2021年吉林省松原市公共英语五级(笔试)测试卷(含答案)

2021年吉林省松原市公共英语五级(笔试)测试卷(含答案)学校:________班级:________姓名:________考号:________

一、1.ListeningComprehension(15题)1.Whatisbehavioralmanagementbasedon?

2.Dr.WilsonsuggeststhatWangshouldextendhisstayattheuniversity.

A.TrueB.Fasle

3.MostpeopleinthemountainsofEduadordrinkalotofcoffeeandalcohol,buttheystilllivelong.

A.TrueB.Fasle

4.PartA

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

听力原文：W:Comein,please.

M:Goodmorning,Dr.Wilson.

W:Goodmorning,Wang.Hownicetomeetyouagain.Takeaseat...whydon'tyou,please.Whendidyougettotheuniversity?

M:Iarrivedyesterday.

W:Well...areyoulivinginthecollege?

M:No,IamwithanEnglishfamily...actually...becauseIwanttoimprovemyspeaking.

W:Oh,fine.Right,didyoutakealanguageproficiencytestbeforeyoucame?

M:Yes.Uhh...myOverallBandis6,but...unfortunatelymyspeakingscoreisonly5.

W:OK,youknow,hereinthisuniversity,youhavetotakeourownEnglishtestbeforeyouattendanylectures.So,firstofall,whatwe'vegottodois,wehavetomakeanarrangementforthetestdate.Umm...willtomorrowbeallrightforyou?

M:Yeah,Ihavetimetomorrowmorning.

W:Good,then.Tomorrowatten.Idon'tthinkthetestwillbeanyproblemforyou.Now,let'smakesureyoumakegooduseofyourtimehere.Let'sputitlikethis.Whatexactlydoyouwanttoaccomplishinthenext12months?

M:I'minterestedincomputerlanguagetranslation,Imean,fromEnglishtoChineseandChinesetoEnglish.I'lltry,ifpossible,toproducesoftwareoradevicewhichcanserveasaninterpreter.

W:Yes,couldyoubeabitmorespecificabout...er...thedevice?

M:Forinstance,whenyoutalktothedeviceinEnglishitwilltranslateyourwordsintoChineseandviceversa.

W:Uhuh...doyoumeanit'llbeascompetentas...er...ahumaninterpreter?

M:Yes...well,I'llletitdealwithgeneralsituations,atleast.

W:Fascinating...andhowbigwillthedeviceitselfbe,doyouthink?

M:Thesizeofacigarettepack,Ithink.Sopeoplecanputitintheirpocket.

W:Really?Well,thatcouldbeaPh.Dproject.Tellmewhatyouhavedonesofar.

M:Inmyfouryearsofundergraduatestudy,Istudiedelectronics,advancedmathematics,hardwaredesigning,somecomputerlanguagesandprogramwriting.

W:Yes,buthaveyoudoneanypracticaljobs?Imean,haveyouwrittenanyprogramsforpracticaluse?

M:IhadbeeninvolvedinaprojectforCADinashipyard.

W:Computeraideddesign.Thatwasprobablyagoodexperience,but,unfortunately,itmaynothelpyourpresentprojectmuch.AreyoufamiliarwiththeC-language?

M:No.

W:Uhuh...thephoneticprocessingsystem,doyouknowhowsuchasystemworks?

M:Whatdoyoumeanby"phoneticprocessingsystem"?

W:Well,youknow,Englishisspokenbydifferentpeoplewithdifferentaccents.YourEnglishaccentisdifferentfrommine,andofcoursemineisnotthesameasmycolleagues'.SoasIseeit,yourdevicewouldhavetobeabletorecogniseandunderstanddifferentaccents.

M:Oh,Isee.IthinkIcanlearntheC-languageandthephoneticprocessingsystemhere.

W:Well,that'sprobablytrue,butyou'vegotonlytwelvemonthsandyouwantadegree,don'tyou?M:Yes.

W:OK,sothere'retwowaysofstudyingforadegreehere.Youeithertakesixcourses,passtheirexamsandhaveyourdissertationacceptedortheotherwayisyoudosomeresearchworkandsubmityourprojectreport.M:IthinkI'lltakethesecondway,

W:Fine,butareyousureyoucanfinishyourprojectintwelvemonths?

M:Idon'tknow,butIcanworktwelvehoursperdayandsevendaysperweek.

W:Well,I'dsuggestyouspendsometimeinourlibrary,tryingtofindoutwhatotherstudentshavedonebeforeandperhapsreconsideryourownproject,tosomeextent.Youmightnarrowyourresearcharea,concentratingonsolvingoneortwomajorproblems.And,it'dbeagoodideatotalktoyourcolleaguesinthelab,first.Anyway,I'msurewecanworkoutsomethinggood.ShallIseeyouagaininthreedays'time?

M:A11rig

A.TrueB.Fasle

5.Judgingbytheextraordinarilywarmclothessomepeoplewear,whatmightwelearnaboutthem?

A.Theymaybehomesickandfeelinsecure.

B.Theyareeithercoldorverysick.

C.Theymaytrytoattractotherpeople'sattention.

D.Theywanttoprotectthemselvesfromphysicalinjuries.

6.听力原文：M：Soyoureallybelievethatclothescarryakindofmessageforotherpeopleandthatwhatweputonisinsomewayareflectionofwhatwefeel?

W：Ohyes，verymuchso．Nowpeoplearebeginningtotakeseriouslytheideaofakindofpsychologyofclothing，tobelievethatthereisnotjustindividualtasteinourclothesbutalsoathinkingbehindwhatwewearwhichistryingtoexpresssomethingwemaynotevenbeawareofourselves．

M：Butsurelythishasalwaysbeenthecase．Wealldressupwhenwewanttoimpresssomeone，suchasforajobinterviewwithaprospectiveemployer；wethenmakeaneffortandputonsomethingsmart．

W：True,butthat'saconsciousact．WhatIamtalkingaboutismoreofasubconsciousthing．Takeforexamplethestudentwhoisawayfromhomeatcollegeoruniversity：ifhetendstowraphimselfupmorethantheothers，thisisbecauseheisprobablyfeelinghomesick．Similarly，ageneralfeelingofinsecuritycansometimestaketheform.ofoverdressinginwarmerclothesthannecessary．

M：Canyougiveanyotherexamples?

W：Yes．Ithinkpeoplewhoaresociableandoutgoingtendtodressinanextrovertedway，preferringbrighterormoredazzlingcolorsyellows，brightreds，andsoon．Inthesameway，whatmightbeseenasaparallelwiththeanimalkingdom，aggressiveclothesmightindicateanaggressivepersonalityorattitudetolife．Thinkaboutthethreatdisplaysusedbyanimalswhentheywanttowarnoffopponents．

M：Doyouthinkthecareorlackofitoverthewayweactuallywearourclotheshasanythingtotellus?

W：Yes，indeed．Thelength，forexample，ofaman'strousersspeaksvolumesabouthisawarenessofhisownimage．Or，ifhistrousersaretooshortorhangingloosely，thisprobablymeanshe'sabsorbedbyotherthings．

Accordingtothewoman,whatgovernstheclotheswewear?

A.Adesiretoexpressoneselfandshowone'swealth.

B.Individualtasteandloveforbeauty.

C.Loveforbeautyandadesiretoimpressotherpeople.

D.Individualtasteandadesiretoexpressoneself.

7.Whichsubjectdoesthestudentsayshewasgoodat?

A.Computerprogramming.

B.Artanddesign.

C.Electronics.

D.Mathematics.

8.WhendidDicksongotoBostonforeyetreatment?

A.In1848.

B.Intheearly1850s.

C.Inthelate1850s.

D.Intheearly1860s.

9.Strokesmaysometimesdestroyallofthemirrorimage.

A.RightB.Wrong

10.Howcanthemosteffectivecomplaintbemade?

A.Showingthefaultitemtothemanager.

B.Explainingexactlywhatiswrongwiththeitem.

C.Sayingfirmlythattheitemisofpoorquality.

D.Askingpolitelytochangetheitem.

11.PartC

Directions:Youwillhearatalk.Asyoulisten,answerthequestionsorcompletethenotesinyourtestbookletforQuestions21-30bywritingNOTMORETHANTHREEwordsinthespaceprovidedontheright.YouwillhearthetalkTWICE.

Younowhave1minutetoreadQuestions21-30.

听力原文：Thetenyearsofthe1960swasaperiodofprofoundchangeinmanypartsoftheworld.IntheUnitedStates,beginningwiththeCivilRightsMovementintheearly1960s,andextendingthroughtheVietnamWar,millionsofAmericansbegantochallengeestablishedauthority.Thesemovementswereinitiallypolitical.YoungAmericansdemandedthatgovernmentalpoliciesinracerelationsandinternationalrelationscorrespondtotheidealsofjusticecontainedintheDeclarationofIndependenceandtheConstitutionoftheUnitedStates.Bytheendofthedecade,however,challengestoauthoritywerecarriedfarbeyondpoliticalissuesandweredirectedatthesocialorderanddeeplyrootedculturalpatternsofthecountry.

Thegenerationthatcameofageinthe1960s,theBabyBoomgeneration,soughtchangeinalmosteveryaspectoflifeintheUnitedStates.Forexample,theyexperimentedwithcooperativeeconomicinstitutionsandcommunallivingarrangements,brokesexualtaboos,alteredtheprocessofeducation,explorednon-Westernspiritualtraditions,developedastrongrespectfortheenvironment,andtransformedpopularculture.Asawhole,thesechangesstoodforadifferentsetofculturalvaluesthatprovidedathoroughcritiqueofAmericansocietyasitexistedatthattime.Althoughmany"alternativelifestyles"wereshort-lived,culturalchangesthatbeganinthatperiodhavehadacontinuingeffectonmuchofAmericanlife,particularlyinattitudestowardmale-femalerelations.

Allculturesarecomplex.Theyareacombinationofcloselyrelatedpatternsofsocialinteraction.Asaresult,changesinanimportantaspectofaparticularculturewillusuallyproducechangesthroughoutthesociety.TheWomen'sMovementthatbeganintheUnitedStatesduringthe1960sisatypicalexampleofthisphenomenon.Fromthebeginning,theWomen'sMovementwasinfluencedbyculturalchangesthathadoccurredearlierinthedecade.TheCivilRightsMovementforracialequalityandthedevelopmentofthebirthcontrolpillwereparticularlyimportant—theCivilRightsMovementbecausewomeninvolvedintheeffortforracialjusticebegantoseethemselvesasvictimsofsocialinjustice,andthebirthcontrolpillbecauseitgavewomenreliablecontroloverreproduction.

Social,economic,andlegalequalityandreproductiverightscontinuetobethebasicprinciplesoftheWomen'sMovement.Assomeofthesegoalshavebeenachieved,majorchangeshaveoccurredinbroaderculturalpatternssuchastheeconomyandthefamily.Atthepresenttime,mostofAmericanwomenareemployed.Employmentisnolongerconfinedtosuchtraditionalfemaleoccupationsasteacher,nurse,orsecretary.Womenarenowfoundineveryoccupationandatalllevelsofresponsibilityandauthority.Participationintheeconomyhasgivenmanywomenanindependencethathasallowedthemtochoosewhether,when,andhowtoform.afamily.Workingwomenwithinfamiliesnowarepartofaneconomicpartnershipwithmeninwhichbothadultsprovidesupportforthefamilyunitandareresponsibleforthequalityoflife.

TheWomen'sMovementhasaffectedtherelationshipbetweenmenandwomeninthefamilyinotherwaysaswell.Womenhavechallengedtraditionalsexrolesinthehousehold.Menarenowexpectedtoparticipateinchild-raisinganddomesticactivitiestoamuchgreaterextentthaninthepast.Childbearingisnowamatteroffamilychoice,withwomenhavingthefinaldecisioninfamilyplanning.

Alloftheseculturalchangesarestrengthenedinboththemediaandint

12.Thesuccessofchainschoolsistosomeextentbecauseoftheirmarketingandadvertising.

A.RightB.Wrong

13.Whatsuggestiondoesthemanthinkitisgood?

A.Trytogiveupsmoking.

B.Eatsweetseverydayinsteadofsmoking.

C.Trytogiveuponecigaretteeveryday.

D.Gotoahypnotist.

14.Whyshouldamanagerstudybehavioralmanagement?

15.PartC

Directions:Youwillhearatalk.Asyoulisten,answerthequestionsorcompletethenotesinyourtestbookletforQuestions21-30bywritingNOTMORETHANTHREEwordsinthespaceprovidedontheright.YouwillhearthetalkTWICE.

Younowhave1minutetoreadQuestions21-30.

听力原文：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．andthepostofficewasfarawayoverroughroads．Sothesettlersfoundatreethatstoodwhereseveraltrailscrossed．Theycutthetreedowntenfeetfromtheground．holloweditout．andcovereditwitharoof．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．

二、2.UseofEnglish(10题)16.

【C8】

17.

【C14】

18.

【C17】

19.

【C13】

20.(50)

21.(48)

22.

【C16】

23.(37)

24.(40)

25.(46)

三、3.ReadingComprehension(15题)26.(73)

27.(78)

28.

______canbeusedtoheatyourwaterathomeinsteadofsomuchgasorelectricity?

29.

"Itwaslikeofferingtodropasafeonmyheadtocuremyheadache"inthelastbutoneparagraphmeansthat______.

A.dietechnician'sproposalwouldmaketilingsevenworse

B.thetechnician'sproposalcouldeventuallysolvetheproblem

C.filesstoredonhercomputerwerelikeasafe

D.erasingtheentiresystemwaslikecuringaheadache

30.

Theeffectsofalmostuniversalemploymentwereoverwhelminginthat_______．

A.thehouseholdandvillagecommunitydisappearedcompletely

B.mennowtravelledenormousdistancestotheirplacesofwork

C.youngandoldpeoplebecamesuperfluouscomponentsofsociety

D.theworkstatusofthosenotinpaidemploymentsuffered

31.

Whichofthefollowingstatementsistrueaboutinsuranceproducts?

A.Peoplehavenochoicewhenbuyinginsuranceproducts.

B.Thereweresomanychoicesininsuranceproductsinthepastthatpeoplefounditdifficulttomakeadecision.

C.Therearenobetterandcheaperinsuranceproducts.

D.Itisbetterforpeopletohavesomanyinsuranceproductstochoose.

32.PartB

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

Inthefollowingarticlesomeparagraphshavebeenremoved.ForQuestions66～70,choosethemostsuitableparagraphfromthelistA～Ftofitintoeachofthenumberedgaps.Thereisoneparagraphwhichdoesnotfitinanyofthegaps.MarkyouranswersonANSWERSHEET1.

DoesthepublisherofDouglasStarr'sexcellentBlood--AnEpicHistoryofMedicineandCommerceactuallyexpecttosellmanycopies?Whoeverchosethetitleiscertaintoscareoffthesqueamish,andthesubtitle,whichmakestheeffortsoundlikeadry,densesurveytext,hasreallydonethisbookadisservice.Infact,thebraveandcuriouswillenjoyabrightlywritten,intriguing,anddisquietingbook,withsomeimportantlessonsforpublichealth.

66.______

Thebookbeginswithahistoricalviewoncenturiesofloreaboutblood--inparticular,thebeliefthatbloodcarriedtheevilhumorsofdiseaseandrequiredoccasionaldraining.AsrecentlyastheRevolutionaryWar,bloodlettingwaswidelyappliedtotreatfevers.Theideaofusingoneperson'sbloodtohealanotherisonlyabout75yearsold—althoughroguescientistshadexperimentedwithtransfusinganimalbloodatleastasearlyasthe1600s.Thefirsttransfusionexperimentsinvolvedstitchingadonor'svein(inearlycasesthephysician's)toapatient'svein.

67.______

Sabotagedbynotionsaboutthe"purity"oftheirgroups'blood,JapanandGermanylaggedwellbehindtheAlliesintransfusionscience.OncetheyrealizedtheywerelosinginjuredtroopstheAllieshadlearnedtosave,theytriedtocatchup,conductinghorribleandunproductiveexperimentssuchasdrainingbloodfromPOWsandinjectingthemwithhorsebloodorpolymers.

68.______

Duringtheearlytomid-1980s,Startsays,10,000Americanhemophiliacsand12,000otherscontractedHIVfromtransfusionsandreceiptofbloodproducts.Bloodbanksbothhereandabroadmovedslowlytoacknowledgethethreatofthevirusandinsomecasesevenactedwithcriminalnegligence,allowingthedistributionofbloodtheyknewwastainted.Thisisnotnewmaterial.ButStarr'sinsightsaddadimensiontoastoryfirstexploredinthelateRandyShilts'sAndtheBondPlayedOn.

69.______

Isthebloodsupplysafenow?Screeningproceduresandtechnologyhavegottenmuchmoreadvanced.Yetit'sdisturbingtoreadStarr'scontentionthatapersonreceivingmultipletransfusionstodayhasaboutalin90,000chanceofcontractingHIV--farhigherthanthe"oneinamillion"figurethatbloodbankersonceblithelyandfalselyquoted.Moreover,newpathogensthreatentoemergeandspreadthroughtheincreasinglyhigh-speed,globalblood-productnetworkfasterthansciencecanstopthem.ThispromptsStarttoarguethattoday'sbloodstoresare"simultaneouslysaferandmorethreatening"thanwhendistributionwaslesssophisticated.

70.______

A.Themassivewartimeblooddriveslaidthegroundworkformodernblood-banking,whichhassavedcountlesslives.Unfortunately,thesedevelopmentsalsosetthestageforagreatmoderntragedy--thespreadofAIDSthroughtheinternationalbloodsupply.

B.Thereissomuchdrama,power,resonance,andimportantinformationinthisbookthatitwouldbeashameifthesqueamishwerescaredoff.Perhapsthekeylessonisthis:Thepublichealthmustalwaysbeguardedagainstthepressuresandpitfallsofcompetitivemarketsandhumanfallibility.

C.Inhischronicleofaresource,Startcoversanenormousamountofground.Hegivesusanaccountofmankind'sattitudesovera400-yearperiodtowards

33.(69)

34.(77)

35.

______istheoldestoneamongthefourinthetext?

36.PartC

Directions:Answerquestions71-80byreferringtothefollowinggames.

Note:AnswereachquestionbychoosingA,BorCandmarkitonANSWERSHEET1.Somechoicesmayberequiredmorethanonce.

Note:AnswereachquestionbychoosingA,B,CorDandmarkitonANSWERSHEET1.Somechoicesmayberequiredmorethanonce.

A=BOOKREVIEW1B=BOOKREVIEW2

C=BOOKREVIEWS3D=BOOKREVIEW4

Whichbookreview(s)contain(s)thefollowinginformation?

Comparisonofthesignificanceoftwoeconomicbooks.71.______

Stiglitz'sprestigeinthefieldofeconomics.72.______

Stiglitz'scriticismofthosewhoexaggeratedthepowerofmarketsindevelopingcountries.73.______

Policymakingshouldconsiderlocalconditions.74.______

Theinterventionofgovernmentisthewaytoassistglobalization.75.______

Stiglitz'sdedicationtothedevelopmentofpoorcountries.76.______

Stiglitz'spreferenceofonetypeofeconomicpolicyoveranotherone.77.______

MorepeoplejoinedStiglitzincriticizingfreetradeandglobalization.78.______

Stiglitz'spointshavebeensupportedbywhatactuallyhappenedinthecountry.79.______

MainlygivespositivecommentsonStiglitzandhisnewbook.80.______

A

Themainpointofthebookissimple:globalizationisnothelpingmanypoorcountries.Incomesarenotrisinginmuchoftheworld,andadoptionofmarket-basedpoliciessuchasopencapitalmarkets,freetrade,andprivatizationaremakingdevelopingeconomieslessstable,notmore.Insteadofabiggerdoseoffreemarkets,Stiglitzargues,what'sneededtomakeglobalizationworkbetterismoreandsmartergovernmentintervention.Whilethishasbeensaidbefore,theideascarrymoreweightcomingfromsomeonewithStiglitz'scredentials.Insomeways,thisbookhasthepotentialtobetheliberalequivalentofMiltonFriedman's1962classicCapitalismandFreedom,whichhelpedprovidetheintellectualfoundationforagenerationofconservatives.ButGlobalizationandItsDiscontentsdoesnotrisetothelevelofcapitalismandfreedom.WhileStiglitzmakesastrongcaseforgovernment-orienteddevelopmentpolicy,heignoressomekeyargumentsinfavorofthemarket."Thebook'smainvillainistheInternationalMonetaryFund,theWashingtonorganizationthatlendstotroubledcountries",Stiglitz'contemptfortheIMFisboundless,"ItisclearthattheIMFhasfailedinitsmission,"hedeclares."ManyofthepoliciesthattheIMFpushedhavecontributedtoglobalinstability."

B

Whilepartsofthisbookaredisappointinglyshallow,Stiglitz'scritiqueofthemarket-driven90'sstillresonates,especiallywhenthebusinesspageisfullofstoriesaboutwhite-collarcrimeandthestockmarketseemsstuckinaperpetualrut.EventheUnitedStatescannotblithelyassumethatfinancialmarketswillworkonautopilot.ItistestamenttothesalienceofStiglitz'sargumentsthatmanyeconomists—evensomeBushAdministrationofficials—nowembracehisviewthateconomicchangeinthedevelopingworldmustevolvemorewithlocalconditions,notonWashington'scalendar.Withoutathoroughmakeover,globalizationcouldeasilybecomeaquagmire.StiglitzsharedaNobelPrizelastyearforhisworkanalyzingtheimperfectionsofmarkets.Hismaincomplainta-gainstRubinandSummers,whoservedasTreasurySecretaries,andagainstFischer,theNO.2officialanddefactochiefexecutiveoftheinternationalMonetaryFund,isthattheyhadtoomuchfaiththatmarketscouldtransform.poorcountriesovernight.Helabelsthesethreemenmarketfundamentalists,whofoughttomaintainfinancialsta

37.

Whatisthemainpurposeofthepassage?

A.Tooutlinetheresearchfindingsonthebrainstructure.

B.Toexplainthelinkbetweensexandbrainstructure.

C.Todiscussthevariousfactorsthatcausebraindifferences.

D.Tosuggestnewareasinbrainresearch.

38.(68)

39.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;everybodywassellingthesameproductandeverybodyhadt