Ms Huang, a shareholder of the Daqing Limited Liability Company (Daqing), found that the general manager, Mr Ding, had accepted bribes from several suppliers, which materially caused losses to Daqing, and adversely affected the interests of all shareholde
题目
Ms Huang, a shareholder of the Daqing Limited Liability Company (Daqing), found that the general manager, Mr Ding, had accepted bribes from several suppliers, which materially caused losses to Daqing, and adversely affected the interests of all shareholders.
Further examination, through a Certified Public Accountant firm, disclosed that there were a lot of affiliated transactions between Daqing and Everbright Co, which was the majority shareholder of Daqing. Mr Ding was recommended by Everbright Co and appointed by Daqing’s board of directors, which was substantially influenced by Everbright Co. With a series of such transactions Daqing transferred huge profits to Everbright Co and adversely affected Daqing.
Required:
(a) State whether Ms Huang was entitled to take legal action against Mr Ding for his illegal behaviour of accepting bribes which adversely affected all the shareholders. (2 marks)
(b) State TWO different legal actions Ms Huang was entitled to take to protect the rights of Daqing and its shareholders due to the affiliated transactions with Everbright Co. (4 marks)
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更多“Ms Huang, a shareholder of the Daqing Limited Liability Company (Daqing), found that the general manager, Mr Ding, had accepted bribes from several suppliers, which materially caused losses to Daqing, and adversely affected the interests of all shareholde”相关问题
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第1题：
TQ Company, a listed company, recently went into administration (it had become insolvent and was being managed by a firm of insolvency practitioners). A group of shareholders expressed the belief that it was the chairman, Miss Heike Hoiku, who was primarily to blame. Although the company’s management had made a number of strategic errors that brought about the company failure, the shareholders blamed the chairman for failing to hold senior management to account. In particular, they were angry that Miss Hoiku had not challenged chief executive Rupert Smith who was regarded by some as arrogant and domineering. Some said that Miss Hoiku was scared of Mr Smith.
Some shareholders wrote a letter to Miss Hoiku last year demanding that she hold Mr Smith to account for a number of previous strategic errors. They also asked her to explain why she had not warned of the strategic problems in her chairman’s statement in the annual report earlier in the year. In particular, they asked if she could remove Mr Smith from office for incompetence. Miss Hoiku replied saying that whilst she understood their concerns, it was difficult to remove a serving chief executive from office.
Some of the shareholders believed that Mr Smith may have performed better in his role had his reward package been better designed in the first place. There was previously a remuneration committee at TQ but when two of its four non-executive members left the company, they were not replaced and so the committee effectively collapsed.
Mr Smith was then able to propose his own remuneration package and Miss Hoiku did not feel able to refuse him.
He massively increased the proportion of the package that was basic salary and also awarded himself a new and much more expensive company car. Some shareholders regarded the car as ‘excessively’ expensive. In addition, suspecting that the company’s performance might deteriorate this year, he exercised all of his share options last year and immediately sold all of his shares in TQ Company.
It was noted that Mr Smith spent long periods of time travelling away on company business whilst less experienced directors struggled with implementing strategy at the company headquarters. This meant that operational procedures were often uncoordinated and this was one of the causes of the eventual strategic failure.
(a) Miss Hoiku stated that it was difficult to remove a serving chief executive from office.
Required:
(i) Explain the ways in which a company director can leave the service of a board. (4 marks)
(ii) Discuss Miss Hoiku’s statement that it is difficult to remove a serving chief executive from a board.
(4 marks)
(b) Assess, in the context of the case, the importance of the chairman’s statement to shareholders in TQ
Company’s annual report. (5 marks)
(c) Criticise the structure of the reward package that Mr Smith awarded himself. (4 marks)
(d) Criticise Miss Hoiku’s performance as chairman of TQ Company. (8 marks)
正确答案：(a) (i) Leaving the service of a board
Resignation with or without notice. Any director is free to withdraw his or her labour at any time but there is normally
a notice period required to facilitate an orderly transition from the outgoing chief executive to the incoming one.
Not offering himself/herself for re-election. Terms of office, which are typically three years, are renewable if the director
offers him or herself for re-election and the shareholders support the renewal. Retirement usually takes place at the end
of a three-year term when the director decides not to seek re-election.
Death in service when, obviously, the director is unable to either provide notice or seek retirement.
Failure of the company. When a company fails, all directors’ contracts are cancelled although this need not signal the
end of the directors’ involvement with company affairs as there may be ongoing legal issues to be resolved.
Being removed e.g. by being dismissed for disciplinary offences. It is relatively easy to ‘prove’ a disciplinary offence but
much more difficult to ‘prove’ incompetence. The nature of disciplinary offences are usually made clear in the terms and
conditions of employment and company policy.
Prolonged absence. Directors unable to perform. their duties owing to protracted absence, for any reason, may be
removed. The length of qualifying absence period varies by jurisdiction.
Being disqualified from being a company director by a court. Directors can be banned from holding directorships by a
court for a number of reasons including personal bankruptcy and other legal issues.
Failing to be re-elected if, having offered him or herself for re-election, shareholders elect not to re-appoint.
An ‘agreed departure’ such as by providing compensation to a director to leave.(ii) Discuss Miss Hoiku’s statement
The way that directors’ contracts and company law are written (in most countries) makes it difficult to remove a director
such as Mr Smith from office during an elected term of office so in that respect, Miss Hoiku is correct. Unless his contract
has highly specific performance targets built in to it, it is difficult to remove Mr Smith for incompetence in the
short-term as it is sometimes difficult to assess the success of strategies until some time has passed. If the alleged
incompetence is within Mr Smith’s term of office (typically three years) then it will usually be necessary to wait until the
director offers himself for re-election. The shareholders can then simply not re-elect the incompetent director (in this
case, Mr Smith). The most likely way to achieve the departure of Mr Smith within his term of office will be to ‘encourage’
him to resign by other directors failing to support him or by shareholders issuing a vote of no confidence at an AGM or
EGM. This would probably involve offering him a suitable financial package to depart at a time chosen by the other
members of the board or company shareholders.
(b) Importance of the chairman’s statement
The chairman’s statement (or president’s letter in some countries) is an important and usually voluntary item, typically carried
at the very beginning of an annual report. In general terms, it is intended to convey important messages to shareholders in
general, strategic terms. As a separate section from other narrative reporting sections of an annual report, it offers the
chairman the opportunity to inform. shareholders about issues that he or she feels it would be beneficial for them to be aware
of. This independent communication is an important part of the separation of the roles of CEO and chairman.
In the case of TQ Company, the role of the chairman is of particular importance because of the dominance of Mr Smith.
Miss Hoiku had a particular responsibility to use her most recent statement to inform. shareholders about going concern issues
notwithstanding the difficulties that might cause in her relationship with Mr Smith. Miss Hoiku has an ethical as well as an
agency responsibility to express her independence in the chairman’s statement and convey issues relevant to company value
to the company’s shareholders. She can use her chairman’s statement for this purpose.(c) Criticise the structure of the reward package that Mr Smith awarded himself
The balance between basic to performance related pay was very poor. Mr Smith, perhaps being aware that the prospect of
gaining much performance related income was low, took the opportunity to increase the fixed element of his income to
compensate. This was not only unprofessional and unethical on Mr Smith’s part, but it also represented very bad value for
shareholders. Having exercised his share options and sold the resulting shares, there was now no element of alignment of
his package with shareholder interests at all. His award to himself of an ‘excessively’ expensive company car was also not
in the shareholders’ interests. The fact that he exercised and sold all of his share options means that he will now have no
personal financial motivation to take strategic decisions intended to increase TQ Company’s share value. This represents a
poor degree of alignment between Mr Smith’s package and the interests of TQ’s shareholders.
(d) Criticise Miss Hoiku’s performance as chairman of TQ Company
The case describes a particularly poor performance by a company chairman. It is a key function of the chairman to represent
the shareholders’ interests in the company and Miss Hoiku has clearly failed in this duty.
A key reason for her poor performance was her reported inability or unwillingness to face up to Mr Smith who was clearly a
domineering personality. A key quality of a company chairman is his or her ability and willingness to personally challenge the
chief executive if necessary.
She failed to ensure that a committee structure was in place, allowing as she did, the remunerations committee to atrophy
when two members left the company.
Linked to this, it appears from the case that the two non-executive directors that left were not replaced and again, it is a part
of the chairman’s responsibility to ensure that an adequate number of non-executives are in place on the board.
She inexplicably allowed Mr Smith to design his own rewards package and presided over him reducing the performance
related element of his package which was clearly misaligned with the shareholders’ interests.
When Mr Smith failed to co-ordinate the other directors because of his unspecified business travel, she failed to hold him to
account thereby allowing the company’s strategy to fail.
There seems to have been some under-reporting of potential strategic problems in the most recent annual report. A ‘future
prospects’ or ‘continuing business’ statement is often a required disclosure in an annual report (in many countries) and there is evidence that this statement may have been missing or misleading in the most recent annual report. -
第2题：
Some members of a partnership may be very active in the management of the firm and therefore take unlimited liability.They are referred to as ___.A.general partners
B.limited partners
C.long partners
D.unlimited partners
正确答案：A
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第3题：
材料：
Following a general average incident，ship agents and surveyors play a significant role．A ship agent，in addition to the normal duties of port and husbandry agency，will assist the master in the aftermath of a general average incident to make a declaration which complies with the local law and custom of the port．
Once the average adjuster has confirmed that security has been obtained from all the interested parties，the agent is instructed by the ship owner to permit delivery of the cargo．If cargo has been discharged to lighten the vessel，or cargo has been transshipped to a final destination，the agent will be responsible for keeping full and complete records of all movements and expenditure attributable to the general average．
After any incident，a large number of surveyors representing various interests will descend on the vessel．Some of these surveyors will not be involved directly in the general average process．However，if it has become necessary to sacrifice or discharge a part of the cargo before arrival at the final destination stated on the bill of lading，the ship owner will appoint surveyors to report on the condition and quantity of cargo．
Such surveyors，usually called general average surveyors，will act in the interests of all the parties involved（and may also represent hull and machinery interests）．If possible，the account representing expenditure incurred should be examined and approved by the general average surveyor before settlement．
问题：
Which of the following is NOT correct as to the general average surveyors ___________．
A.They may sometimes be involved into the examination and approval of general average expenditures
B.They may sometimes be involved into the examination and approval of general average sacrifices
C.They will act in the interests of all the parties involved
D.They will look at particularly the general average matters
What does this passage imply for the shipmasters when a general average incident occurred onboard ___________．A.He can rely on greatly the general average surveyors
B.He can rely on greatly the ship agent
C.He can rely on greatly the interested parties
D.He can rely on greatly other surveyors
The ship agent mentioned in the passage behaves ______．A.for the benefit of the cargo owner
B.for the benefit of the shipowner
C.for the benefit of the salvors
D.for the benefit of the interested parties other than the above
The security required by the owner of ship and provided by relevant interested parties in general average cases is for the purpose of _______．
① contributing to the losses and damages of general average nature；
② securing all the general average contributions；
③ Securing all the payment of Sue and Labour；
④ contributing to the losses and damages of particular average nature．
A.①③④
B.①②③
C.①②
D.②③④
请帮忙给出每个问题的正确答案和分析，谢谢！
问题 1 答案解析：D
问题 2 答案解析：A
问题 3 答案解析：B
问题 4 答案解析：C
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第4题：
材料：
This insurance also covers the insured vessel&39;s proportion of general average，salvage or salvage charges，but in case of general average sacrifice of the vessel，the Insured may recover fully for such loss without obtaining contributions from other parties．
General average shall be adjusted in accordance with the relative contract and governing law and practice．However，where the contract of affreightment or carriage does not so provide，the adjustment shall be made according to the Beijing Adjustment Rules or similar provisions of other rules． Where all the contributing interests are owned by the Insured，or when the insured vessel sails in ballast and there are no other contributing interests the provisions of the Beijing Adjustment Rules（excluding Article 5），or similar provisions of other rules if expressly agreed，shall apply as if the interests were owned by different persons．
The voyage for this purpose shall be deemed to continue from the port or place of departure until the arrival of the vessel at the first port or place of call thereafter other than a port or place of refuge or a port or place of call for bunkering only．If at any such intermediate port or place there is an abandonment of the adventure originally contemplated the voyage shall thereupon be deemed to be terminated.
问题：
In the event of general average sacrifice of the insured vessel，the insured ______．
A.can only recover the insured vessel’s proportion from the Insurer
B.should recover fully for such loss by obtaining contributions from the other parties
C.may recover fully for such loss from the Insurer prior to his obtaining the contributions from other parties
D.shall own all the contributing interests
General average adjustment shall be made according to the Beijing Adjustment Rules or similar provisions of other rules if _____．A.the relative contract does not provide according to which law and practice the adjustment shall be made
B.the contributing interests are owned by different persons
C.the contract of affreightment or carriage requires that some other governing law be followed
D.there is a sacrifice of the insured vessel
If the insured vessel sails in ballast and there are no other contributing interests，______．A.the general average adjustment shall be made according to the relative contract of carriage
B.all the provisions of Beijing Adjustment Rules shall be applied in case of any general average
C.no general average adjustment is needed
D.the general average shall be adjusted as if there were different contributing interests according to the provisions of Beijing Adjustment Rules
The word“contemplated”in the last paragraph of this passage means _____．A.“looked at”
B.“intended”
C.“contended”
D.“meditated”
请帮忙给出每个问题的正确答案和分析，谢谢！
问题 1 答案解析：C
问题 2 答案解析：A
问题 3 答案解析：D
问题 4 答案解析：B
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第5题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is NOT TRUE?A.The first rule of the game in insurance business was devised hundreds of years ago.
B.There are many agents who sell insurance policies and collect premiums on behalf of underwriters.
C.An individual who pays premium for a policy is insured by an insurance company.
D.An individual pays premium directly to an insurance company.答案：D解析：细节题。根据第二段中“an individual pays a small amount of money called a premium(保险费)to an agent who acts on behalf of an insurance company，or underwriter”可知，个人把保险费付给保险代理人而非直接付给保险公司。D项说法不正确。 -
第6题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.A.the premium paid by the person previously
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above答案：D解析：细节题。根据第二段中“The funds will come from the individual’s premium，the premium paid by others who did not have losses，and money from the company’s investment of all the premiums．”可知，A、B、C三项内容都包含在内。故选D。 -
第7题：
Despite the sudden breakdown of the General Manager,work is going on in the company．A.Usual
B.routine
C.Normal
D.regular答案：B解析：【考情点拨】考查固定搭配。
【应试指导】句意：尽管总经理突然离职了，但公司的日常工作仍在进行。routine意为“常规的，日常的”，routine work意为“日常工作”，故选B。 -
第8题：
Which keyword is used with the show ip bgp neighbors [keyword] command to display all routes that are received and accepted from a neighbor?（）
- A、paths
- B、accepted-routes
- C、advertised-routes
- D、routes
正确答案:D -
第9题：
单选题It can be found from the passage that ______.Athe heads are not as originally planned
Bthe workers made mistakes when blasting
Cthe cracks caused serious injuries
Dthe designs had large fissures in them
正确答案： A解析：
文章第二段指出雕刻的过程中，为保证雕刻的头像不出现大的裂痕（fissures），不得不对原来的设计进行多次修改，因此A项“头像与原先设计的不同”符合文章内容。 -
第10题：
问答题Practice 5 ● You company receives a complaint letter from a client for misplacement of the materials needed for their meeting. You are asked to write a reply to the letter. ● apologizing for the inconvenience caused to the client, ● explaining the reason for the misplacement of the materials, ● suggesting ways of dealing with the incident. ● Complaint letter from Mr. Edwin Dear Sirs, Thanks to the inefficiency of your staff, the fall meeting of the Capitol City Peronnel Directors Association was a big disappointment. As you know, the materials were misplaced by some one there and were never found (they arrived here today from your hotel). The entire program was built around these materials; and, as a result, we had to improvise, which proved to be a sorry mess. Your statements for $ 988.65 arrived today, and I am tempted not to pay it. In any event, it would seem that we are entitled to some kind of discount for the inconvenience we were caused by your staff. I expect an explanation from you before I make payment. Yours faithfully, Tom Edwin正确答案： 【参考范文】
Dear Mr. Edwin,
We are terribly sorry that materials for your meeting were misplaced by one of our staff and as a result, not available to you.
May I tell you what happened? When the carton was delivered late at night, a part-time janitor signed for it. Having no idea about how to handle it, he eventually placed it in our Lost and Found room for safekeeping. Unfortunately, later, several pieces of luggage were piled on top of the carton, thus hiding it from view. We tried yet failed to locate the janitor, since he left on vacation the day after the materials arrived and had no way to be reached. Despite the repeated search in the Lost and Found room by several people, no one thought to look under the luggage obscuring the carton from view.
What can I say? If you are thinking that this mishap borders on the incredible, we would have to agree with you. Yet if you have had something similar that happened in you company—something that really defies explanation—then probably you will understand how I feel and can appreciate my deep embarrassment.
After this incident, it may be presumptuous of me to suggest that you give us another chance to show that we are real experts in hospitality business, even though now and then it “doesn’t show”. But, we can assure you that steps are being taken to avoid the reoccurrence of this kind of incident. To express our sincere regret and also compensate for your inconvenience in some way, we are offering you a discount of 5%. We really hope that this incident will not affect our business relationship.
Yours sincerely,
Carter解析： 暂无解析 -
第11题：
单选题After trying several times, the customer who was injured _____ to see the general manager of the supermarket.Amanaged
Bsucceeded
Cwon
Dattempted
正确答案： B解析：
句意：在几次尝试后，那位受伤的顾客成功地见到了超市的总经理。manage to do sth.成功地做成某事。succeed，win都有“成功”之意，但二者后都不跟to。attempt to do sth.尝试着做某事。 -
第12题：
单选题Fighting a rig fire in the ballast pumproom with hoses would adversely affect the stability of the rig most by（）.Aincreasing the permeability of the pumproom
Breduction of drill water from the storage tanks
Ca list caused by water filling the compartment
Da reduced KG caused by water filling the compartment
正确答案： A解析： 暂无解析 -
第13题：
What is Mr. Jones’s position in his company ()A. He is the president of Bestway Co.
B.He is the general manager of Nile Co. C.He is the sales manager of Lee Brothers’.
参考答案：B
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第14题：
The liability of the carrier for the economic losses resulting from delay in delivery of the goods shall be limited to the amount equivalent to ______．
A.actual value of the goods so lost
B.the difference between the values of the goods before and after the damage
C.the expenses for the repair
D.the freight payable for the goods so delayed
正确答案：D
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第15题：
材料：
The fact that the GOODs were damaged raises a prima facie case of negligence which can only be cleared by the carrier by showing what actually occurred. For example，a ship carried grain on MS Great Lakes to a port where it was stored aboard the ship under a special storage contract for 22 days after which it was discovered to be wet．Rough weather during the voyage was alleged but the Court insisted on strict proof of how and when the rough weather caused the wetting．
Therefore，to rebut the presumption of fault when relying upon its own reasonable care，the carrier must further prove that the damage was caused by something other than its own negligence．Once the shipper establishes a prima facie case，under“the policy of the law”the carrier must“explain what took place or suffer the consequences”．The law casts upon the carrier the burden of the loss which it cannot explain or，explaining，bring within the exception case in which he is relieved from liability．
问题：
The best title of this passage is ______．
A.The liabilities on the part of the carrier and shipper
B.Loss of and damage to cargoes
C.The burden of proof on the part of the shipper
D.The burden of proof on the part of the carrier
It is concluded from this passage that MS Great Lakes ______．A.was liable for the wet damage if it could not prove how and when the rough weather caused the wetting
B.was liable for the wet damage even it could prove how and when the rough weather caused the wetting
C.was liable for the wet damage even it could not prove how and when the rough weather caused the wetting
D.was not liable for the wet damage if it could not prove how and when the rough weather caused the wetting
According to this passage，_______．A.If a carrier cannot bring the reason of the loss into the exception case in which he is relieved from liability，he is liable for the loss
B.Even a carrier can bring the reason of the loss into the exception case in which he is relieved from liability，he is still held liable for the loss by the court
C.Should a carrier bring the reason of the loss into the exception case in which he is relieved from liability，he could be held liable for the loss by the court
D.Should a carrier not bring the reason of the loss into the exception case in which he is relieved from liability，he could not be held liable for the loss by the court
The prima facie case of negligence in this passage refers to the one in which ______．A.a presumption of fault was made on the part of the carrier
B.a presumption of fault was made on the part of the shipper
C.a reasonable care was used by the carrier
D.a reasonable care was used by the shipper
请帮忙给出每个问题的正确答案和分析，谢谢！
问题 1 答案解析：A
问题 2 答案解析：A
问题 3 答案解析：A
问题 4 答案解析：A
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第16题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
According to the passage, insurance company will protect individuals from the losses EXCEPTA.property
B.fires
C.accidents
D.getting old答案：D解析：细节题。根据第一段第一句“Insurance(保险)may be considered a game of risk in which individuals and businesses protect themselves，their families，and their property from possible losses resulting from unpredictable events such as storms，fires，accidents and illnesses．”可知A、B、C三项都包含在内，只有D项没有提到，故选D。 -
第17题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is true?A.Premium is a small amount of money you pay for your losses.
B.If an individual didn't have a loss, premium was not wasted, because he didn't need to worry about unpredictable events.
C.An insurance agent holds premiums paid by the thousands.
D.The premium will be refund if an individual does not have a lose.答案：B解析：细节题。根据第二段倒数第二句“An individual who does not have a loss loses the premium money but purchases what insurance underwriters call‘peace of mind’．”可知．人们购买保险就是为了获得心灵平静，不用对未来不可预测的事情担心。B项说法正确。A项错在“for your losses”；C项应是insurance company或underwriter持有投保者的保险费，而不是insurance agent；D项如果投保者没有损失，保险费也是不退还的。 -
第18题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The word "policy" in the 2nd paragraph most probably means ___________.A.a risk between individual and insurance company
B.a shared loss
C.an agreement between an individual and an underwriter.
D.a rule made by the individual答案：C解析：词义题。根据题干定位至第二段，“The individual receives an insurance policy，a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it．”表明policy指的是个人和担保人之间签的协议。故选C。 -
第19题：
According to the press release,what can be found on the company’s web site?
A. News of future company project
B. Details of the latest advertising campaign
C. A statement about Mr. Charlie McGreger
D. Information about Ms. Jackie Johnson答案：D解析：这道题的核心词汇web site出现在文章的最后一句话中，“可以在公司网站上看到MS. Jackie Johnson 的简历和职业成就（A short biography of Ms. Jackie Johnson and a list of her professional achievements) 因此正确答案是 D Information about Ms. Jackie Johnson(关于 Ms.Jackie Johnson 的介绍）。 -
第20题：
单选题According to the passage, women’s working _____.Ahas resulted in a closer family tie
Bhas helped their family financially
Chas caused more problems than before
Dhas adversely affected their family life
正确答案： B解析：
第四段说女性有工作的权利并不应该意味着夫妻或家人没有时间见面。而四分之一有未成年子女的家庭面临的处境却是总有一位家长要上夜班，主要是因为照顾孩子的问题。 -
第21题：
填空题What we can learn from “Paper from Rag” is that you had better buy archival materials from specialist suppliers.____正确答案： I解析：
根据题干中的信息“Paper from Rag”可以定位到I段“The only safe solution is to purchase from specialist suppliers”，故匹配段落为I。 -
第22题：
单选题Which keyword is used with the show ip bgp neighbors [keyword] command to display all routes that are received and accepted from a neighbor?（）Apaths
Baccepted-routes
Cadvertised-routes
Droutes
正确答案： A解析： 暂无解析 -
第23题：
问答题Practice 1 ● Your company ordered from Maximum Company 50 tables. But when the goods arrived, you found that the sides of nearly all the tables are badly scratched. The damage appears to have been caused by rough handling before dispatch. ● You are asked to write to Mr. Cooper, sales manager of Maximum, and complain about the damage. ● Write about 60—80 words.正确答案： 【参考范文】
Dear Mr. Cooper,
We duly received the 50 tables from you, but regret to tell you that we find that the sides of nearly all the tables are badly scratched.
It seems that the damage has been caused by rough handling before the dispatch, so we would appreciate it if you could inform us of what measures you are about to take as for the compensation for the damage as soon as possible.
We look forward to hearing from you soon.
Yours sincerely,
Signature解析： 暂无解析