There be any difficulty about passing the road test since you have practiced a lot in the driving school. A. mustn’t B. shan’t C. shouldn’t D. needn’t 题目和参考答案——青夏教育精英家教网—

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There _____ be any difficulty about passing the road test since you have practiced a lot in the driving school.

A. mustn’t B. shan’t C. shouldn’t D. needn’t

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_____there be a flood this summer, what would we do?

A. Should B. Would C. If D. Will

In insurance theory, moral hazard is the name given to the increased risk of immoral behavior, and thus a negative outcome (“hazard”), because the person who caused the problem doesn’t suffer the full (or any) consequences, or may actually benefit．Such a concern typically arises in the context of a contract (for example, an insurance policy)．
The most well known examples of moral hazard come from insurance．For example:
Fire insurance increases the motivation to commit arson (纵火), especially if someone is operating a failing business and decides that they’d rather have the cash from the insurance proceeds on the buildings than the buildings themselves．(The value of a business often is based on profitability; after arson, the owner can claim the business was profitable．) In a worst case, the building is over-insured or valuable contents are removed but claims are filed that they were destroyed in the fire．
In finance, low level of effort by the agent (employee) is called the “moral hazard problem” according to agency theory．The more autonomy (自主) the agent enjoys and the greater the information the agent possesses, and the greater the specialized knowledge required to perform the task, the greater the chances for the occurrence of moral hazard．
The problem of moral hazards for insurance can’t be eliminated, but can be minimized．For example:
Getting detailed information to evaluate the value of what is being insured, rather than simply taking the word of the person buying the insurance．
Requiring that there be a deductible(扣除额) (an initial up-front sum which the insured must pay out of his or her own pocket in case of a loss), and/or only paying out a percentage of the loss (say, 80 or 90 percent) via a coinsurance clause．
72．What might be the headache for the insurance company after a fire?
A．Not knowing who set the fire．
B．The owner might over-claim the loss．
C．Where to get the insurance fee paid．
D．How to punish those who cheated the company．
73．What might be the best way not to suffer over-loss in paying back insurance according to the above passage?
A．Investigate carefully after a fire．
B．Try to get as much detail information about the insurance．
C．Try to catch hold of the person who committed arson．
D．Request the buyer of insurance to pay more．
74．The two examples in the above passage are applied to ______．
A．help people to have reasonable insurance
B．present the difficulties the insurance companies have
C．bring up a problem and a solution in insurance business
D．invite people to buy more profitable insurance
75．The above passage is mainly about ______．
A．a new theory in insurance B．a moral challenge in business
C．a common business phenomenon D．moral hazard in insurance

Believe it or not, the ability to choose is the power to change. If you can choose to live your life differently, will you be the same person?
Well, choosing to do the following few “simple” things will help to change your life.
Review your life. Take time to go through your life and ask yourself, “If I do the same thing I do every day, will there be a change? If I want to change, where will my first step be?”
Make careful choices. Choose exactly what you wish to get to live your life; describe and think what you really want.
Keep up with chances. Find out about the possibilities and ways that can make you move toward your goals, write them down and see which one suits you most.
Get down to business. Start working on your goals. People may bring you down; you may have difficulties; you will fail and want to give up. But the most important thing is never to give up.
If you try these “simple” things, you will find that success is something for everyone, and you will finally become what you want to be. Remember, success is more than what you hold in your hands; it is something from the heart.
【小题1】How many pieces of advice does the writer give on changing one’s life?

【小题2】Once you get down to business, the most important thing is to _____.

A．set goals	B．see possibilities
C．keep on trying	D．ask for help

【小题3】The underlined word “it” in the last paragraph refers to ____.

【小题4】This passage mainly discussed the relationship between ______.

A．power and life	B．choice and change
C．power and success	D．choice and difficulty

Believe it or not,the ability to choose is the power to change.If you can choose to live your life differently,will you be the same person?
Well,choosing to do the following few “simple”things will help to change your life.
Review your life.Take time to go through your life and ask yourself, “If I do the same thing I do every day,will there be a change?If I want to change,where will my first step be?”
Make careful choices.Choose exactly what you wish to get to live your life;describe and think what you really want
Keep up with chances.Find out about the possibilities and ways that can make you move toward your goals,write them down and see which one suits you most.
Get down to business.Start working on your goals.People may bring you down;you may have difficulties;you will fail and want to give up.But the most important thing is never to give up.
If you try these “simple”things,you will find that success is something for everyone,and you will finally become what you want to be.Remember,success is more than what you hold in your hands;It is something from the heart.
【小题1】How many pieces of advice does the writer give on changing one’s life?

【小题2】Once you get down to business,the most important thing is to .

【小题3】The underlined word “it”in the last paragraph refers to .

A．choice

B．change