Complete the following passage by using the words in the box．Each word can only be used once．Note that there is one word more than you need．

A．estimate                     B．penalize               C．driving                D．account

E．covering                     F．pocket                 G．perfectly             H．essential

I．belongings                   J．reviewed

There are two principal household insurance policies---building insurance and contents．Neither is strictly compulsory but both are more or less ___1___．

    Building insurance protects the bricks and mortar of your home and any fitted fixtures within, such as bathroom fittings and built-in cupboards．If the property is damaged by flood, fire or various other perils, the policy pays for repairs．

When you arrange building insurance you need to decide on a “sum assured”．This is the amount the insurance company would pay out if your home were destroyed．It should be the best ___2___ of the rebuilding costs and not the market value of the property．You can find out the correct sum assured from the survey when you bought your house．But make sure it is ___3____ regularly to take into ___4____ rising prices．

   Most mortgage lenders make buildings insurance a condition for the loan．They will also try to sell you their own policy--- and ____5____ you if you buy cover elsewhere．

    Lenders are ___6____ within their rights to charge an “administration fee”（usually ￡25） if borrowers make their own arrangements．

    Building insurance is a competitive market and the competition is ___7____ prices down．There are hundreds of product providers to choose from．Banks, building societies, insurance companies that sell direct are all keen to ___8____ your premiums（保险费）．

With home contents insurance, you also need to decide on a sum assured．You should make a list of all your belongings and the cost of their replacements．

But remember that if you underestimate to keep the premium down, you may find that you have much great difficulty___9____ your loss．

We each have a unique genetic (基因的，遗传的) make-up. Every cell of your body has the same set of about 100,000 separate genes made of DNA. These are the instructions for producing a person. Genes decide everything from the colour of your skin to the way your brain works. You have one of several billion combinations of DNA which come from the random mixing of your parents’ genes. Except for identical twins (同卵双胞胎), no one has the same combination as another person. You are unique! You are unique in another way too: in the way you are raised and all the experiences you have from before birth to adult life. These experiences influence you, your behaviour and attitudes, and the choices you make.
But are genes or life experiences more important in shaping your appearance and personality? Scientists are studying twins to find out. One set of twins occurs every 70 births---some are identical and others are non-identical twins. Identical twins are special because they share exactly the same genes and often the same environment. Non-identical twins are more like ordinary brothers and sisters.
Some identical twins have been adopted and brought up in different homes. With identical genes but a different home environment, scientists can study twins to see how much a particular feature depends on the genes we inherit. For example, we know that eye problems, like short-sightedness, are mostly genetic. But resistance to pain is largely dependent on experiences. Genes also influence our eating habits. Identical twins brought up apart often like to eat at the same time of day and feel full after eating the same amount. Non-identical twins in similar circumstances have more varied eating habits. Identical twins are also more likely to follow the same patterns for marriage and divorce than non-identical twins.
Scientists are trying to identify the different genes that influence our behaviour. Some people are thrill-seekers and get into risk-taking and adventurous activities. They take up extreme sports like bungee jumping and possibly take drugs. Scientists have discovered a gene which affects this.
We could ask, “Are our lives determined by our genes or our upbringing?” Scientists are learning more all the time, but it is certainly true that both are important in making us who we are.
【小题1】What is the main idea of the first paragraph?

How to apply (申请) for a free mailbox (邮箱)? First you have to connect to the Internet and go to the homepage of the ICP providing free mailboxes. Then you will find an icon (图标), an agreement about the rules for using the free mailbox will appear. If you want to go, click the icon “I agree”. Then you have to fill in a form about your basic personal data, and the name and PIN (密码) of the mailbox. The PIN is the key to the mailbox. After finishing these, you will get a mailbox like this：your name @ mail server (for example：tvguide@mail.cctv.com.cn. “tvguide” is the name of the mailbox, and “mail.cctv.com.cn” is the name of the mail server.). The mailbox is separated (分隔) into two parts by a separator “@”, which is read as “at”. The former part is the name of the mailbox. The latter is the domain name (域名) of the mail server. All mails to you will be received by the server and put into your mailbox. You can read these mails on any computer on the Internet in the world, if you have the name and PIN of the mailbox.

1.If you want to send or receive an e-mail, you should first ____ .

      A. apply for a mailbox                         B. buy a computer

      C. go to the post office                       D. fill in a form

2. When you get a FREE mailbox, you can send an e-mail ____ .

      A. by paying some money                  B. to anyone

      C. without paying money                 D. anywhere

3.The mailbox’s name in the e-mail address “editor@ew.com.cn.” is ____ .

      A. ew                      B. ew.com.cn       C. com.cn              D. editor

4.The writer mainly wants to tell us how to ____ in this passage.

      A. send a letter by e-mail                  B. read the e-mail on computers in the world

      C. get a free mailbox                          D. find out one’s e-mail address

5.We can find the similar information in the book “____”.

      A. Who Moved My Cheese                B. Surfing on the Internet

      C. Bill Gates’ Story                               D. Harry Potter

We each have a unique genetic (基因的，遗传的) make-up. Every cell of your body has the same set of about 100,000 separate genes made of DNA. These are the instructions for producing a person. Genes decide everything from the colour of your skin to the way your brain works. You have one of several billion combinations of DNA which come from the random mixing of your parents’ genes. Except for identical twins (同卵双胞胎), no one has the same combination as another person. You are unique! You are unique in another way too: in the way you are raised and all the experiences you have from before birth to adult life. These experiences influence you, your behaviour and attitudes, and the choices you make.

But are genes or life experiences more important in shaping your appearance and personality? Scientists are studying twins to find out. One set of twins occurs every 70 births---some are identical and others are non-identical twins. Identical twins are special because they share exactly the same genes and often the same environment. Non-identical twins are more like ordinary brothers and sisters.

Some identical twins have been adopted and brought up in different homes. With identical genes but a different home environment, scientists can study twins to see how much a particular feature depends on the genes we inherit. For example, we know that eye problems, like short-sightedness, are mostly genetic. But resistance to pain is largely dependent on experiences. Genes also influence our eating habits. Identical twins brought up apart often like to eat at the same time of day and feel full after eating the same amount. Non-identical twins in similar circumstances have more varied eating habits. Identical twins are also more likely to follow the same patterns for marriage and divorce than non-identical twins.

Scientists are trying to identify the different genes that influence our behaviour. Some people are thrill-seekers and get into risk-taking and adventurous activities. They take up extreme sports like bungee jumping and possibly take drugs. Scientists have discovered a gene which affects this.

We could ask, “Are our lives determined by our genes or our upbringing?” Scientists are learning more all the time, but it is certainly true that both are important in making us who we are.

1.What is the main idea of the first paragraph?

   A. We cannot easily change our physical appearance.

   B. How we turn out depends on our parents’ genes.

   C. Everyone has a physical double somewhere in the world.

   D. Both our genes and our experiences make us who we are.

2.Why are scientists studying twins?

   A. To find out how many twins are born every year.

   B. To discover what shapes us as individuals.

   C. To compare differences between twins.

   D. To study brother-and-sister relationships.

3.According to the passage, __________.

   A. one in 70 twins are genetically identical

   B. non-identical twins are usually not of the same sex

   C. twins separated at birth behave exactly the same

   D. identical twins are genetically the same

4.Which of the following is most affected by experience according the passage?

   A. Eating habits.   B. Eye-sight.   C. Pain resistance.   D. Marriage patterns.

5.What does the underlined “this” in Paragraph 4 refer to?

   A. Our love of sport.             B. Our attitude to risk-taking.

   C. Our skill at bungee jumping.    D. Our ability to take drugs.

How to apply (申请) for a free mailbox (邮箱)? First you have to connect to the Internet and go to the homepage of the ICP providing free mailboxes. Then you will find an icon (图标), an agreement about the rules for using the free mailbox will appear. If you want to go, click the icon “I agree”. Then you have to fill in a form about your basic personal data, and the name and PIN (密码) of the mailbox. The PIN is the key to the mailbox. After finishing these, you will get a mailbox like this：your name @ mail server (for example：tvguide@mail.cctv.com.cn. “tvguide” is the name of the mailbox, and “mail.cctv.com.cn” is the name of the mail server.). The mailbox is separated (分隔) into two parts by a separator “@”, which is read as “at”. The former part is the name of the mailbox. The latter is the domain name (域名) of the mail server. All mails to you will be received by the server and put into your mailbox. You can read these mails on any computer on the Internet in the world, if you have the name and PIN of the mailbox.

If you want to send or receive an e-mail, you should first ____ .

       A. apply for a mailbox   B. buy a computer

       C. go to the post office  D. fill in a form

When you get a FREE mailbox, you can send an e-mail ____ .

       A. by paying some money     B. to anyone

       C. without paying money     D. anywhere

The mailbox’s name in the e-mail address “editor@ew.com.cn.” is ____ .

       A. ew      B. ew.com.cn  C. com.cn       D. editor

The writer mainly wants to tell us how to ____ in this passage.

       A. send a letter by e-mail      B. read the e-mail on computers in the world

       C. get a free mailbox     D. find out one’s e-mail address

We can find the similar information in the book “____”.

       A. Who Moved My Cheese    B. Surfing on the Internet

       C. Bill Gates’ Story D. Harry Potter