The fire.believed to due to illegal construction on the building’s roof, was brought under control after an hour． A．have occurred B．occur C．have been occurring D．be occurring 题目和参考答案——青夏教育精英家教网—

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

Neighbors rescued a woman from her burning home early Monday morning，and three firefighters were hurt putting out the flames in Green Bay.
The fire was discovered around 4 o'clock at a three-story home in the South Quincy Street on the city's east side. Investigators(调查者) say 68-year-old Mary Taylor lives there with her two dogs.
“I got out of bed and went to the front window and could hear somebody was yelling(叫喊)，‘Fire!’” Curt Dworak said.When he realized what was happening, he threw on some clothes and ran to help. “I was just hoping Mary wasn't in there，but her car was in the driveway，so I just reacted,” he said, “I just broke the glass and then went in through the window.”
Dworak yelled for Mary but got no response. As he searched，the fire grew and debris(碎片) started falling around him. I didn't know what to do. I yelled for her a couple more times，and then I heard her. Disoriented(分不清方向的)and unable to move, Mary was sprawling(趴) on the floor in the back of her house，so Dworak picked her up and carried her to safety.
Dworak, who has been hailed as a hero by Green Bay Fire Department but shrugged of the praise，said，“They would have done the same thing. Mary is a nice lady，and how could you live with yourself if you didn't do something like that?”
Mary was up and talking before she was taken to the hospital to be checked out. Dworak escaped without a thin cut.
【小题1】
As soon as Dworak realized there was a big fire，he .

A．went to his front window and stood watching

B．put on his clothes quickly and rushed there

C．searched for Mary's crying in her room

D．put away his clothes and jumped off his house

【小题2】
The sentence “ but her car was in the driveway” in Paragraph 3 implies(暗指) that
.

A．Mary was just in the house.	B．Mary's car was in Dworak's way.
C．Mary's car was broken.	D．Mary's car was in good condition.

【小题3】
The underlined Word “ hailed” in Paragraph 5 can be replaced by “ ”.

【小题4】
What can we learn from the passage?

A．It was Dworak who found the fire first.

B．Dworak was badly injured by the fire.

C．Mary lost consciousness in the flames.

D．

Mary is friendly to her neighborhood.

MEGADIM, Israel (AP)-The worst forest fire in Israel's history on Thursday destroyed one of the country's few forested areas, killing at least 36 guards on their way to rescue prisoners there, destroying homes and forcing the evacuation (疏散) of thousands. The fire ran through the Carmel forest in Israel's Galilee, reaching the coastal city of Haifa, jumping from place to place in the forest. The fire broke out around midday and quickly spread and was still burning out of control as midnight approached. Investigators (调查者) supposed that the fire could have been set accidentally, or it might have been a criminal act, but pretty much ruled out (排除) some sort of attack by a Palestinian group. “This is a huge disaster，” Prime Minister Benjamin Netanyahu said. “The government is using all means to control the fire.” He said some countries such as Cyprus, Italy, Russia and Greece agreed to provide backup. Most of the dead were Prison Service guards racing through the fire toward a prison to evacuate the prisoners, most of them Palestinians. A tree fell across the road, blocking their bus. Some guards were burned alive inside, while others died as they tried to escape. Fourteen bodies were found near the burnt bus 10 hours after the fire started. The fire heavily damaged one of Israel's few large forests, made up of natural growth and planted areas, a favorite place for camping and a home for dozens of species of wildlife. Forestry workers tried to evacuate animals from the fire. The forest recovered slowly from a fire in 1989, but experts said Thursday's big fire was many times worse.
【小题1】Some Prison Service guards died when they tried to ________.

A．control the running prisoners	B．put out the fierce forest fire
C．get away from the burning bus	D．save the guards trapped in the fire ．

【小题2】According to the investigators, which of the following might be the cause of the fire?

A．Prisoners set the fire purposely.	B．The fire broke out all by itself.
C．A Palestinian group did it.	D．The fire was started by accident.

【小题3】We learn from the text that ________.

A．all of the dead were Prison Service guards

B．the forest once suffered a fire in the 1980s

C．the animals didn't suffer from the fire

D．the fire caused 50 deaths altogether ．

【小题4】The text is mainly about ________.

A．the worst forest fire in Israel's history

B．the actual cause of the worst ever forest fire

C．the damage caused by the forest fire

D．the government's efforts in controlling the fire

MEGADIM, Israel (AP)-The worst forest fire in Israel's history on Thursday destroyed one of the country's few forested areas, killing at least 36 guards on their way to rescue prisoners there, destroying homes and forcing the evacuation (疏散) of thousands. The fire ran through the Carmel forest in Israel's Galilee, reaching the coastal city of Haifa, jumping from place to place in the forest. The fire broke out around midday and quickly spread and was still burning out of control as midnight approached. Investigators (调查者) supposed that the fire could have been set accidentally, or it might have been a criminal act, but pretty much ruled out (排除) some sort of attack by a Palestinian group. “This is a huge disaster，” Prime Minister Benjamin Netanyahu said. “The government is using all means to control the fire.” He said some countries such as Cyprus, Italy, Russia and Greece agreed to provide backup. Most of the dead were Prison Service guards racing through the fire toward a prison to evacuate the prisoners, most of them Palestinians. A tree fell across the road, blocking their bus. Some guards were burned alive inside, while others died as they tried to escape. Fourteen bodies were found near the burnt bus 10 hours after the fire started. The fire heavily damaged one of Israel's few large forests, made up of natural growth and planted areas, a favorite place for camping and a home for dozens of species of wildlife. Forestry workers tried to evacuate animals from the fire. The forest recovered slowly from a fire in 1989, but experts said Thursday's big fire was many times worse.

1.Some Prison Service guards died when they tried to ________.

A．control the running prisoners	B．put out the fierce forest fire
C．get away from the burning bus	D．save the guards trapped in the fire ．

2.According to the investigators, which of the following might be the cause of the fire?

A．Prisoners set the fire purposely.	B．The fire broke out all by itself.
C．A Palestinian group did it.	D．The fire was started by accident.

3.We learn from the text that ________.

A．all of the dead were Prison Service guards

B．the forest once suffered a fire in the 1980s

C．the animals didn't suffer from the fire

D．the fire caused 50 deaths altogether ．

4.The text is mainly about ________.

A．the worst forest fire in Israel's history

B．the actual cause of the worst ever forest fire

C．the damage caused by the forest fire

D．the government's efforts in controlling the fire

Neighbors rescued a woman from her burning home early Monday morning，and three firefighters were hurt putting out the flames in Green Bay.

The fire was discovered around 4 o'clock at a three-story home in the South Quincy Street on the city's east side. Investigators(调查者) say 68-year-old Mary Taylor lives there with her two dogs.

“I got out of bed and went to the front window and could hear somebody was yelling(叫喊)，‘Fire!’” Curt Dworak said.When he realized what was happening, he threw on some clothes and ran to help. “I was just hoping Mary wasn't in there，but her car was in the driveway，so I just reacted,” he said, “I just broke the glass and then went in through the window.”

Dworak yelled for Mary but got no response. As he searched，the fire grew and debris(碎片) started falling around him. I didn't know what to do. I yelled for her a couple more times，and then I heard her. Disoriented(分不清方向的)and unable to move, Mary was sprawling(趴) on the floor in the back of her house，so Dworak picked her up and carried her to safety.

Dworak, who has been hailed as a hero by Green Bay Fire Department but shrugged of the praise，said，“They would have done the same thing. Mary is a nice lady，and how could you live with yourself if you didn't do something like that?”

Mary was up and talking before she was taken to the hospital to be checked out. Dworak escaped without a thin cut.

1.

As soon as Dworak realized there was a big fire，he .

A. went to his front window and stood watching

B. put on his clothes quickly and rushed there

C. searched for Mary's crying in her room

D. put away his clothes and jumped off his house

2.

The sentence “ but her car was in the driveway” in Paragraph 3 implies(暗指) that

.

A. Mary was just in the house. B. Mary's car was in Dworak's way.

C. Mary's car was broken. D. Mary's car was in good condition.

3.

The underlined Word “ hailed” in Paragraph 5 can be replaced by “ ”.

A. named B. checked C. praised D. trained

4.

What can we learn from the passage?

A. It was Dworak who found the fire first.

B. Dworak was badly injured by the fire.

C. Mary lost consciousness in the flames.

D. Mary is friendly to her neighborhood.

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