrote their brief Not only did the new system have to be user-friendly, its design also had to reflect Farlands’ brand values - bright, colourful and synonymous, with fun. It succeeded in full, overcame all the. company’s communications problems, and allowed it to make the predicted savings on postage and paper What was not foreseen, however, was the strong sense of involvement and even excitement that the innovation also created, which greatly enhanced Farlands’ intemal culture. So today’s first prizewinner is the Steppart Consultancy,
The winning consultancy in our Corporate Identity category is J3, for their work for Coffee Cabina, whose outlets provide such good cups of coffee and cakes. When Coffee Cabina decided to re-brand, two years ago, it had nine stores with three separate identities. Since it launched its new identity, the company has refitted all its existing stores and a further dozen are about to be opened. While operating costs have risen by 15 per cent, profitability has increased by over 40 per cent. Since hitting ’the streets, the new design has led to a steady rise in the number of new customers, and most of the stores reached the sales potential which was forecast for them within two to three weeks, instead of the standard four to six months, Ladies and gentlemen, the J3 Consultoncy.
Now we turn to packaging, and this award goes to consultancy Tamka for its work for Starbury Ice Creams. Starbury decided to launch a range of premium ice creams, to complement its existing range, and identified this as an opportunity to aim at a more mature market segment than the children who comprised the majority of its existing customers. This was made part of Tamka’s brief Another challenge for the designers was to attract year-round sales, unlike the seasonal consumption which the existing range depended on. The new premium ice creams have quickly become established, and the company strongly believes that this was helped by the excellent packaging which Tamka designed for them. The designs challenge every tradition, from the shape and material of the ice cream containers to the minimalist feel of the label. The panel was very taken by th/s, and by the coherent approach which the designers took to every aspect of the design package. So the award in the packaging category goes to Tamka.
How to approach Listening Test Part One
&8226;In this part of the Listening Test you listen to a monologue, e.g. a presentation.
&8226;Before you listen, read the notes. Think about what you are going to hear.
&8226;Note all
"In the long run," as John Maynard Keynes observed, "we are all dead." True. But can the short run be elongatedin a way that makes the long run longer? And if so, how, and at what cost? People have dreamt of immorality since ancient times. Now, with the growth of biological knowledge that has marked the past few decades, a few researchers believe it might be within reach.
To think about the question, it is important to understand why organisms — people included —age in the first place. People are like machines, they wear out. That much is obvious. However, a machine can always be repaired. A good mechanic with a stock of spare parts can keep it going indefinitely. Eventually, no part of the original may remain, but it still carries on, like Lincoln's famous axe that had three new handles and two new blades.
The question, of course, is whether the machine is worth repairing. It is here that people and nature disagree. Or, to put it slightly differently, two bits of nature disagree with each other. From the individual's point of view, survival is an imperative. A fear of death is a sensible evolved response and, since ageing is a sure way of dying, it is no surprise that people want to stop it in its tracks. Moreover, even the appearance of ageing can be harmful. It reduces the range of potential sexual partners who find you attractive and thus, again, curbs your reproduction.
The paradox is that the individual's evolved desire not to age is opposed by another evolutionary force, the disposable soma. The soma is all of a body's cells apart from the sex cells. The soma's role is to get those sex cells, and thus the organism's genes, into the next generation. If the soma is a chicken, then it really is just an egg's way of making another egg. And if evolutionary logic requires the soma to age and die in order for this to happen, so be it. Which is a pity, for evolutionary logic does, indeed, seem to require that.
The argument is this. All organisms are going to die of something eventually. That something may be an accident, a fight, a disease or an encounter with a hungry predator. There is thus a premium on reproducing early rather than conserving resources for a future that may never come. The reason why repairs are not perfect is that they are costly and resources invested in them might be used for reproduction instead. Often, therefore, the body's mechanics prefer lash-ups to complete rebuilds — or simply do not bother with the job at all. And if that is so, the place to start looking for longer life is in the repair shop.
The word "elongated"(Para. 2) is closest in meaning to ______ .
A.perpetuated
B.promoted
C.stretched
D.enhanced
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