Passage 2

　　Life insurance isn't fun to buy.It forces you to think about your death,a subject many prefer not no face.But there's a single,overriding reason to buy life insurance:to provide an income for your dependents should you die.

　　Don't depend only on an agent to figure your life-insurance needs.Rule-of-thumb estimates such as five or eight times your income are guesses;they may produce too little or too much insurance.Carry too little insurance and you may not provide a reasonable standard of living for your family after your death;carry too much and you may not enjoy a reasonable of living while you are alive.

　　Most people who have life insurance don't have enough.The median amount of coverage for all adults with life insurance was only ￡15 000

　　in 1984.That's obviously not enough to sustain a family with young children for very long.Nationwide Insurance found that the married men in its 1984 survey carried an average of about ￡101 880 in life insurance;they needed about ￡100 706 more.Married women carried about ￡43 516 worth insurance needed some ￡98 507 more.

　　How do you determine the amount of life insurance you would need to maintain your family's current life style if the breadwinner died?First,figure what your family's expenses would be if you died tomorrow.Then analyze your assets and the sources of income that you can use to cover the expenses,Finally,subtract(減去)the assets from the needs.The result is the amount of additional insurance that you'll need to buy.

　　5)The reason why life insurance is not fun to buy lies in that________.

　　A.many people prefer not fo face the subject

　　B.there is a single.overriding reason

　　C.in reminds you that you may die one day

　　D.it forces you to think

　　6)If you carry too lottle or too much insurance________.

　　A.either you or your family might suffer

　　B.you may not provide a reasonable standard of living for your family after your death

　　C.you may not enjoy a reasonable standard of living while you're alive

　　D.you will know in the end that they are just wild guesses

　　7)How do you determine the amount of life insurance you would need?

　　A.Analyze your assets and sources of income

　　B.Estimate your family's expenses

　　C.Take away the assets from the expenses

　　D.All of the above

　　Passage 3

　　The beavers of North America build a dam to create an artificial lake in which to construct an island home or lodge.Often the beavers work in colonies.After choosing a narrow place in a shallow stream with a firm bottom,they set to work felling trees by standing on their hind legs and gnawing(咬)round the trunks with their large chisel-like teeth.When the tree is down,the beavers lop(砍)off the branches and cut the trunk into suitable lengths which they drag into the stream and sink across the current.Sticks,stones and mud are used to keep the dam in position and make it watertight.

　　In the middle of the lake thus created the beavers use the same materials to build their lodge.When completed this is a dome-shaped(圓屋頂?shù)?，ventilated(通風(fēng)的)structure about 8 feet in diameter and rising well clear of the surface of the lake.There are two entrances,both under water.One of these is used for general purpose,the other as an escape route in an emergency or for bringing in food.

　　The lodge serves as a home,a nursery for the baby beavers and a storehouse for food in winter.The beavers feed chiefly on the bark of trees,of which they keep a plentiful supply at the bottom of the dam,on the ded of the lake and built into the fabric of their home.

　　In winter,when the lake is frozen over and snow covers the ground,the lodge is virtually an impregnable(牢不可破的)fortress(堡壘)which the beavers can leave and enter by swimming under the ice.Beavers are experts at keeping the water in the lake at the right level by constructing canals.They work industriously to maintain both dam and lodge -hence the origin of that popular phrase about being “as busy as a beaver”。

　　8)The main idea of this passage is________.

　　A.the beaver's living habit

　　B.the beaver's eating habit

　　C.the beaver's working habit

　　D.the beaver's protection habit from its enemy

　　9)According to the passage,which of the following is NOT true?

　　A.Beavers have large teeth like shisels.

　　B.Beavers'home is dome-shaped and ventilated.

　　C.The island home has two entrances,both of which are near the surface of water.

　　D.Beavers chiefly eat barks of trees.

　　10)The author adds the popular phrase “as busy a beaver”to the end of the passage just for________.

　　A.introfucing the origin of the popular phrase

　　B.concluding the hard-working character of the beavers

　　C.giving entertainment to the readers

　　D.showing the wide range of knowledge of the author himself

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