Four Insurance Policies You Can' t Do Without
A single gap in insurance coverage could wipe out the money that yon' ve earned for many years through your hard work.That' s why it' s important to give yourself a yearly insurance checkup, whether you buy your policies through an agent or from one of the growing number of insurance companies.
Health.Before selecting a policy from your employer or deciding among Medicare options, review your current health,predictable medical needs, and family status.This review should help you avoid a plan that fails to cover a necessary treatment or paying for services that you know you'll never use.
Disability. Your chances of becoming disabled before you retire are far greater than your chances of dying. So every working person needs some kind of disability coverage. If you are working for an employer who offers less than that, you can buy an individual policy to promote your coverage.
Homeowners or renters. Make sure you have replacement-cost coverage that would pay the current costs of rebuilding your home and replacing your personal possessions. A policy that would only pay for the decrease in value of these items isn' t good enough, because you could end up recovering just a small part of their costs. Don' t forget flood and/or earthquake insurance if you live in a locate that has a possible tendency to these types of disasters.
Life. Empty nesters and retirees may. no longer need life insurance at all. But if you have dependents who would suffer financially if you died, it' s still a must.
65. To have your insurance checkup every year is mainly because _______.
A. the gap in insurance coverage could cost you a large sum
B. the gap in insurance coverage could bring you benefits
C. some insurance agencies cover few of your policies
D. too many insurance companies prefer to sell coverage
66. _______ can be ignored while deciding among Medicare choices.
A. Your necessary treatment.                   B. Your personal health at present.
C. Your social status.                           D. Your predictable medical needs.
67. Which of the following is NOT true according to the passage?
A. Workers needn' t buy personal disability coverage if their bosses offer that
B. Insurance companies can secure the full value of private possessions
C. Earthquake insurance can cover replacement-cost caused by the disaster
D. Divorced or retired people may need life insurance for their dependents
68. We can infer that demand for insurance_______.
A. varies due to individual needs of coverage
B. stays the same whether you are working or not
C. increases when we move to a new place
D. decreases if we have a large family to support

Honeybees
Honeybees can do three kinds of jobs.
It is one of the most unusual insects in the world. Bees are special because they divide up their honeybee work. Each bee has a certain job to do.
The busiest bee is the worker. Workers build the nest, called a hive. Inside the hive, workers make a honeycomb from wax(蜂蜡). They store honey there for food. Workers are always cleaning and fixing the hive. They even stand at the opening and fan their wings to cool the hive. Worker bees will attack anything—even people—to keep their hive safe.
Another kind of bee is the drone(雄蜂). Drones are male bees, and their job is to fly with the queen bee and mate with her. After the queen mates, the worker bees drive the drones away. The drones then starve to death.
The third kind of bee is the queen. Each hive needs only one queen, and her job is laying eggs. She can lay as many as 2, 000 eggs a day.
【小题1】The bee’s nest is called a _______.    

A．it attacked the workers	B．it is no longer needed in the hive
C．the queen bee has died	D．it ate the queen bee

第二节：完形填空（共20小题；每小题l分，满分20分）
阅读下面短文，掌握其大意，然后从36－55各题所给的四个选项(A、B、C和D）中，选出最佳选项，并在答题卡上将该项涂黑。
The House Fairy
As young parents, my husband and I felt that at age 6 and 8, our children were old enough to be cleaning their rooms and making their beds. But they thought   36  . My complaints, repeating myself, even self-justified shouting were landing on   37   ears. I felt frustrated (沮丧的) , and very often a whole afternoon’s scolding would end with their   38   into tears, I realized I needed to   39   my methods of “mothering”.
One day while they were at school, I had great fun   40   their rooms. On their desks, in plain   41  , I left the cards: “Dear Bill (the other card was   42   to Sarah), your room was messy this morning and I’m sure you like it clean. Love, the House Fairy.”   43   arriving back, the children were   44  excited to receive the little note from the House Fairy. The next day, their rooms were fairly tidy. Sure enough, there was another note from the House Fairy         45   for them, thanking them for their nice “gift” of a clean room and   46   asking them to play a certain violin   47 . Each day, thank--you notes would be worded differently to keep the ideas   48  .
Sometimes the House Fairy would propose a little   49  : “If you can finish your homework today and   50   it before dinner, I’ d like to watch a particular television program with you tonight.” Sometimes some colored markers or other little items would be left in   51
of jobs especially well done the day   52  .
53   I can’t remember how long “the House Fairy” continued leaving her love notes. When they were no longer age appropriate (合适的), we used various versions of Post-Its. The bathroom mirror became the   54   centre of our home. Appointments, notices about visiting relatives, lesson schedules, and changes in plans could be posted.
We all benefited from and   55   the idea of sharing reminders and daily details of life through notes. I believe the true legacy of the House Fairy notes survives in our frequent and enjoyable communication.
36.  A. different      B. no             C. otherwise        D. doubtful
37.  A. side          B. deaf           C. neither           D. either
38.  A. crying        B. breaking        C. bursting          D. bumping
39.  A. adjust        B. adopt         C. access            D. addict
40.  A. to tidy        B. tidying         C. tidied            D. tidy
41.  A. distance        B. words         C. speech           D. sight
42.  A. sent          B. read           C. delivered         D. addressed
43.  A. As           B. At             C. Of             D. Upon
44.  A. more than     B. rather than       C. no more than     D. other than
45.  A. asking        B. waiting         C. praying         D. expecting
46.  A. politely       B. friendly         C. gently          D. toughly
47.  A. music        B. song             C. piece           D. tone
48.  A. respectable    B. uninteresting     C. incredible        D. fresh
49.  A. challenge     B. question         C. suggestion       D. advice
50.  A. go with       B. go through       C. look up         D. look into
51.  A. response      B. answer          C. praise          D. honor
52.  A. ahead         B. before          C. over           D. ago
53.  A. Actually       B. Even so         C. Even if         D. Though
54.  A. reminder      B. main            C. memory        D. life
55.  A. learned          B. appreciated      C. shared          D. thanked

If you know exactly what you want, the best way to get a job is to get specialized training. A recent report shows that companies like graduates in such fields as business and health care who can go to work immediately with very little on-the-job training.
That’s especially true of booming fields that are challenging for workers. At Cornell's School of Hotel Administration, for example, bachelor's degree graduates get an average of four or five job offers with salaries ranging from the high to low and plenty of chances for rapid advancement. Large companies especially like a background of formal education coupled with work experience. But in the long run, too much specialization does not pay off. Business, which has been flooded with MBAs, no longer considers the degree an automatic stamp of approval. The MBA may open doors and command a higher salary initially, but the impact of a degree washes out after five years.
As further evidence of the erosion of corporate faith in specialized degrees, Michigan State’s Scheetz cites a pattern in corporate hiring practices. Although companies tend to take on specialists as new hires, they often seek out generalists for middle and upper-level management. This sounds like a formal statement that you approve of the liberal-arts(文科) graduate. Time and again labor-market analysts mention a need for talents that liberal-arts majors are assumed to have: writing and communication skills, organizational skills, open-mindedness and adaptability, and the ability to analyze and solve problems. David Birch, manager of the Boston Red Sox, says that he does not hire anybody with an MBA or an engineering degree. “I hire only liberal-arts people because they have a less-than-canned way of doing things,” says Birch.
For a liberal – arts degree, students focus on some basic courses that include literature history, mathematics, economics, science, human behavior and a computer course or two. With these useful and important courses, you can feel free to specialize, “A liberal-arts degree coupled with an MBA or some other technical training is a very good combination in the marketplace,” says Scheetz.
67. The job market is in great need of people with          .
A. special training in special fields                     B. a bachelor’s degree in education
C. formal schooling and work experience        D. an MBA degree from top universities
68. The underlined sentence in Paragraph 2 means         .
A. an MBA degree does not help in future promotion
B. MBA programs will not be as popular as they are now
C. people will not forget the degree the MBA graduates have got
D. most MBA programs fail to provide students with a foundation
69. David Birch says that he only hires liberal – arts people because          .
A. they will follow others’ ways of solving problems
B. they can do better in bundling changing situations
C. they are well trained in a variety of specialized fields
D. they have attended special programs in management
70. The author supports the idea that          .
A. on – the – job training is less costly in the long run
B. formal schooling is less important than job training
C. specialists are more expensive to hire than generalists
D. generalists will do better than specialists in management

One day not too long ago the employees of a large company in St .Louis, Missouri returned from their lunch break and were greeted with a sign on the front door. The sign said: “Yesterday the person who has been hindering(阻碍) your growth in this company passed away. We invite you to attend the funeral in the room that has been prepared in the gym.”
At first everyone was sorry to hear that one of their colleagues had died, but after a while they started getting curious about who this person might be. The excitement grew as the employees arrived at the gym to pay their last respects. Everyone wondered: “Who is this person that was hindering my progress? Well, at least he’s no longer here! ”One by one the employees got closer to the coffin (棺材) and when they looked inside it they suddenly became speechless. They stood over the coffin, shocked and in silence, as if someone had touched the deepest part of their soul. There was a mirror inside the coffin: everyone who looked inside it could see himself. There was also a sign next to the mirror that said: “There is only one person who is capable to set limits to your growth: it is you.”
You are the only person who can revolutionize your life. You are the only person who can influence your happiness, your realization and your success. You are the only person who can help yourself. Your life does not change when your boss changes, when your friends change, when your parents change, when your partner changes, when your company changes. Your life changes when you change, when you go beyond your limiting beliefs, when you realize that you are the only one responsible for your life.
【小题1】The underlined word “funeral” in the first paragraph means ________.