Arbitrageurs in the futures markets are those people who ______.A．take on the risks that hedgers want to shedB．seek to hedge their risksC．make the futures prices move in accordance with other marketsD．all of the above

Employers are looking for people who can create business,bring in customers and open new markets.

A:invest
B:introduce
C:recommend
D:keep

Passage Four
Ideasabout polite behaviour differ from one culture to another.Some societies,such asAmerica and Australia,for example,are mobile and veryopen.People here change jobs and move house quiteoften.As a m result,they have a lot of relationships that often last only mashort time,and they need to get to know people quickly.So it′s normal to havefriendly conversations with people that they have just met,and you can talk aboutthings that other cultures would regard as personal.
On the other hand,there are more crowded and less mobile societies where long-termrelationships are more important.A Malaysian or Mexican business person,for example,willwant to get to know you very well before he or she feels happy to startbusiness.But when you do get to know each other,the relationship becomes muchdeeper than it would in a mobile society.
To Americans,both Europeans and Asians seem cool and formal atfirst.On the other hand,as a passenger from a less mobile society puts it,it′s no fun spending several hours next to a stranger who wants to tell you allabout his or her life and asks you all sorts of questions that you don′t want to answer.
Cross-cultural differences aren′t just a problem for travelers,but also for people in daily life.Some societies have"universalist′′cultures.These societies strongly respect rules,and they treat every personand situation in basically the same way."Particularist"(强调特性的)societies also have rules,but they are less important than thesociety′s unwritten ideas about what is right or wrong for a particularsituation or a particular person.So the normal rules are changed to fit theneeds of the situation or the importance of the person.

Who do Malaysians prefer to startbusiness with according to the passage?

A.Those who talk a lot about themselves.
B.Those who they know well enough.
C.Those who enjoy talking with strangers.
D.Those who want to do business withthem.

资料：（一）
Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.
Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.
The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.

According to this passage, insurance is possible because______.

A.only a small proportion of the insured suffer loss
B.everyone at some time suffers loss
C.nearly everyone suffers loss
D.only insured people suffer loss

共用题干
第一篇

“Don' t Drink Alone" Gets New Meaning

In what may be bad news for bars and pubs,a European research group has found that people drinking
alcohol outside of meals have a significantly higher risk of cancer in the mouth and neck than do those who
drink with food.Luigino Dal Maso and his colleagues studied the drinking patterns of 1,500 patients from
four cancer studies and another 3,500 adults who had never had cancer.
After the researchers accounted for the amount of alcohol consumed,they found that individuals who
downed a significant share of their alcohol outside of meals faced at least a 50 to 80 percent risk of cancer in
the oral cavity（口腔）,pharynx（咽）,and esophagus（食管）,when compared with people who drank only
at meals.Consuming alcohol without food also increased by at least 20 percent the likelihood of laryngeal
cancer（喉癌）."Roughly 95 percent of cancers at these four sites traced to smoking or drinking by the study
volunteers,"Dal Maso says.The discouraging news,his team reports,is that drinking with meals didn't
eliminate cancer risk at any of the sites.
For their new analysis,the European scientists divided people in the study into four groups,based on
how many drinks they reported having in an average week.The lowest-intake group included people who
averaged up to 20 drinks a week.The highest group reported downing at least 56 cups of alcohol weekly for
an average of eight or more per day.Cancer risks for the mouth and neck sites rose steadily with consumption
even for people who reported drinking only with meals.For instance,compared with people in the lowest
group,participants who drank 21 to 34 alcohol cups a week at least doubled their cancer risk for all sites
other than the larynx.If people in these consumption groups took some of those drinks outside meals,those
in the higher consumption group at least quadrupled（四倍）their risk for oral cavity and esophageal cancers.
People in the highest-consumption group who drank only with meals had 10 times the risk of oral
cancer,7 times the risk of pharyngeal cancer,and 16 times the risk of esophageal cancer compared with
those who averaged 20 or fewer drinks a week with meals.In contrast,laryngeal cancer risk in the high-in-
take,with-meals-only group was only triple that in the low-intake consumers who drank with meals.
"Alcohol can inflame（使发炎）tissues. Over time,that inflammation can trigger cancer."Dal Maso
says. He suspects that food reduced cancer risk either by partially covering digestive-tract（消化道）tissues
or by taking alcohol off those tissues.He speculates that the reason laryngeal risks were dramatically lower
for all study participants traces to the tissue's lower exposure to alcohol.

Who are more likely to develop cancer in the mouth and neck?
A:People who drink alcohol at meals.
B:People who never drink alcohol.
C:People who drink alcohol outside of meals.
D:People who drink alcohol only at bars and pubs.

共用题干
第一篇

In what may be bad news for bars and pubs,a European research group has found that people drinking alcohol outside of meals have a significantly higher risk of cancer in the mouth and neck than do those taking their libations with food.Luigino Dal Maso and his colleagues studied the drinking pattems of 1 ,500 patients from four cancer studies and another 3,500 adults who had never had cancer.
After the researchers accounted for the amount of alcohol consumed,they found that individuals who downed a significant share of their alcohol outside of meals faced at least a 50 to 80 percent risk of cancer in the oral cavity（腔）,pharynx（咽）,and esophagus（食管）,when compared with people who drank only at meals.Consuming alcohol without food also increased by at least 20 percent the likelihood of laryngeal（喉）cancer."Roughly 95 percent of cancers at these four sites traced to smoking or drinking by the study volunteers,"Dal Maso says.The discouraging news,his team reports, is that drinking with meals didn't eliminate cancer risk at any of the sites.
For their new analysis,the European scientists divided people in the study into four groups, based on how many drinks they reported having in an average week.The lowest-intake group includ-ed people who averaged up to 20 drinks a week.The highest group reported downing at least 56 servings of alcohol weekly for an average of eight or more per day.Cancer risks for the mouth and neck sites rose steadily with consumption even for people who reported drinking only with meals.For instance,compared with people in the lowest-consumption group,participants who drank 21 to 34 alcohol servings a week at least doubled their cancer risk for all sites other than the laryngeal cancer. If people in these consumption groups took some of those drinks outside meals,those in the higher consumption group at least quadrupled their risk for oral cavity and esophageal cancers.
People in the highest-consumption group who drank only with meals had 10 times the risk of oral cancer,7 times the risk of pharyngeal cancer,and 16 times the risk of esophageal cancer compared with those who averaged 20 or fewer drinks a week with meals.In contrast,laryngeal cancer risk in the high-intake,with-meals-only group was only triple that in the low-intake consumers who drank with meals.
"Alcohol can inflame tissues.Over time,that inflammation can trigger cancer."Dal Maso says.He suspects that food reduced cancer risk either by partially coating digestive-tract tissues or by scrubbing alcohol off those tissues.He speculates that the reason laryngeal risks were dramatically lower for all study participants traces to the tissue's lower exposure to alcohol.

Researchers have found that the risk of cancer in the mouth and neck is higher with people_________.
A:who drink alcohol outside of meals
B:who drink alcohol at meals
C:who never drink alcohol
D:who drink alcohol at bars and pubs

Psychology tells us that many people hate to take risks. But it is good for us to take risks, especially when the risk is to achieve a desired result. In that way, we become stronger and braver.
Our human nature should be to take risks, but some people just sit and wish they didn't have the fear to move on. This is because they failed a few times in their lives. Please step out and don't let the past hold you back from living life to the fullest. Move forward and move on! In studying the psychology of taking risks, we find that human provides us with the desire to experiment and take chances.
Risk taking is a great advantage that allowed our ancestors to become stronger and stronger day by day. By taking risks they fought off enemies and discovered new territories. This attitude has become a part of our modem culture. Riding a roller caster is a common risk taking activity. Even each person seems to enjoy the risk although they have the understanding that it is dangerous. This psychological and biological connection creates an interesting connection between what is unsafe and what humans enjoy.
Getting in a car each day is a risk. Getting out of bed is a risk, too. We need to take risks so that we can complete many things. Astronauts take risks when they get inside a rocket; however,the things they achieve are great. Businessmen take a risk when they buy parts of a company, however, without doing that, they could not make more money.
We need to take risks so that we can gain something. It is impossible to move forward in life, earn money, enjoy a relationship, play a sport, or doing anything else without taking a risk. It is all part of the game. It' s one of the most important parts of life.
Some people don't want to take risks, mainly because__

A.they are too lazy to move on
B.they feel pleased with the present life
C.they have failed several times before
D.they show little interest in the strange world outside

资料：Workforce planning helps an organization to estimate its future workforce requirements and calculate the numbers, nature and sources of potential employees who might meet that demand.
Effective workforce planning helps companies identify and plan how to tackle their current and future workforce challenges and priorities. It provides a sound basis for developing an effective workforce strategy.
An easy way of thinking about workforce planning it to get the right number of people, with the right skills, in the right place, at the right time. For our company, the right people will be those with relevant skills and capabilities to drive the company forward this year, next year and future years. Our company then provides training and development opportunities that enable people to enhance their skill sets and build their careers. This gives the company the continued benefit of experienced,committed and well-trained employees.
Like other established companies,we may have a large number of long-standing employees with vast skills and experience. However, as people retire, it needs to replace those skills. Careful monitoring is essential to examine the age and skills profile of the workforce when compared with present and future company needs. This ensures the business can meet its objective.

Who may be the potential employees of the company?

A.those who have many work experiences.
B.those who are likely to quit in a year.
C.those who are friendly to colleagues.
D.those who are skilled as well as committed.

资料：（一）
Insurance is the sharing of risks, Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship owner knows that his vessel may be lost at sea；the breadwinner knows that he may die at an early age and leave his family the poorer. On the other hand, not every house is damaged by fire nor every vessel lost at sea. If these persons each put a small sum of money into a pool, there will be enough to meet the needs of the few who do suffer loss, In other words, the losses of the few are met from the contributions of the money. This is the basis of insurance, Those who pay the contribution are known as “insured”and those who administer the pool of contributions as ”insurers”.
Not all risks can be covered by insurance. Broadly speaking, the ordinary risks of business and speculation cannot be covered. The risk that buyers will not buy goods at the prices offered is not of a kind that can be statistically estimated, and risks can only be insured against if they can be so estimated.
The legal basis of all insurance is the “policy”. This is a printed form of contract. It states that in return for the regular payment by the insured of a certain sum of money, called the “premium”, which is usually paid every year, the insurer will pay a sum of money or compensation for loss, if the risk actually happens. The wording of policies, particularly in marine insurance, often seems very old-fashioned, but there is a sound reason of this. Over a large number of years, many law cases have been brought to clear up the meanings of doubtful phrases in policies. The law courts have given these phrases a definite and indisputable meaning, and to avoid future disputes the phrases have continued to be used in polices even when they have passed out of normal use in speech.

The insurance of businesses’ordinary risks is not possible because______.

A.such risks are very expensive
B.such risks cannot be estimated precisely
C.such risks are too high
D.the premium would be too high