1、大学六级-34 及答案解析(总分：710.00，做题时间：90 分钟)一、BPart Writing(总题数：1，分数：103.00)1.Directions: For this part, you are allowed 30 minutes to write a short essay entitled Low-Carbon and Environmental Protection according to the following graph and outline. You should write at least 150 words but no more than 200 wo
2、rds.（分数：103.00）_二、BPart Reading (总题数：1，分数：70.00)Directions: In this part, you will have 15 minutes to go over the passage quickly and answer the questions on Answer Sheet 1. For questions 1-7, choose the best answer from the four choices marked A), B), C) and D). For questions 8-10, complete the sen
3、tences with the information given in the passage.Buying the Best Insurance for Your BusinessGabrielle Melchionda broke into tears when firefighters accidentally flooded the headquarters of Mad Gabs, the beauty company she had founded two decades ago, even though she knew that insurance would replace
4、 the desks, computers, and shelves of lip balm (唇膏) she had lost. To her surprise, however, the real pain came in the months that followed, when she continued to owe salaries and rent while her sales slowed to a trickle (滴，淌，细流).“The critical piece that was missing was business-interruption insuranc
5、e,“ said Ms. Melchionda, who had property and liability insurance but had never got around to adding a policy that replaces income lost after accidents.Business owners have plenty of stories like Ms. Melchiondas, of policies that didnt cover enough damage or covered the wrong risk. Some of these com
6、plaints can be attributed to tight-fisted insurance companies or misinformed agents, but the fault often lies with entrepreneurs (企业家) who gloss over their insurance decisions.“Generally speaking, small-business owners are not completely aware of the coverage they have or the coverage they need,“ sa
7、id Steven Spiro, an independent insurance agent, explaining that many small-business owners buy insurance simply to comply with the requirements of an office lease.Picking an AgentBuying insurance can be intimidating (使人胆怯的), and its difficult to know who is trying to take advantage of you and who i
8、s giving honest advice. Thats why you should start by asking other entrepreneurs in your industry what kinds of insurance they carry and who they bought it from. There are three types of vendors who can help you pick insurance: independent agents, captive agents (专属代理人), and risk consultants.Indepen
9、dent agents, also known as brokers, offer the greatest choice because they typically represent many carriers. They are paid on commission by the insurance company, between 10 percent and 20 percent of the annual premium depending on the policy. Beware: because some carriers pay a higher commission t
10、han others, brokers may be tempted to play favorites.Captive agents represent one insurance company that pays them a salary and commands their loyalty. Some companies such as Allstate only deal with their own agents; that means you can only buy their policies through one of their agents.Both indepen
11、dent and captive agents receive bonuses at the end of the year based on their ratio of policies sold to damages paid. That means its in their interest to sell you as much insurance as possible and minimize your claims as much as possible. Understand, also, that most agents focus solely on insurance.
12、 “Sometimes there are solutions to your problem that might be better treated without insurance,“ said Arthur Flitner, a small-business expert at the Insurance Institute of America. In some cases, for example, it makes more financial sense to self-insure against certain property risks by setting up a
13、 rainy-day fund, or to minimize lawsuit risks by enforcing strict employment policies.Thats when a risk consultant can help. Because theyre costly youll usually pay a few thousand dollars for a basic project it makes sense to hire a risk expert only if you have an unusually risky operation, or run a
14、 business with more than, say, $ 25 million in revenue (收入) or more than 100 employees.After youve found some trustworthy vendors, its time to shop for bids. Go to as many brokers and agents as you like, but keep in mind that insurance companies wont bid on the same account through different brokers
15、.Picking a PolicyIf youre grossing less than $ 3 million, you will most likely end up with a business owners policy, known as a B. O. P., which bundles business policies and lets you add additional pieces as necessary. Every carrier assembles its B. O.P. differently, so make sure youre making accura
16、te comparisons when shopping.If you are grossing more than $ 3 million, you will probably have to buy your policies separately. There are four policies you really cant do business without if you have more than a couple of employees:Workers compensation is required by state law and covers workers med
17、ical expenses, disability pay and death benefits. Rates vary widely by industry and occupation. While the premiums for a secretary might be 22 cents per $100 of payroll, the rate for a roofer might exceed $ 20 per $100 of payroll. Make sure your business is classified correctly, and dont try to pass
18、 off your toy factory (manufacturing is considered high-risk) as a design firm (low risk). Once employees start filing claims, carriers will conclude that you are a riskier-than-usual design firm and raise your premiums.Property insurance covers your physical premises as well as equipment in your of
19、fice. Rates vary widely, depending on the age of your building, how far it is from the fire department, and whether it is made of steel or wood.Beware of“ coinsurance clauses, which allow carriers to pay only a share of damages if they believe you underinsured your property. Instead, ask your broker
20、 to add “agreed value“ coverage in which you and the insurance company agree on an appropriate insurance level. This can add up to 15 percent to your premiums, but it leaves less room for dispute later.General liability insurance covers injuries your company causes to other peoples health, property
21、or reputation. Rates usually take into account factors like revenue, size of your offices and number of customers. Most basic packages cover $1 million for each occurrence; umbrella policies can add more coverage quite cheaply.If its available, make sure you buy the more expensive “ occurrence“ poli
22、cy, which covers you for accidents at the time they occurred even if you have since left the business and your policy has lapsed as opposed to a “claims made“ policy, which covers you only if you are insured when the claim is made.Business interruption insurance the kind Ms. Melchionda should have h
23、ad pays not just the lost sales and rent and payroll costs while you rebuild your business after an accident; it also pays for you to rent a temporary office or equipment so you can get back on your feet faster.These policies are just the first building blocks of your insurance coverage. There are d
24、ozens of other policies you could add, depending on the kind of business you run. Some, like medical malpractice for doctors and hospitals, are absolutely essential, while others are pure waste. To determine what you need, start by asking yourself two questions : how likely is it that youll sustain
25、damage, and could you cover the cost of the damage yourself? As experts like to point out, insurance is meant to cover catastrophes, not pay for maintenance.“Its a gamble,“ said George Von York, a public adjuster who helps business owners negotiate higher claims payments from insurers. “Most people
26、will never have a substantial claim in their life. But boy, when you need it, its good to have that coverage. “（分数：70.00）(1).The passage mainly focuses on _. A. how to buy the most suitable insurance for your own business B. how to pick an agent for you own business C. how to pick a policy when you
27、buy the insurance D. how to deal with the insurance company（分数：7.00）A.B.C.D.(2).Gabrielle Melchionda _. A. did not realize that the insurance company will compensate her loss in the fire B. realized the real pain for her loss in the fire when the fire broke out C. had her company insured against bus
28、iness-interruption D. was very sorrowful when her beauty company caught fire（分数：7.00）A.B.C.D.(3).Buying insurance sometimes is frightening in that _. A. you should ask other people in your industry for the advice B. it is not easy to distinguish the honest advice and the lie C. there are different t
29、ypes of agents for you to choose D. you do not know where to buy insurance for your company（分数：7.00）A.B.C.D.(4).If you have an unusually risky operation, _. A. you should find a trustworthy vendor B. you should seek help from insurance company C. you are supposed to hire a risk expert D. you are sup
30、posed to weigh the risk of your company by yourself（分数：7.00）A.B.C.D.(5).What kind of policy is required by the state law? A. Workers compensation. B. Property insurance. C. General liability insurance. D. Business interruption insurance.（分数：7.00）A.B.C.D.(6).In the policy of “workers compensation“, t
31、he rates _. A. are the same in different occupation B. are the same in different industries C. are different in different occupation but the same in different industries D. are different in different industries and occupations（分数：7.00）A.B.C.D.(7).George Von York _. A. thinks to most people it is not
32、 necessary to buy insurance B. thinks we are supposed to buy certain insurance in our life C. is a public adjuster who charges higher claims payments from insurers D. is an excellent seller in insurance（分数：7.00）A.B.C.D.(8).Property insurance covers your physical premises as well as _.（分数：7.00）填空项 1:
33、_(9).It is necessary for you to buy the more expensive occurrence policy if it is _.（分数：7.00）填空项 1:_(10).Business interruption insurance also pays for you to rent _.（分数：7.00）填空项 1:_三、BPart Listenin(总题数：0，分数：0.00)四、BSection A/B(总题数：4，分数：105.00)Directions: In this section, you will hear 8 short conver
34、sations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversations and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A), B), C)
35、 and D), and decide which the best answer is. Then mark the corresponding letter on Answer Sheet 2 with a single line through the center.（分数：35.00）(1). A. He prefers to watch sports. B. Hell watch the movie if he has time. C. He never watches movies on television. D. He had the idea at the same time
36、 that she did.（分数：7.00）A.B.C.D.(2). A. Keep better track of the time. B. Try to make up the lost time. C. Treasure the good time at the university. D. Concentrate on the purpose of university.（分数：7.00）A.B.C.D.(3). A. He will not enjoy himself much. B. He will enjoy himself but hes never tried either
37、 snowboarding or skiing. C. He would like to join but isnt good at it. D. He will come but doesnt want to ski.（分数：7.00）A.B.C.D.(4). A.The professor postponed the exam and will inform everyone when itll be held. B. The professor phoned him about the postponing of the exam. C. The professor discussed
38、the exam and will replace it. D. The professor postponed the exam until Thursday.（分数：7.00）A.B.C.D.(5). A. Susan will probably dislike the picture. B. Susan is younger than what she looks in the picture. C. That picture matters a lot to Susan. D. That picture beautifies Susan.（分数：7.00）A.B.C.D.（分数：21.
39、00）(1). A. She has done enough work. B. Her project is the hardest of all. C. What she did is far from enough. D. She tried to scratch the surface.（分数：7.00）A.B.C.D.(2). A. She has got a drivers license. B. She will going to take a boat tour. C. She has been accepted by a college. D. She is going abr
40、oad.（分数：7.00）A.B.C.D.(3). A. They are both doctors. B. They are both chemists. C. They work in the same department. D. They graduated from the same university.（分数：7.00）A.B.C.D.Questions 19 to 22 are based on the conversation you have just heard. （分数：28.00）(1). A. In the student recreation center. B.
41、 In the campus canteen. C. In the university bookstore. D. In a classroom.（分数：7.00）A.B.C.D.(2). A. Studying. B. Preparing snacks. C. Playing cards. D. Learning how to play bridge.（分数：7.00）A.B.C.D.(3). A. Watch her partner. B. Play her cards in cooperation with her partner. C. Quit the game. D. Teach
42、 the man how to play bridge.（分数：7.00）A.B.C.D.(4). A. He already knows how to play. B. He doesnt like to play games. C. He doesnt have a partner. D. He doesnt have enough free time.（分数：7.00）A.B.C.D.Questions 23 to 25 are based on the conversation you have just heard. （分数：21.00）(1). A. It helps her to
43、 attract more public attention. B. It improves her chance of getting promoted. C. It strengthens her relationship with students. D. It enables her to understand people better.（分数：7.00）A.B.C.D.(2). A. Passively. B. Positively. C. Skeptically. D. Sensitively.（分数：7.00）A.B.C.D.(3). A. It keeps haunting
44、her day and night. B. Her teaching was somewhat affected by it. C. It vanishes the moment she steps into her role. D. Her mind goes blank once she gets on the stage.（分数：7.00）A.B.C.D.五、BSection B/B(总题数：3，分数：70.00)Directions: In this section, you will hear 3 short passages. At the end of each passage,
45、 you will hear some questions. Both the passage and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A), B), C) and D). Then mark the corresponding letter on the Answer Sheet 2 with a single line through the center.Passag
46、e OneQuestions 26 to 29 are based on the passage you have just heard. （分数：28.00）(1). A. Graduation. B. A class reunion. C.The dedication of a new building. D. The groundbreaking ceremony for a pedestrian walkway on campus.（分数：7.00）A.B.C.D.(2). A. The main campus. B. The student population. C. The ag
47、e-old ideals. D. The programs of the Division of Continuing Education.（分数：7.00）A.B.C.D.(3). A. Because a bell tower was to be built on the site. B. Because it was found unsafe. C. Because a parking lot was to be constructed there. D. Because no one wanted to preserve it.（分数：7.00）A.B.C.D.(4). A. Ever
48、ything at State University has changed in the past ten years. B. Although the campus looks the same, some things have changed at State University. C. In spite of the changes on the campus, the commitments of the State University remain the same. D. Everything has stayed the same at State University during the past ten years.（分数：7.00）A.B.C.D.Passage TwoQuestions 30 to 32 are based on the passage you have just heard. （分数：21.00）(1). A. Jeffers
