2021年陜西省漢中市公共英語五級(筆試)模擬考試(含答案)

2021年陜西省漢中市公共英語五級(筆試)模擬考試(含答案)學(xué)校:________班級:________姓名:________考號:________

一、1.ListeningComprehension(15題)1.Beforedeliveringthenewinformation,whatshouldthespeakergivehisaudience?

2.PartB

Directions:Youwillhear3conversationsortalksandyoumustanswerthequestionsbychoosingA,B,CorD.YouwillheartherecordingONLYONCE.

聽力原文：Whenaconsumerfindsthatalliternsheorheboughtisbrokenorinsomeotherwaydoesnotreachthestandardofthemanufacturer'sclaimforit,thefirststepistopresentthewarranty.oranyotherrecordswhichmighthelp,atthestoreofpurchase.Inmostcases,thisactionwillproduceresults.However,ifitdoesnot,therearevariousmeanstheconsumersmayusetogainsatisfaction.

Asimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral,the“higher,up”theconsumertakeshisorhercomplaint,thefasterheorshecanexpectittobetackled.Insuchacase,itisusuallysettledintheconsumer'sfavor,assumingheorshehasajustclaim.

Consumersshouldcomplaininpersonwheneverpossible,butiftheycannotgettotheplaceofpurchase,itisacceptabletophoneorwritethecomplaintinaletter.

Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly,andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiterninquestion.Ifthiscannotbedone,theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong,ratherthanbymakinggeneralstatements.Forexample,“Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear”isbetterthan“thisstereodoesnotwork”.

Thestoremanagermayadvisetheconsumertowritetothemanufacturer.Ifso,theconsumershoulddothis,statingthecomplaintaspolitelyandasfirmlyaspossible.Butifapolitecomplaintdoesnotachievethedesiredresult,theconsumercangoastempfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumers'rights.

Whenaconsumerfindsthathispurchasehasafaultinit,whatisthefirstthingheshoulddo?

A.Complainpersonallytothemanager.

B.Threatentotakethemattertocourt.

C.Writeafirmletterofcomplainttothestoreofpurchase.

D.Showsomewrittenproofofthepurchasetothestore.

3.Dr.WilsonsuggeststhatWangshouldextendhisstayattheuniversity.

A.RightB.Wrong

4.Itsoundsabitunscientificthatagoodmanageris______ratherthan______.

5.Howlongdidittakeforchilipeppertobecomepopulararoundtheworld?

6.WhatdidEuropeansminkofpotatoes?

7.AlldirectorsontheBoardarefull-timeemployeesinthecompany.

A.TrueB.Fasle

8.WherewasthefinalsoftheWorldCupin1994held?

A.InEngland.B.IntheUSA.C.InMexico.D.InFrance.

9.Ifaconsumerwantsaquicksettlementoftheproblem,whomisitbettertocomplainto?

A.Ashopassistant.

B.Thestoremanager.

C.Themanufacturer.

D.Apublicorganization.

10.Fatcellsblockbodyheatfromescapingquickly.

A.TrueB.Fasle

11.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.

12.Thespeakerwillintroducesixdepartmentalmanagersonebyone．

A.RightB.Wrong

13.聽力原文：DuringtheChristmasshoppingrushinLondon,theintriguingstorywasreportedofatrampwho,apparentlythroughnofaultofhisown,foundhimselflockedinawell-knownchainstorelateonChristmasEve.Nodoubtthestorewasfilledwithlast-minuteChristmasshoppersandthestaffweredeadbeatingandlongingtogethome.Presumablyallthepropersecuritychecksweremadebeforethestorewaslockedandtheylefttoenjoythethree-dayholidayuntroubledbycustomersdesperatetogetlast-minuteChristmaspresents.

Howeverthatmaybe,ourtrampfoundhimselfaloneinthestoreanddecidedtomakethebestofit.Therewasfood,drink,beddingandcampingequipment,ofwhichhemadegooduse.Theremustalsohavebeentelevisionsetsandradios.Thoughitwasnotreportedifhetookadvantageofthesefacilities,whentheshopre-opened,hewasdiscoveredinbedwithalargenumberofemptybottlesbesidehim.Heseemstohavebeenamanofgoodhumourandphilosophictemperament—asindeedvagrantsverycommonlyare.EveryoneelsewasenjoyingChristmas,sohesawnogoodreasonwhyheshouldnotdothesame.Hesubmitted,cheerfullyenough,tobeingtakenawaybythepolice.PerhapshehadabetterChristmasthanusual.Hewasputintoprisonforsevendays.Thejudgeawardednocompensationtothechainstoreforthefoodanddrinkourtramphadconsumed.Theyhad,inhisopinion,alreadyreceivedvaluablefreepublicityfromthecoveragethestoryreceivedinthenewspapersandontelevision.PerhapsthejudgehadagoodChristmastoo.

Thetrampwaslockedinthestore______

A.forhisownmistakes

B.duetoamisunderstanding

C.byaccident

D.throughanerrorofjudgment

14.Whichofthefollowingcanbecalledasa"lameduck"?

A.Adisabledlittlechild.

B.Ahard-workingfarmer.

C.Apoliticianwhohastocometotheendofhispower.

D.Anabsent-mindedoldprofessor.

15.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...haveyouthoughtofjustgivinguponeday?

M:Yes,ohwell,yes,thatisquiteagoodidea.

W:Itis.

M:ButIthinkI'dlosecountorsomething.

W:Ohdear!Well,itmightbeanideaifyoustartedeatingsweets.

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.Aweekego.

D.Justyesterday.

二、2.UseofEnglish(10題)16.Pollutionisa"dirty"word.Topollutemeanstocontaminate--topsoilorsomethingbyintroducingimpuritieswhichmake【C1】______unfitoruncleantouse.Pollutioncomesinmanyforms.Weseeit,smellit,【C2】______it,drinkit,andstumblethroughit.Weliterallylivedinandbreathepollution,and【C3】______surprisingly,itisbeginningto【C4】______ourhealth,ourhappiness,andourcivilization.

Oncewethoughtofpollution【C5】______meaningsimplythesmog—thechoking,stinging,dirty【C6】______thathoversovercities.Butairpollution,whileitis【C7】______themostdangerous,isonlyonetypeofcontaminationamongseveral【C8】______attackthemostbasiclifefunctions.

Throughtheuncontrolleduseofinsecticides,manhaspollutedtheland,【C9】______thewildlife.By【C10】______sewageandchemicalsintoriversandlakes,wehavecontaminatedour【C11】______water.Wearepollutingtheoceans,too,kiltingthefishand【C12】______deprivingourselves【C13】______aninvaluablefoodsupply.

Partoftheproblemisourexploding【C14】______.Moreandmorepeopleareproducingmorewastes.Butthisproblemisintensifiedbyour"throw-away"technology.EachyearAmericans【C15】______of7millionautos,20milliontonsofwastepaper,25millionpoundsoftoothpastetubesand48millioncans.Wethrowawaygumwrappers,newspapers,andpaperplates.Itisnolongerwiseto【C16】______anything.Todayalmosteverythingisdisposable.【C17】______ofrepairingatoasteroraradio,itiseasierandcheapertobuyanotheroneanddiscardtheold,even【C18】______95percentofitspartsmaystillbefunctioning.Babydiapers,whichusedtobemadeofreusablecloth,arenowpaperthrow-aways.Soonwewillwearclothingmadeof【C19】______:"Wearitonceandthrowitaway"willbethesloganofthefashionableconsciousness.

Whereisthisalltoend?Areweturningtheworldintoagiganticdump,oristherehopethatwecansolvethepollutionproblem?【C20】______,solutionsareinsight.Afewofthemarepositivelyingenious.

【C1】

17.(32)

18.

【C3】

19.

【C20】

20.(50)

21.

【C14】

22.(45)

23.(38)

24.(46)

25."Themoregadgetsthereare,the【31】______thingsseemtoget."saidHonoreErvin,co-authorofTheEtiquetteGirls:ThingsYouNeedtoBeTold-"Justbecauseit'sthere【32】______yourdisposal,doesn'tmeanyouhavetouseit24/7."

Arecent【33】______bymarketresearchcompanySynovateshowedthat70percentof1,000respondents【34】______thepoorestetiquetteincellphoneusersoverotherdevices.Theworsthabit?Loudphoneconversationsinpublicplaces,or"cellyell,"【35】______to72percentoftheAmericanspolled.

"Peopleuse【36】______anywhereandeverywhere,"Ervinsaid."Atthemovies-turn【37】______yourcellphone.Idon'twanttopay$10tobesittingnexttosomeguychitchattingtohisgirlfriend【38】______hiscellphone."Thisrudenesshasdeterioratedpublicspaces,accordingtoLewFriedland,acommunicationprofessor【39】______theUniversityofWisconsin-Madison.He【40】______thelackofmannersakindofunconsciousrudeness,【41】______manypeoplearenot【42】______ofwhatthey'redoingortheothersaroundthem.

"Ithinkit'sreallynoticeableinanyplane,trainorbus【43】______you'resubjectedagainstyourwill【44】______someoneelse'sconversation,"hesaid."Youcanlistentointimatedetailsoftheiruncle'sillness,problemswiththeirloversand【45】______they'rehavingforsinner.""It【46】______whatwasapubliccommonspaceandstartsto【47】______itupintosmallprivatespace."

Ashorttimeago,ifcellphoneusers【48】______politelyaskedtotalkquietly,theywould【49】withchagrin,hesaid."Nowmoreandmorepeopleareessentiallytreatingyoulikeyoudon'tunderstandthatloudcellphoneuseis【50】______inpublic."

(31)

三、3.ReadingComprehension(15題)26.

Howdothepublicfeelaboutthecurrenteconomicsituation?

A.Optimistic.B.Confused.C.Carefree.D.Panicked.

27.

______canbeusedtoheatyourwaterathomeinsteadofsomuchgasorelectricity?

28.

Thearrivaloftheindustrialageinourhistoricalevolutionmeantthat______．

A.universalemploymentvirtuallyguaranteedprosperity

B.economicfreedomcamewithineveryone'scontrol

C.patternsofworkwerefundamentallychanged

D.people'sattitudestoworkhadtobereversed

29.Defendersofspecialprotectivelaborlegislationforwomenoftenmaintainthateliminatingsuchlawswoulddestroythefruitsofacentury-longstrugglefortheprotectionofwomenworkers.Evenabriefexaminationofthehistoricpracticeofcourtsandemployerswouldshowthatthefruitofsuchlawshasbeenbitter;theyare,inpractice,moreofacursethanablessing.

Sex-definedprotectivelawshaveoftenbeenbasedonstereotypicalassumptionsconcerningwomen'sneedsandabilities,andemployershavefrequentlyusedthemaslegalexcusesfordiscriminatingagainstwomen.AftertheSecondWorldWar,forexample,businessesandgovernmentsoughttopersuadewomentovacatejobsinfactories,thusmakingroominthelaborforceforreturningveterans.Therevivalorpassageofstatelawslimitingthedailyorweeklyworkhoursofwomenconvenientlyaccomplishedthis.Employershadonlytodeclarethatovertimehourswereanecessaryconditionofemploymentorpromotionintheirfactory,andwomencouldbequitelegallyfired,refusedjobs,orkeptatlowwagelevels,allinthenameof“protecting”theirhealth.Byvalidatingsuchlawswhentheyarechallengedbylawsuits,thecourtshavecolludedovertheyearsinestablishingdifferent,1essadvantageousemploymenttermsforwomenthanformen,thusreducingwomen'scompetitivenessonthejobmarket.Atthesametime,eventhemostwell-intentionedlawmakers,courts,andemployershaveoftenbeenblindtotherealneedsofwomen.Thelawmakersandthecourtscontinuetopermitemployerstoofferemployeehealthinsuranceplansthatcoverallknownhumanmedicaldisabilitiesexceptthoserelatingtopregnancyandchildbirth.

Finally,laborlawsprotectingonlyspecialgroupsareoftenineffectiveatprotectingtheworkerswhoareactuallyintheworkplace.Somechemicals,forexample,posereproductiverisksforwomenofchildbearingyears；manufacturersusingthechemicalscomplywithlawsprotectingwomenagainstthesehazardsbyrefusingtohirethem.Thusthesex-definedlegislationprotectsthehypotheticalfemaleworker,buthasnoeffectwhateveronthesafetyofanyactualemployee.Thehealthriskstomaleemployeesinsuchindustriescannotbenegligible.sincechemicalstoxicenoughtocausebirthdefectsinfetusesorsterilityinwomenarepresumablyharmfultothehumanmetabolism.Protectivelawsaimedatchangingproductionmaterialsortechniquesinordertoreducesuchhazardswouldbenefitallemployeeswithoutdiscriminatingagainstany.

Insum,protectivelaborlawsforwomenarediscriminatoryanddonotmeettheirintendedpurpose.Legislatorsshouldrecognizethatwomenareintheworkforcetostay,andthattheirneeds—goodhealthcare.adecentwage,andasafeworkplace—aretheneedsofallworkers.Lawsthatignorethesefactsviolatewomen'srightsforequalprotectioninemployment.

Accordingtotheauthor,whichofthefollowingresultedfromthepassageorrevivalofstate1awslimitingtheworkhoursofwomenworkers?

A.Womenworkerswerecompelledtoleavetheirjobsinfactories.

B.Manyemployershaddifficultyinprovidingjobsforreturningveterans.

C.Manyemployersfoundithardtoattractwomenworkers.

D.Thehealthofmostwomenfactoryworkersimproved.

30.

Theword"connoisseurs"(Paragraph1)mostprobablymeans______.

A.representativesinthePre-RaphaeliteMovement

B.peoplewhoareinfavorofFlorentine

C.criticswhoarelikelytomakeassessments

D.conservativesclingingtoclassicalart

31.(67)

32.

Whyarehorsesusedtocatchtheelectriceels?

A.Tofrightentheeels.

B.Toexhausttheeels.

C.Toattracttheeels.

D.Tostirthewater.

33.(69)

34.PartB

Directions:Inthefollowingarticlesomeparagraphshavebeenremoved.ForQuestions66-70,choosethemostsuitableparagraphfromthelistA-Ftofitintoeachofthenumberedgaps.Thereisoneparagraphwhichdoesnotfitinanyofthegaps.MarkyouranswersonANSWERSHEET1.

AccordingtotheAmericanAcademyofDermatology,anestimated10to50millionpeopleinthiscountryhaveanallergicreactiontopoisonivyeachyear.Poisonivyisoftenverydifficulttospot.Itcloselyresemblesseveralothercommongardenplants,andcanalsoblendinwithotherplantsandweeds.Butifyoucomeintocontactwithit,you'llsoonknowbytheitchy,blisteryrashthatformsonyourskin.Poisonivyisared,itchyrashcausedbytheplantthatbearsitsname.Manypeoplegetitwhentheyarehikingorworkingintheirgardenandaccidentallycomeintodirectcontactwiththeplant'sleaves,roots,orstems.Thepoisonivyrashoftenlookslikeredlines,andsometimesitformsblisters.

66.______

About85percentofpeopleareallergictotheurushiolinpoisonivy,accordingtotheAmericanAcademyofDermatology.Onlyatinyamountofthischemical—1billionthofagram—isenoughtocausearashinmanypeople.Somepeoplemayboastthatthey'vebeenexposedtopoisonivymanytimesandhavenevergottentherash,butthatdoesn'tnecessarilymeanthey'renotallergic.Sometimestheallergydoesn'temergeuntilyou'vebeenex-posedseveraltimes,andsomepeopledeveloparashaftertheirveryfirstexposure.Itmaytakeuptotendaysfortherashtoemergethefirsttime.

67.______

Herearesomeotherwaystoidentifythepoisonivyplant.Itgenerallygrowsinaclusteroflow,weed-likeplantsorawoodyvinewhichcanclimbtreesorfences.Itismostoftenfoundinmoistareas,suchasriverbanks,woods,andpastures.Theedgesoftheleavesaregenerallysmoothorhavetiny"teeth".Theircolorchangesbasedontheseason—reddishinthespring;greeninthesummer;andyellow,orange,orredinthefall.Itsberriesaretypicallywhite.

68.______

Thebody'simmunesystemisnormallyinthebusinessofprotectingusfrombacteria,viruses,andtheirforeigninvadersthatcanmakeussick.Butwhenurushiolfromthepoisonivyplanttouchestheskin,itinstigatesanimmuneresponse,calleddermatitis,towhatwouldotherwisebeaharmlesssubstance.Hayfeverisanotherexampleofthistypeofresponse;inthecaseofhayfever,theimmunesystemoverreactstopollen,oranotherplant-producedsubstance.

69.______

Theallergicreactiontopoisonivyisknownasdelayedhypersensitivity.Unlikeimmediatehypersensitivity,whichcausesanallergicreactionwithinminutesofexposuretoanantigen,delayedhypersensitivityreactionsdon'temergeforseveralhoursorevendaysaftertheexposure.

70.______

Intheplaceswhereyourskinhascomeintocontactwithpoisonivyleavesorurushiol,withinonetotwodaysyou'lldeveloparash,whichwillusuallyitch,redden,bum,swell,andform.blisters.Therashshouldgoawaywithinaweek,butitcanlastlonger.Theseverityofthereactionoftenhastodowithhowmuchurushiolyou'vetouched.Therashmayappearsoonerinsomepartsofthebodythaninothers,butitdoesn'tspread—theurushiolsimplyabsorbsintotheskinatdifferentratesindifferentpartsofthebody.Thickerskinsuchastheskinontheonsolesofyourfeet,ishardertopenetratethanthinnerskinonyourarmsandlegs.

A.Becauseurushiolisfoundinallpartsofthepoisonivyplant—theleaves,stems,androots—it'sbesttoa-voidtheplantentirelytopreventarash.Thetroubleis,poisonivygrowsalmosteverywhereintheUnitedStates(withtheexceptionoftheSouthwest,Alaska,andHawaii),sogeographywon'thelpyou.Thegeneralrotetoidentifypoisonivy,"lea

35.Asthe2lstcenturybegins,anumberofleadersinpolitics,education,andotherprofessionsbelievethattheUnitedStatesmustadoptsomenewvaluestogoalongwiththeoldtraditionalones.WhatnewvaluesshouldAmericansadopt?Thisisaverydifficultquestiontoanswer.Certainly,agreatervalueshouldbeplacedontheconservationofnaturalresources;Americansshouldlearntouselessandwasteless.ButconservationhasneverbeenastrongvaluetoAmericans,whohavebelievedthattheircountryofferedanendless,abundantsupplyofnaturalresources.

Recently,progresshasbeenmade--moreandmoreAmericansarerecyclingtheirpaper,cans,bottles,andothergoods--butoldwastefulhabitsdiehard.Furthermore,theneedtoprotecttheenvironmentmayconflictwiththeneedforjobs,asintheNorthwest,whereconservationistsbattlelumbercompaniesthatwanttocutdownancientredwoodtrees.AbeliefinthevalueofconservationisstillcomparedwithotherAmericanvalues;itcanbecomestrongeronlyasAmericansseetheneedforitmoreclearly.

Inaddition,Americansmayneedtoplaceastrongvalueoncooperationonanationalscaletoachieveimportantnationalobjectives.TheAmericanideaofthenationalgoodhasneverbeenbasedonnationalcooperationbutratheronthefreedomoftheindividual,maintainingthoseconditionsthatprovidethegreatestfreedomandprosperityfortheindividual.ItisfarmoredifficultforAmericanstoacceptsharedsacrificeforthecommongoodandwell-beingoftheentirecountry.Forexample,althoughthemajorityofAmericansbelievethatitisextremelyimportanttobalancethenationalbudgetandreducethedeficit,theydonotwanttoseecutsingovernmentprogramsthatbenefitthempersonally.

TheAmericanvalueofcompetitionalsohindersthedevelopmentofaspiritofnationalcooperation.Competitionsometimesencouragesfeelingsofsuspicionratherthanthemutualtrustthatisnecessaryforsuccessfulnationalcooperation.AlthoughAmericansoftencooperatesuccessfullyonthelocallevel--inneighborhoodgroupsandchurches,forexample—theybecomesuspiciouswhenthenationalgovernmentbecomesinvolved.Forexample,onthenationallevel,theymayseethemselvesaspartofaninterestgroupthatiscompetingwithotherinterestgroupsforgovernmentfunds.Arequestbythenationalgovernmentforsharedsacrificemaybeseenascoerciveanddestructiveratherthanvoluntaryandconstructive.However,thedemandsofthe21stcenturymaycompelAmericanstoplaceagreatervalueonnationalcooperationtosolveproblemsthataffectthemall,directlyandindirectly.

Thebesttitleofthispassagecouldbe______.

A.WhichisBetter,NewValueorOldValue

B.Conservationvs.NeedforJobs

C.TheNeedforNewNationalValues

D.CooperationandCompetition

36.

Thephrase"vocal...exponent"(Line2,Para.5)mostprobablyrefersto______.

A.eloquentdoctor

B.articulateopponent

C.loudspeaker

D.strongadvocate

37.Insuranceissupposedtoprovideprotectionagainstfinancialrisks,andwhiledyingtoosoonisonemajorriskweface,anotherriskmoreandmorepeoplefearisoutlivingtheirmoney.Asaresult,agrowingarrayoflifeinsuranceproductsmakeitpossibletoprotectagainstbothofthoserisks.

Inmanyoftoday'slifeinsuranceproducts,MacDonaldnotes,"Thedeathbenefitportionreallyhasbecomeacommoditytypeproduct,soifsomeoneisreallyconcernedaboutthefinancialimpactofdyingyoung,thentheycangetaprettygooddealbybuyingterminsuranceonacommoditybasis--findthecheapestpolicyandbuyit."But,hesays,"Theothersideofthecoinisthatinsurancecompanieshavedevelopedproductsthatcanbeverycreative,andverycompetitivetootheralternatives,includinginvestments.Theycanfillaveryimportantroleinanyoverallinvestmentplan."

Diverseanduniversalpoliciesofferpeoplechoicesinhowmuchtheywanttoputintotheirpoliciesandhowtheywanttheirfundsinvested.Thesefundscanthenbetappedlaterontoprovidealumpsumforpurchasingaretirementhomeorastreamofretirementincome.Lifeinsuranceisanattractiveinvestmentvehicle,becausethe"insidebuildup",theaccumulationoffundsinsideapolicystructure,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

38.

Intheirstudy,researchersledbyPierreMaquettookadvantageofthetechniqueof______.

A.exposingalong-heldfolkwisdom

B.clarifyingthepredictionsondreams

C.makingcontrastsandcomparisons

D.correlatingeffectswiththeircauses

39.(76)

40.

Whichofthefollowingistrueaccordingtothetext?

A.TheHartspreferapublicuniversitytoaprivateone.

B.Itismucheasiertopa