2021-2022年山东省聊城市公共英语五级(笔试)知识点汇总（含答案）

2021-2022年山东省聊城市公共英语五级(笔试)知识点汇总（含答案）学校:________班级:________姓名:________考号:________

一、1.ListeningComprehension(15题)1.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,firstofau．whatwe'vegottodois,wehavetomakeanarrangementforthetestdate.Umm…willtomorrowbeallfightforyou?

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,butareyousureyoucallfinishyourprojectintwelvemonths?

M：Idon'tknow.butIcanworktwelvehoursperdayandsevendaysperweek.

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

A.RightB.Wrong

2.Mr.Millerenjoysdoingthingswithhisownhands.

A.TrueB.Fasle

3.MDdecidescompany'spoliciesandcarriesthemout.

A.TrueB.Fasle

4.Whatdoesthespeakerrefertheactivityofanyorganizationto?

5.Dr.WilsonissatisfiedwithWang'spastexperience.

A.RightB.Wrong

6.Paulcouldreachalltheswitchesbecausetheywereoriginallyinstalledattherightheightofhim.

A.TrueB.Fasle

7.Warmwatercan'tcoolus,butcoldwatercan.

A.RightB.Wrong

8.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

9.听力原文：Farmersusuallyuseplowstopreparetheirfieldsforplantingcrops.Plowscutintotheground,andliftupweeds,andotherunwantedplants.However,plowingisblamedforcausingseveredamagetotopsoilbyremovingtheplantsthatprotectsoilfrombeingblownorwashedaway.ManyfarmersinSouthAsiaarenowtryingaprocesscalledLowTillFarming.LowTillFarminglimitstheuseofplows.Inthismethodoffarming,seedsandfertilizerareputintothesoilthroughsmallcutsmadeinthesurfaceoftheground.LowTillAgricultureleavesmuchorallthesoilandremainsofplantsontheground.Theyserveasanaturalfertilizerandhelpsupporttherootsoffuturecrops.Theytakeinrainandallowittoflowintothesoilinsteadofrunningoff.IthasbeenprovedthatLowTillFarmingincreaseshar-vestsandreduceswateruse,andthismethodreducestheneedforchemicalproductsbecausetherearefewerunwantedplants.ScientistssayLowTillFarmingisbecomingpopularinSouthAsia,whichisfacingaseverewatershortage.TheysaytheareawillbecomedependentonimportedfoodunlesswaterissavedthroughmethodslikeLowTillFarming.Currently,morethan150millionpeopleinSouthAsiadependonlocalriceandwheatcrops.Farmersgrowriceduringwetweather.Duringthedryseasontheygrowwheatinthesamefields.FarmersareusingtheLowTillFarmingmethodtoplantwheatafterharvestingrice.ScientistssayLowTillAgricultureisoneofthebestexamplesintheworldoftechnologiesworkingforbothpeopleandtheenvironment.

Whatismemainproblemcausedbytheusualwayofplowing?

A.Thecrop'sbloomingperiodisdelayed.

B.Therootsofcropsarecutoff.

C.Thetopsoilisseriouslydamaged.

D.Thegrowthofweedsisaccelerated.

10.PartB

Directions:Youwillhear3conversationsortalksandyoumustanswerthequestionsbychoosingA,B,CorD.YouwillheartherecordingONLYONCE.

听力原文：Doyoufindgettingupinthemorningdifficultandpainful?Thismightbecalledlaziness,butDr.Kleimanhasanewexplanation.Hehasprovedthateveryonehasadailyenergycycle.

Duringmehourswhenyoulaborthroughyourworkyoumaysaythatyou're"hot".That'strue.Thetimeofdaywhenyoufeelmostenergeticiswhenyourcycleofbodytemperatureisatitspeak.Forsomepeoplethepeakcomesduringtheforenoon.Forothersitcomesintheafternoonorevening.Noonehasdiscoveredwhythisisso.Thepossibleexplanationisthatoneisathistemperature-and-energypeakintheevening.Muchfamilyquarrelingendswhenhusbandsandwivesrealizewhattheseenergycyclesmean,andwhichcycleeachmemberofthefamilyhas.

Youcan'tchangeyourenergycycle,butyoucanlearntomakeyourlifefititbetter.Habitcanhelp,Dr.Kleimanbelieves.Maybeyou'resleepyintheeveningbutfeelyoumuststayuplateanyway.Counteractyourcycletosomeextentbyhabituallystayinguplaterthanyouwantto.Ifyourenergyislowinthemorningbutyouhaveanimportantjobtodoearlyintheday,risebeforeyourusualhour.Thiswon'tchangeyourcycle,butyou'llgetupandworkbetteratyourlowpoint.

Getofftoaslowstartwhichsavesyourenergy.Getupwithaleisurelyyawnandstretch.Sitontheedgeofthebedaminutebeforeputtingyourfeetonthefloor.Avoidthetroubleforcleanclothesbylayingthemoutthenightbefore.Wheneverpossible,doroutineworkintheafternoonandsavetasksrequiringmoreenergyorconcentrationforyoursharperhours.

Whatshouldonedoifhewantstoworkmoreefficientlyathislowpointinthemorning?

A.Changehisenergycycle.

B.Overcomehislaziness.

C.Getupearlierthanusual.

D.Gotobedearlier.

11.Wherewastheinterviewconducted?

12.What'sthecommonmisconceptionaboutartandscience?

13.MrMillerboughthishousesimplybecausetheflatheusedtoliveinwastooexpensive.

A.RightB.Wrong

14.PeopleintheCaucasusMountainsnotonlylivelongbutalsohaveagoodphysicalcondition.

A.RightB.Wrong

15.Yourwishtovisitsomefar-offplacescanberealizedbyjustreadingbooks.

A.RightB.Wrong

二、2.UseofEnglish(10题)16.(38)

17.

【C9】

18.(34)

19.(44)

20.

【C10】

21.(43)

22.

【C18】

23.(46)

24.

【C14】

25.“Down-to-earth”meanssomeoneorsomethingthatishonest.realisticandeasytodealwith.Itisapleasuretofind【C1】______whoisdown-to-earth.Apersonwhoisdown-to-earthiseasytotalk【C2】______andacceptsotherpeopleasequals.Adown-to-earthpersonisjustthe【C3】______ofsomeonewhoactsimportantorproud.

Down-to-earthpersonsmaybe【C4】______membersofsociety,ofcourse.Buttheydonotlettheirimportance“【C5】______totheirheads”.Theydonotconsiderthemselvestobebetterpersonsthan【C6】______oflessimportance.Someonewhoisfilledwithhisownimportanceandpride,【C7】______withoutcause,issaidtohave“hisnoseintheair”.Thereis【C8】______wayapersonwithhisnoseintheairCanbedown-to-earth.

Americans【C9】______anotherexpressionthatmeansalmostthesameas“down-to-earth”.Theexpressionis“both-feet-on-me-ground”.Someone【C10】______both-feet-on-me-groundisapersonwithagoodunderstanding【C11】______reality.Hehaswhatiscalled“commonsense,”hemayhavedreams,【C12】______hedoesnotallowthemtoblockhisknowledgeof【C13】______isreal.

Theoppositekindof【C14】______isonewhohashis“head-in-the-clouds”.Amanwithhishead-in-the-cloudsisadreamer【C15】______mindisnotintherealworld.

【C16】______,suchadreamercanbebroughtbacktoearth.SharpwordsfromteacherCanusually【C17】______aday-dreamingstudentdown-to-earth.

Usually．thepersonwhoisdown-to-earthisvery【C18】______tohavebothfeetontheground.【C19】______wehavebothourfeetontheground,whenwearedown-to-earth,weacthonestlyandopenly【C20】______others.OurlivesarelikethegroundbelowUS,solidandstrong.

【C1】

三、3.ReadingComprehension(15题)26.(78)

27.(69)

28.

WhatdoestheauthorthinkofBotticelli'srepresentationskills?

A.Theyaretobefullyappreciated.

B.Theyevolvefromanuncertainsource.

C.Theyunderliehispersonality.

D.Theyconform.totheclassicalstyle.

29.

______isagoodmethodofsupplyingenergytoremoteareas?

30.PartC

Directions:Answerquestions71-80byreferringtothefollowinggames.

Note:AnswereachquestionbychoosingA,BorCandmarkitonANSWERSHEET1.Somechoicesmayberequiredmorethanonce.

Answerquestions71～80byreferringtothefollowinggames.

Note：AnswereachquestionbychoosingA,B,CorD.Somechoicesmayberequiredmorethanonce.

A=HydropowerB=NuclearpowerC=SolarpowerD=Windpower

Whichpower(power's)…

A

Hydropower

Introduction

Wehaveusedrunningwaterasanenergysourceforthousandsofyears,mainlytogrindcom.

ThefirsthouseintheworldtobelitbyhydroelectricitywasCragsideHouse,inNorthumberland,England,in1878.In1882ontheFoxRiver,intheUSA,hydroelectricityproducedenoughpowertolighttwopapermillsandahouse.

Nowadaystherearemanyhydro-electricpowerstations,providingaround20%oftheworld'selectricity.Thenamecomesfrom“hydro”,theGreekwordforwater.

Howitworks

Adamisbuilttotrapwater,usuallyinavalleywherethereisanexistinglake.

Waterisallowedtoflowthroughtunnelsinthedam,toturnturbinesandthusdrivegenerators.

Advantages

Oncethedamisbuilt,theenergyisvirtuallyfree.

Nowasteorpollutionproduced.

Muchmorereliablethanwind,solarorwavepower.

Watercanbestoredabovethedamreadytocopewithpeaksindemand.

Hydro-electricpowerstationscanincreasetofullpowerveryquickly,unlikeotherpowerstations.

Disadvantages

Thedamsareveryexpensivetobuild.

Buildingalargedamwillfloodaverylargeareaupstream,causingproblemsforanimalsthatusedtolivethere.

Findingasuitablesitecanbedifficult--theimpactonresidentsandtheenvironmentmaybeunacceptable.

Waterqualityandquantitydownstreamcanbeaffected,whichcanhaveanimpactonplantlife.

Isitrenewable?

Hydro-electricpowerisrenewable.

TheSunprovidesthewaterbyevaporationfromthesea,andwillkeepondoingso.

B

Nuclearpower

Introduction

NuclearpowerisgeneratedusingUranium,whichisametalminedinvariouspartsoftheworld.

Thefirstlarge-scalenuclearpowerstationopenedatCalderHallinCambria,England,in1956.

Somemilitaryshipsandsubmarineshavenuclearpowerplantsforengines.

Howitworks

Nuclearpowerstationsworkinprettymuchthesamewayasfossilfuel-burningstations,exceptthata“chainreaction”insideanuclearreactormakestheheatinstead.

ThereactorusesUraniumrodsasfuel,andtheheatisgeneratedbynuclearfission.Neutronssmashintothenucleusoftheuraniumatoms,whichsplitroughlyinhalfandreleaseenergyintheform.ofheat.

Carbondioxidegasispumpedthroughthereactortotaketheheataway,andthehotgasthenheatswatertomakesteam.

Advantages

Nuclearpowercostsaboutthesameascoal,soit'snotexpensivetomake.

Doesnotproducesmokeorcarbondioxide,soitdoesnotcontributetothegreenhouseeffect.

Produceshugeamountsofenergyfromsmallamountsoffuel.

Producessmallamountsofwaste.

Disadvantages

Althoughnotmuchwasteisproduced,itisvery,verydangerous.

Itmustbesealedupandburiedformanyyearstoallowtheradioactivitytodieaway.

Nuclearpowerisreliable,butalotofmoneyhastobespentonsafety.

Isitrenewable?

Nuclearenergyfrom

31.

Whichofthefollowingistheauthor'sopinionaboutthewomanattheGlobalSupportCentre?

A.Shesoundedhelpfulandknowledgeable.

B.Shewastheretomakecallersfrustrated.

C.Shewasabletosolvehercomputerproblem.

D.Shewasquicktopassheralongtoatechnician.

32.

Thearrivaloftheindustrialageinourhistoricalevolutionmeantthat______．

A.universalemploymentvirtuallyguaranteedprosperity

B.economicfreedomcamewithineveryone'scontrol

C.patternsofworkwerefundamentallychanged

D.people'sattitudestoworkhadtobereversed

33.

Accordingtothefirstparagraphofthepassage,theauthorconsiderswhichofthefollowingtobemosthelpfulindeterminingthevalueofspecialprotectivelaborlegislationforwomen?

A.Acomparativestudyofpatternsofwork-relatedillnessesinstatesthathadsuchlawsandinstatesthatdidnot.

B.Anestimateofhowmanywomenworkersareinfavorofsuchlaws.

C.Ananalysisofthecosttoemployersofcomplyingwithsuchlaws.

D.Anexaminationoftheactualeffectsthatsuchlawshavehadinthepastonwomenworkers.

34.PartC

Directions:Answerquestions71-80byreferringtothefollowinggames.

Note:AnswereachquestionbychoosingA,BorCandmarkitonANSWERSHEET1.Somechoicesmayberequiredmorethanonce.

A=WashingtonD.C.B=NewYorkCityC=ChicagoD=LosAngelesWhichcity...

istheheadquarteroftheSupremeCourt?71.______

wasdiscoveredasearlyas1524?72.______

hasservedasthecapitalofthecountry?73.______

isnowthelargestindustrialcityinthecountry?74.______

leadsthecountryinthemanufactureofaircraftandspareparts?75.______

isthelargestcity?76.______

isthesecondlargestcityinpopulationinU.S.A.?77.______

hasbecomeoneoftheworld'sbusiestports?78.______

coversanareaofover69squaremiles?79.______

isnowconsideredthecenterofindustry,transportation,commerceandfinanceinthemid-westarea?80.______

A

WashingtonD.C.

Washington,thecapitaloftheUnitedStates,isinWashingtonD.C.andissituatedonthePotomacRiverbetweenthetwostatesofMarylandandVirginia.Thepopulationofthecityisabout800,000anditcoversanareaofover69squaremiles(including8squaremilesofwatersurface).ThesectionwasnamedtheDistrictofColumbiaafterChristopherColumbus,whodiscoveredthecontinent.ThecityitselfwasnamedWashingtonafterGeorgeWashington,thefirstpresidentofU.S.A.

Thebuildingofthecitywasaccomplishedin1800andsincethatyear,ithasservedasthecapitalofthecountry.ThomasJeffersonwasthefirstpresidentinauguratedthere.IntheWarof1812,theBritainarmyseizedthecity,burningtheWhiteHouseandmanyotherbuildings.

WashingtonistheheadquartersofallthebranchesoftheAmericanfederalsystem:Congress,theSupremeCourtandthePresidency.

Apartfromthegovernmentbuildings,therearealsosomeotherplacesofinterestsuchastheWashingtonMonument,theLincolnMemorial,theJeffersonMemorial,theLiteraryoftheCongressandMt.Vernon,homeofGeorgeWashington.

B

NewYorkCity

NewYorkCity,locatedinNewYorkState,isthelargestcityandthechiefportoftheUnitedStates.

ThecityofNewYorkhasapopulationofover7million(1970)andMetropolitan,12million.

Thecitywithitsgoodharborwasdiscoveredasearlyas1524,anditwasestablishedbyDutchwhonamedthecityNewAmsterdam.In1664,thecitywastakenbytheEnglishanditgotthenameNewYorkasitbearsnow.DuringtheAmericanRevolutionin1776,GeorgeWashingtonhadhishead-quartersforatimeinNewYorkCity.TheDeclarationofIndependencewasfirstreadthereinJuly4th,1776.Thecityremainedthenation'scapitaluntil1790.

NewYorkbecameanimportantportearlyinthelastcentury.AlargeportionofthenationalexportspassedthroughNewYorkHarbor.NewYorkhasbecomeoneoftheworld'sbusiestportsandalsothefinancial,manufacturing,andtravelcenterofthecountry.Someoftheplacesofinterestinthecityare:theStateofLiberty(152metershigh)whichwasgivenbytheFrenchpeopletotheAmericanpeopleasagiftin1877.ItwaserectedonLibertyIslandinthemiddleofNewYorkHarbor.Broadway,WallStreetandFifthAv

35.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

36.(73)

37.

______mayaffectthedownstreamwaterqualityandhaveanimpactonplantlife?

38.(67)

39.

TheNationalAssociationtoAdvanceFatAcceptanceholdsthat______.

A.fatpeopleshouldtrytoloseweight

B.eatinglessisharmfultopeople'shealth

C.fatpeoplewerebornthatway

D.obesityisgoodforpeople

40.

Theauthorgaveanexampleinthethirdparagraphinorderto______．

A.emphasizetheneedtoplaceastrongervalueonnationalcooperation

B.explainwhytheAmericanideahasbeenbasedonindividualfreedom

C.illustratethefactthatAmericanswillnotsacrificetheirpersonalinterestforthegoodoftheentirecountry

D.supporttheideathatAmericansneedsthespiritofnationalcooperationtoachieveimportantnationalobjectivesinthe21stcentury

四、阅读理解(5题)41.

第

24

题

isnowthelargestindustrialcityinthecountry?__________

42.

第

50

题

5.__________

43.

第

43

题

TheresearchattheUniversityofWisconsinismentionedtoshow__________．

44.

第

47

题

enablesplayerstoconstructbuildingsindifferentstyles?__________

45.

根据下列选项回答46～50题：

第

46

题

1.__________

参考答案

1.A

2.A

3.B

4.Humanactivity

5.B

6.B

7.B

8.A

9.C

10.C

11.Inhisoffice

12.Completelyseparate/exclusive

13.B

14.A

15.A

16.proportionproportion解析：此处意为很大比例的学生仍然喜欢简单的工作，所以此处应填“proportion”。

17.useuse解析：后面的一句话“Theexpressionis‘both-