2022-2023年黑龙江省哈尔滨市公共英语五级(笔试)测试卷(含答案)

2022-2023年黑龙江省哈尔滨市公共英语五级(笔试)测试卷(含答案)学校:________班级:________姓名:________考号:________

一、1.ListeningComprehension(15题)1.Dr.WilsonissatisfiedwithWang'spastexperience.

A.RightB.Wrong

2.Bonecontainsnowater.

A.RightB.Wrong

3.Thepast-orientedpeopleareflexiblein______．

4.PartA

Directions:Youwillhearatalk.Asyoulisten,answerQuestions1-10bycirclingTRUEorFALSE.YouwillhearthetalkONLYONCE.Younowhave1minutetoreadQuestions1-10.

听力原文：Whenyoucloseyoureyesandtrytothinkoftheshapeofyourownbody，whatyouimagine(or，rather，whatyoufeel)isquitedifferentfromwhatyouseewhenyouopenyoureyesandlookinthemirror．Theimageyoufeelismuchvaguerthantheoneyousee．Andifyouliestill，itisquitehardtoimagineyourselfashavinganyparticularsizeorshape．

Whenyoumove，whenyoufeeltheweightofyourarmsandlegsandthenaturalresistanceoftheobjectsaroundyou，the“feltimage”ofyourselfstartstobecomeclearer．Itis，almostasifitwerecreatedbyyourownactionsandthesensationstheycause．

Theimageyoumakeforyourselfhasratherstrangeproportions：certainpartsfeelmuchlargerthantheylook．Ifyoupokeyourtongueintoaholeinoneofyourteeth，itfeelsenormous；youareoftensurprisedbyhowsmallitlookswhenyouinspectitinthemirror．

Butalthoughthe“feltimage”maynothavetheexactshapeyouseeinthemirror，itismuchmoreimportant．Itistheimagethroughwhichyourecognizeyourphysicalexistenceintheworld．Inspiteofitsstrangeproportions，itisallonepiece，andsinceithasaconsistentfightandleftandtopandbottom，itallowsyoutolocatenewsensationswhentheyoccur．Itallowsyoutofindyournoseinthedark，scratchitchesandpointtoapain．

Ifthefeltimageisdamagedforanyreason—ifitiscutinhalforlost．asitoftenisaftercertainstrokeswhichwipeoutrecognitionofoneentireside—thesetasksbecomealmostimpossible．Whatismore．itbecomeshardtomakesenseofone'sownvisualappearance．Ifonehalfofthefeltimageiswipedoutorinjured，thepatientstopsrecognizingtheaffectedpartofhisbody．Itishardforhimtofindthelocationofsensationoilthatside．and．althoughhefeels：thedoctor'stouch，helocatesitasbeingontheundamagedside．

Heloseshisabilitytoaccepttheaffectedsideaspartofhisbodyevenwhenhecanseeit．Ifyouthrowhimapairofglovesandaskhimtoputthemon，hewillonlygloveonehandandleavetheotherbare．Andyethehadtousethelefthandinordertoglovethefight．Thefactthathecanseetheunglovedhanddoesn'tseemtohelphim，andthereisnoreasonwhyitshould．Hecannolongerreconcilewhatheseeswithwhathefeels：theunglovedobjectlyingontheleftmaylooklikeahand，but，sincethereisnofeltimagecorrespondingtoit，whyshouldheclaimtheobjectashis?

Mirrorimagesisoftendifferentfromthe"feltimages".

A.RightB.Wrong

5.Ifaconsumerwantsaquicksettlementoftheproblem,whomisitbettertocomplainto?

A.Ashopassistant.

B.Thestoremanager.

C.Themanufacturer.

D.Apublicorganization.

6.Judgingbytheextraordinarilywarmclothessomepeoplewear,whatmightwelearnaboutthem?

A.Theymaybehomesickandfeelinsecure.

B.Theyareeithercoldorverysick.

C.Theymaytrytoattractotherpeople'sattention.

D.Theywanttoprotectthemselvesfromphysicalinjuries.

7.Whatdoweknowaboutthedifferencebetweenmenandwomenintermsofpersonalrelationships?

A.Itiseasierforwomentomakefriendsamongwomen.

B.Womentendtorevealtheirfeelingsmoreeasily.

C.Personalrelationshipsaremorecentraltomostmen'slives.

D.It'seasiertoestablishpersonalrelationshipswithwomenthanwithmen.

8.WhatisDickiason'sparticularform.ofself-publication?

A.Sheranherownpublishinghouse.

B.Shewroteherpoemsinherletters.

C.Shewrotetonewspapersregularly.

D.Sherecordedherpoemsinherdiary.

9.HowdidEmilyDickinsondifferfromWaltWhitman?

A.Shepublishedpoemsfrequently.

B.Sheseldomlefthome.

C.Shelivedinanearlierera.

D.Shespokeadifferentlanguage.

10.Whichofthefollowingcanbecalledasa"lameduck"?

A.Adisabledlittlechild.

B.Ahard-workingfarmer.

C.Apoliticianwhohastocometotheendofhispower.

D.Anabsent-mindedoldprofessor.

11.Wherewastheinterviewconducted?

12.PartA

Directions:Youwillhearatalk.Asyoulisten,answerQuestions1-10bycirclingTRUEorFALSE.YouwillhearthetalkONLYONCE.Younowhave1minutetoreadQuestions1-10.

听力原文：Fromgoodreadingwecanobtainpleasure，companionship，experience，andinstruction．Agoodbookmayabsorbourattentionsocompletelythatforthetimebeingweforgetoursurroundingsandevenouridentity．Readinggoodbooksisoneofthegreatestpleasuresinlife．Itincreasesourcontentmentwhenwearecheerful．andlessensourtroubleswhenwearesad．Whatevermaybeourmainpurposeinreading，ourcontactwithgoodbooksshouldneverfailtogiveusenjoymentandsatisfaction．

Withagoodbookinourhandsweneedneverbelonely．Whetherthecharactersportrayedaretakenfrom．reallifeoraretotallyimaginarytheymaybecomeourcompanionsandfriends．Inthepagesofbookswecanwalkwiththewiseandthegoodofalllandsandalltimes．Thepeoplewemeetinbooksmaydelightuseitherbecausetheyresemblehumanfriendswhomweholddearorbecausetheypresentunfamiliartypeswhomwearegladtowelcomeasnewacquaintances．OurhumanMendsSometimesmayboreus，butthefriendswemakeinbooksneedneverwearyuswiththeircompany．Byturningthepageswecandismissthemwithoutanyfearofhurtingtheirfeelings．Whenhumanfriendsdesertus．goodbooksarealwaysreadytogiveusfriendship，sympathy，andencouragement．

Oneofthemostvaluablegiftsbestowedbybooksisexperience．Fewofuscantravelfarfromhomeorhaveawiderangeofexperiences．butallofuscanleadvariedlivesthroughthepagesofbooks．Whetherwewishtoescapefromtheseeminglydullrealitiesofeverydaylifeorwhetherweexpecttovisitsomefar-offplace，abookwillhelpuswhennothingelsecan．Totravelbybookweneednobankaccounttopayourway；noairshiporoceanlinerorstream-linedtraintotransportus：nopassporttoenterthelandofourheart'sdesire．Throughbookswemaygetthethrillofhazardousadventurewithoutdanger．Wecanclimbloftymountains，bravetheperilsofanantarcticwinter，orcrossthescorchingsandsofthedesert，allwithouthardship．InbookswemayvisitthestudiosofHollywood；wemayminglewiththegaythrongsoftheParisboulevards；wemayjointhepicturesquepeasantsinanAlpinevillageorthekindlynativesonaSouthSeaisland．Indeed，throughbooksthewholeworldisoursfortheasking．Thepossibilitiesofourliteraryexperiencesarealmostunlimited．Thebeautiesofnature，theenjoymentofmusic，thetreasuresofart，thetriumphsofarchitecture，themarvelsofengineeringareallopentothewonderandenjoymentofthosewhoread．

Agoodbookmaydrawourattentionsocompletelythatweforgetoursurroundingsandevenouridentityforthetimebeing.

A.RightB.Wrong

13.WhatwaspotatousedforinEuropeatfirst?

14.听力原文：M：DidyouhearabouttheaircrashthatoccurredinSouthAmericarecently?Itwasquiteatragicaccident!

W：No,Ididn'tseeanythinginthenewsaboutit．Whathappened?

M：AforeignairlinerwasattemptingtolandatnightinamountainousareainArgentinaandflewintoahill!

W：Thatsoundsreallyterrible!Didanyonesurvive?

M：No，everyoneaboard，includingthecrew，waskilledinstantly．

W：Whatwerethecircumstances?Weretheybadweather,afire,orenginefailure?

M：Apparently，thereweresomelowcloudsinthearea，butmostlyitwasjustmiscommunicationbetweenthepilotsandtheairtrafficcontrollers．

W：Weren'ttheybothspeakinginEnglish，theofficialinternationalaviationlanguage?

M：Yestheywere，butthetransitionfrompoorqualityradioswasslightlydistortedandtheaccentsoftheSpanishspeakingcontrollerswassostrongthatthepilotsmisunderstoodavitalinstruction．

W：Howcouldamisunderstandinglikethatcausesuchaseriousaccident?

M：Thepilotsweretoldtodescendto22,000feet．Theinstructionactuallymeant22,000feet，buttheythoughttheyhearddescend2,000feet．That'sahugedifference．anditshouldhavebeenconfirmed．butitwasnot．Unfortunately，theterrainofthemountainsinNorweijaascendto2,000feet．

W：Sothepilotsdiddescendtothewrongaltitudethen，becausetheywerefollowingtheaircontroller'sinstructions．

M：Sadlyenough，yestheydid．Itwasareallybadmistake．Manypeoplediedasaresultofthesimplymisunderstanding．

W：Wow，that'sapowerfullessononhowimportantitcanbetoaccuratelycommunicatewitheachother．

Whatwasthecauseofthetragedy?

A.Badweather.

B.Humanerror.

C.Breakdownoftheengines.

D.Communicationssystemfailure.

15.Paulcouldreachalltheswitchesbecausetheywereoriginallyinstalledattherightheightofhim.

A.TrueB.Fasle

二、2.UseofEnglish(10题)16.(38)

17.(33)

18."Down-to-earth"meanssomeoneorsomethingthatishonest,realisticandeasytodealwith.Itisapleasuretofind【31】______whoisdown-to-earth.Apersonwhoisdown-to-earthiseasytotalk【32】______andacceptsotherpeopleasequals.Adown-to-earthpersonisjustthe【33】______ofsomeonewhoactsimportantorproud.

Down-to-earthpersonsmaybe【34】______membersofsociety,ofcourse.Buttheydonotlettheirimportance"【35】______totheirheads".Theydonotconsiderthemselvestobebetterpersonsthan【36】______oflessimportance.Someonewhoisfilledwithhisownimportanceandpride,【37】______withoutcause,issaidtohave"hisnoseintheair".Thereis【38】______wayapersonwithhisnoseintheaircanbedown-to-earth.

Americans【39】______anotherexpressionthatmeansalmostthesameas"down-to-earth".Theexpressionis"both-feet-on-the-ground".Someone【40】______both-feet-on-the-groundisapersonwithagoodunderstanding【41】______reality.Hehaswhatiscalled"commonsense,"hemayhavedreams,【42】______hedoesnotallowthemtoblockhisknowledgeof【43】______isreal.

Theoppositekindof【44】______isonewhohashis"head-in-the-clouds".Amanwithhishead-in-the-cloudsisadreamer【45】______mindisnotintherealworld.

【46】______,suchadreamercanbebroughtbacktoearth.Sharpwordsfromteachercanusually【47】______aday-dreamingstudentdown-to-earth.

Usually,thepersonwhoisdown-to-earthisvery【48】______tohavebothfeetontheground.【49】______wehavebothourfeetontheground,whenwearedown-to-earth,weacthonestlyandopenly【50】______others.Ourlivesarelikethegroundbelowus,solidandstrong.

(31)

19.

【C10】

20.

【C19】

21.

【C13】

22.

【C5】

23.(41)

24.RecentsurveysshowthatJapaneseyouthhavebecomea"MeGeneration"thatrejectstraditionalvalues.

"Around1980manyJapanese,【31】______youngpeopleabandonedthevaluesofeconomicsuccessandbegan【32】______fornewsetsofvaluesto【33】______themhappiness,"writessociologistYasuhiroinComparativeCivilizationsReview.Japaneseyouthareplacingmoreimportanceontheindividual'spursuitof【34】______andlessonthevaluesofwork,family,andsociety.

Japanesestudentsseemtobelosingpatiencewithwork,【35】______theircounterpartsintheUnitedStatesandKorea.Ina1993【36】______ofcollegestudentsinthethreecountries,only10%oftheJapaneseregarded【37】______asaprimaryvaluecomparedwith47%ofKoreanstudentsand27%ofAmericanstudents.Agreater【38】______ofJapaneseaged18—24alsopreferredeasyjobs【39】______heavyresponsibility.

TheyoungerJapaneseare.showinglessconcernforfamilyvaluesastheypursueaninnerworldofprivatesatisfaction.Datacollected【40】______theJapanesegovernmentin1993showsthatonly23%ofJapaneseyoutharethinkingaboutsupportingtheiragedparents,incontrast【41】______63%ofyoungAmericans.Itappearsthatmanyyounger-generationJapaneseare【42】______bothrespectfortheirparents【43】______asenseofresponsibilitytothefamily.AuthorYoshizakiattributesthechange【44】______Japaneseparents'over-indulgenceoftheirchildren,materialaffluence,andgrowing【45】______forprivatematters.

Theshift【46】______individualismamongJapaneseismostpronouncedamong【47】______veryyoung.

Accordingto1991data【48】______theBunkaCenterofJapan,50%ofJapaneseyouthaged16—19canbelabeled"self-centered"comparedwith33%among【49】______aged25-29.Toearntheself-centeredlabel,theyoungpeoplerespondedpositivelyto【50】______ideasas"Iwouldliketomakedecisionswithoutconsideringtraditionalvalues"and"Idon'twanttodoanythingIcan'tenjoydoing."

(31)

25.(39)

三、3.ReadingComprehension(15题)26.(77)

27.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.

28.

InNewYork______.

A.violentcrimedroppedby23%inoneyear

B.policedepartmentpayasmuchas$50,000forJackMaple

C.thecrimerateishigh

D.Comstat'sstatisticalmapsareanalyzedeveryweek

29.

Whichofthefollowingstatementsistrue?

A.Americans'caloricintakehasdroppedoverthelastfewdecades.

B.Manypeoplewhotrytoloseweightgiveuphalfway.

C.Americansarealwaysawareofhowmuchtheyeat.

D.Obesitydoesnoharmtopeople'shealth.

30.(75)

31.

______canpresentthevisitorthesignificanceofHeavenKitchen?

32.PartA

Directions:ReadthefollowingtextsandanswerthequestionswhichaccompanythembychoosingA,B,CorD.MarkyouranswersonANSWERSHEET1.

Inathree-monthperiodlastyear,twoBrooklyniteshadtobecutoutoftheirapartmentsandcarriedtohospitalonstretchersdesignedfortransportingsmallwhales.TheNationalAssociationtoAdvanceFatAcceptance(NAAFA)arguesmatitwasnottheircombined900kgbulkthatmadethemill.Obesity,accordingtoNAAFA,isnotbadforyou.And,evenifitwas,thereisnothingtobedoneaboutit,becausegenesdictateweight.Attemptingtoeatlessmerelyslowsmetabolism,havingpeopleaschubbyasever.

ThisisthefatlashmovementthatcausesAmerica'sslimmingindustrysomuchpain.InhisbookBinFatLies(Ballantine,1996),GlennGaessersaysthatnostudyyethasconvincinglyshownthatweightisanindependentcauseofhealthproblems.Fatnessdoesnotkillpeople;thingslikehypertension,coronaryheartdiseasesandcancerdo.MichaelFumento,authorofTheFatoftheLand(Viking,1997),ananti-fatlashdiatribe,comparesDrGaesser'slogicwithsayingthattheguillotinedidnotkillLouisXVI:Rather,itwastheseveringofhisvertebrae,thecuttingofallthebloodvesselsinbisneck,and...thetraumacausedbyhisheaddroppingseveralfeetintoawickerbasket.

Beingfatkillsinseveralways.Itmakespeoplefarmorelikelytosufferfromheartdiseaseorhighbloodpressure.Evenmoderateobesityincreasesthechanceofcontractingdiabetes.Being40%overweightmakespeople30%-50%morelikelytodieofcancer,accordingtotheAmericanCancerSociety.Extremefatnessmakespatientssomuchlesslikelytosurvivesurgerythatmanydoctorsrefusetooperateuntiltheyslim.

Theideathatbeingoverweightiscausedbyobesitygenesisnotwhollyfalse:researchershavefoundanumberofgenesthatappeartomakesomepeopleburnoffenergyataslowerrate.Butgenesarenotdestiny.Thedifferencebetweensomeonewithageneticpredispositiontogainweightandsomeonewithoutappearstoberoughly40calories—oraspoonfulofmayonnaise—aday.

Analternativefatlashargument,advancedinbookssuchas.DeanOnrush'sEatMore,WeightLess(HarperCollies,1993)andDateAtrens'sDon'tDiet(WilliamMorrow,1978),isthatfatnessisnotamatterofeatingtoomuch.TheynotethatasAmericans'weighthasballoonedoverthelastfewdecades,theirreportedcaloricintakehasplunged.Thissimplyexplainspeople'sownrecollectionofhowmuchtheyeatisextremelyunreliable.Andastheygrowfatter,peoplefeelguiltyandaremorelikelytofibabouthowmuchtheyeat.Allreputablestudiesshowthateatinglessandexercisingreduceweight.

Certainly,thebody'smetabolismslowsalittlewhenyouloseweight,becauseittakeslessenergytocarrylessbulkaround,andbecausedietingcanmakethebodyfearitisabouttostarve.Butasensiblelow-fatdietmakesweightlosspossible.Thefatlashmovementisdangerous,becauseshmmerswilloftenfindanyexcusetogiveup.Totellpeoplethatitishealthytobeobeseistoencouragethemtolivesickanddieyoung.

ThetwoBrooklynitesinthefirstparagraphwere______.

A.membersoftheNWA

B.typicalvictimsofoverweight

C.membersofthe"fatlash"movement

D.proofthatthefatlashmovementisgainingstrength

33.

Inpolitics,astronautsaregenerally______.

A.democratsB.republicansC.conservativesD.communists

34.

Whenmentioning“the$4millionto$10millionrange”(Line3-4,Paragraph3)theauthoristalkingabout______.

A.goldmarket

B.realestate

C.stockexchange

D.ventureinvestment

35.Beforeabigexam,asoundnight'ssleepwilldoyoubetterthanporingovertextbooks.That,atleast,isthefolkwisdom.Andscience,intheform.ofbehavioralpsychology,supportsthatwisdom.Butsuchbehavioralstudiescannotdistinguishbetweentwocompetingtheoriesofwhysleepisgoodforthememory.Onesaysthatsleepiswhenpermanentmemoriesform.Theothersaysthattheyareactuallyformedduringtheday,butthen"edited"atnight,toflushawaywhatissuperfluous.

Totellthedifference,itisnecessarytolookintothebrainofasleepingperson,andthatishard.Butafteradecadeofpainstakingwork,ateamledbyPierreMaquetatLiegeUniversityinBelgiumhasmanagedtodoit.TheparticularstageofsleepinwhichtheBelgiangroupisinterestedisrapideyemovement(REM)sleep,whenbrainandbodyareactive,heartrateandbloodpressureincrease,theeyesmovebackandforthbehindtheeyelidsasifwatchingamovie,andbrainwavetracesresemblethoseofwakefulness.Itisduringthisperiodofsleepthatpeoplearemostlikelytoreliveeventsofthepreviousdayindreams.

Dr.MaquetusedanelectronicdevicecalledPETtostudythebrainsofpeopleastheypracticedataskduringtheday,andastheysleptduringthefollowingnight.Thetaskrequiredthemtopressabuttonasfastaspossible,inresponsetoalightcomingoninoneofsixpositions.Astheylearnthowtodothis,theirresponsetimesgotfaster.Whattheydidnotknowwasthattheappearanceofthelightssometimesfollowedapattern—whatisreferredtoas"artificialgrammar".Yetthereductionsinresponsetimeshowedthattheylearntfasterwhenthepatternwaspresentthanwhentherewasnot.

Whatismore,thosewithmoretolearn(i.e.the"grammar",aswellasthemechanicaltaskofpushingthebutton)havemoreactivebrains.The"editing"theorywouldnotpredictthat,sincethenumberofirrelevantstimuliwouldbethesameineachcase.Andtoeliminateanydoubtsthattheexperimentalsubjectswerelearningasopposedtounlearning,theirresponsetimeswhentheywokeupwereevenquickerthanwhentheywenttosleep.

Theteam,therefore,concludedthatthenerveconnectionsinvolvedinmemoryarereinforcedthroughreactivationduringREMsleep,particularlyifthebraindetectsaninherentstructureinthematerialbeinglearnt.Sonow,ontheeveofthatcrucialtest,mathsstudentscansleepsoundlyintheknowledgethatwhattheywillrememberthenextdayarethebasicrulesofalgebraandnottheincoherenttalkfromtheradionextdoor.

Researchersinbehavioralpsychologyaredividedwithregardto______.

A.howdreamsaremodifiedintheircourses

B.thedifferencebetweensleepandwakefulness

C.whysleepisofgreatbenefittomemory

D.thefunctionsofagoodnight'ssleep

36.(73)

37.

______coversbuildingspaceof90thousandsquaremeters?

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.

Whatcanbeconcludedaccordingtotheauthor'sviewofthe"obesitygenes"?

A.Peoplewithageneticinclinationtogainweightcanslim.

B.Peoplewhoarebornfatwillremainthatwayalllife.

C.Alleffortstoloseweightwillprovefruitless.

D.Fatpeoplecanliveaveryhappylife,too.

40.

Whatdoestheauthormeanby"betteroff"(Line4,Paragraph3)?

A.Richer.B.Wiser.C.Happier.D.Luckier.

四、阅读理解(5题)41.

第

24

题

4.__________

42.

第

29

题

Wecandrawaconclusionfromthetextthat__________．

43.

根据下列文章回答36～40题：

第

36

题

Whichofthefollowingcallproducethestrongestshock?

44.

第

28

题

theenvironmentalproblemsarenotcausedovernight?__________

45.

根据下列文章回答31～35题：

第

31

题

WhatdidCosgrovedobeforehebecameateacherteachinghistory?

参考答案

1.B

2.B

3.theirearlyyears

4.A

5.B

6.A

7.B

8.B

9.B

10.C

11.Inhisoffice

12.A

13.Feedingpigs．

14.B

15.B

16.nono解析：本句话的意思是“那些趾高气扬的人不可能是那些平易近人的人”。这是否定的意思，故答案为no。

17.thatthat解析：参见32题解析，idea与bigachievementsrarelycomeea