大学六级-1581及答案解析.doc

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1、大学六级-1581 及答案解析(总分：713.00，做题时间：90 分钟)一、Part Writing(总题数：1，分数：106.00)1.Directions: For this part, you are allowed 30 minutes to write a short essay entitled Should We Advocate a Conservation-Oriented Society or a Consumption-Oriented Society7. You should write at least 150 words following the outline

2、 given below.1.有人建议我们应当倡导节约型社会；2.有人认为我们应当倡导消费型社会；3.我认为（分数：106.00）_二、Part Reading Compr(总题数：4，分数：70.00)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 a

3、go, even though she knew that insurance would replace 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

4、 that was missing was business-interruption insurance, “ 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 enoug

5、h damage or covered the wrong risk. Some of these complaints 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 t

6、he coverage they have or the coverage they need, “ said 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 k

7、now who is trying to take advantage of you and who is 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,

8、captive agents(专属代理人), and risk consultants.Independent 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. Bewa

9、re: because some carriers pay a higher commission than 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 thei

10、r policies through one of their agents.Both independent 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

11、, also, that most agents focus solely on insurance. “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-i

12、nsure against certain property risks by setting up a rainy-day fund, or to minimize lawsuit risks by enforcing strict employment policies.Thats when a risk consultant can help. Because theyre costlyyoull usually pay a few thousand dollars for a basic projectit makes sense to hire a risk expert only

13、if you have an unusually risky operation, or run a business with more than, say, $ 25 million in revenue(hA.)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

14、bid on the same account through different brokers.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.

15、 P. differently, so make sure youre making accurate 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 compensatio

16、n is required by state law and covers workers medical 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 busin

17、ess is classified correctly, and dont try to pass off your toy factory (manufacturing is considered high-risk) as a design ftrm(low risk). Once employees start fihng claims, carriers will conclude that you are a riskier-than-usual design ftrm and raise your premiums.Property insurance covers your ph

18、ysical premises as well as equipment in your office. 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 underi

19、nsured your property. Instead, ask your broker 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 com

20、pany causes to other peoples health, property 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

21、 you buy the more expensive “occurrence“ policy, which covers you for accidents at the time they occurredeven if you have since left the business and your policy has lapsedas opposed to a “claims made“ policy, which covers you only if you are insured when the claim is made.Business interruption insu

22、rancethe kind Ms. Melchionda should have hadpays 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 block

23、s of your insurance coverage. There are dozens 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 questio

24、ns: how likely is it that youll sustain 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 cl

25、aims payments from insurers. “Most people will never have a substantial claim in their life. But boy, when you need it, its good to have that coverage. /（分数：49.00）(1).The passage mainly focuses on _.A. how to buy the most suitable insurance for your own businessB. how to pick an agent for you own bu

26、sinessC. how to pick a policy when you buy the insuranceD. 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 fireB. realized the real pain for her loss in the fire when the fire broke outC.

27、had her company insured against business-interruptionD. 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 adviceB. it is not easy to distinguish the honest advice and

28、the lieC. there are different types of agents for you to chooseD. 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 vendorB. you should seek help from insurance companyC. you are supposed to hire a

29、 risk expertD. you are supposed 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 “w

30、orkers compensation“, the rates _.A. are the same in different occupationB. are the same in different industriesC. are different in different occupation but the same in different industriesD. are different in different industries and occupations（分数：7.00）A.B.C.D.(7).George Von York _.A. thinks to mos

31、t people it is not necessary to buy insuranceB. thinks we are supposed to buy certain insurance in our lifeC. is a public adjuster who charges higher claims payments from insurersD. is an excellent seller in insurance（分数：7.00）A.B.C.D.2.Property insurance covers your physical premises as well as 1.（分

32、数：7.00）填空项 1:_3.It is necessary for you to buy the more expensive occurrence policy if it is 1.（分数：7.00）填空项 1:_4.Business interruption insurance also pays for you to rent 1.（分数：7.00）填空项 1:_三、Part Listening Com(总题数：0，分数：0.00)四、Section A(总题数：4，分数：105.00)(1).A. At Annes Clothing Store.B. Inside a shopp

33、ing center.C. At a downtown street.D. In a suburban residential district.（分数：7.00）A.B.C.D.(2).A. He was fired from his job.B. He was warned about being more punctual from now on.C. The management cut his working hours.D. He was promoted.（分数：7.00）A.B.C.D.(3).A. They are at a violin shop. B. They are

34、at a circus.C. They are at a concert. D. They are inside a movie theatre.（分数：7.00）A.B.C.D.(4).A. She didnt go to work this morning. B. She was injured and had to go to the hospital.C. She talked with the boss in .the morning. D. The traffic delayed her.（分数：7.00）A.B.C.D.(5).A. Seven oclock. B. Seven

35、thirty. C. Eight oclock. D. Eight thirty.（分数：7.00）A.B.C.D.(1).A. Sending the next package earlier. B. Waiting patiently.C. Using air freight. D. Looking for the package.（分数：7.00）A.B.C.D.(2).A. She thinks that he should plan his money more carefully.B. She thinks that he should buy a convertible.C. S

36、he thinks that he should ask Barbara for advice.D. She wants him to manage her money.（分数：7.00）A.B.C.D.(3).A. He was furious with his boss.B. He was always late to work.C. His daughter was sick and that made him late for work.D. He prepared a financial report incorrectly.（分数：7.00）A.B.C.D.Questions 19

37、 to 22 are based on the conversation you have just heard.（分数：28.00）(1).A. How to care for precious metal. B. A standard unit for measuring weight.C. The value of precious metal. D. Using the metric system.（分数：7.00）A.B.C.D.(2).A. To check the accuracy of scale. B. To calculate the density of other me

38、tal.C. To observe changes in the atmosphere. D. To measure amounts of rainfall.（分数：7.00）A.B.C.D.(3).A. Someone spilled water on it. B. Someone lost it.C. It was made of low quality metal. D. The standard for measuring had changed.（分数：7.00）A.B.C.D.(4).A. It is a small amount to pay for so much precio

39、us metal.B. It is difficult to judge the value of such an object.C. It is reasonable for an object with such an important function.D. It is too high for such a light weight.（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. A more economical diesel

40、 fuel. B. Characteristics of a new type of fuel.C. Where a new energy source is located. D. How to develop alternative energy sources.（分数：7.00）_(2).A. Hes studying for a test. B. He lost his note.C. He missed the class. D. Hes doing research.（分数：7.00）A.B.C.D.(3).A. To help him explain the informatio

41、n to his roommate.B. To help him write a paper.C. To prepare for a test.D. To tell her if the notes are accurate.（分数：7.00）A.B.C.D.五、Section B(总题数：3，分数：70.00)Passage OneQuestions 26 to 29 are based on the passage you have just heard.（分数：28.00）(1).A. Less than 30 minutes. B. From 30 to 45 minutes.C. A

42、t least 4,5 minutes. D. More than 30 minutes.（分数：7.00）A.B.C.D.(2).A. He should show respect for the interviewer. B. He should show confidence for himself.C. He should be dressed properly. D. He should talk enthusiastically.（分数：7.00）A.B.C.D.(3).A. Speaking politely and emotionally. B. Talking loudly

43、to give a lasting impression.C. Talking a lot about the job. D. Speaking confidently but not aggressively.（分数：7.00）A.B.C.D.(4).A. Professional knowledge is a decisive factor in a job interview.B. Finding a job is more difficult than one can imagine.C. Self-confidence is more important for a job seek

44、er.D. A job seeker should create a good image during an interview.（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. The mans professor. B. The mans roommate.C. A neighbor. D. The mans brother.（分数：7.00）A.B.C.D.(2).A. He is too talkative. B. H

45、e borrows Colins thing.C. He brings guests over to the apartment. D. He doesnt use the kitchen enough.（分数：7.00）A.B.C.D.(3).A. Try to talk to Colin. B. Go home for a week.C. Wait till the end of this week. D. Have a room change immediately.（分数：7.00）A.B.C.D.Passage ThreeQuestions 33 to 35 are based on

46、 the passage you have just heard.（分数：21.00）(1).A. Kings and queens, princes and princesses, and lords and ladies built castles in order to get more land.B. Around the outside of a castle, a moat was dug, which was often filled with water.C. A castle was built behind a thick and high stonewall, which

47、 was strong enough to stand the possible attack of enemies.D. If a drawbridge was pulled up, there was no way for people to enter the castle.（分数：7.00）A.B.C.D.(2).A. They lived a luxurious life and their diet was very delicate.B. They lived a highly civilized court life.C. They lived a primitive life

48、 and their table manner was often rude.D. They lived a comparatively luxurious but not so civilized life.（分数：7.00）A.B.C.D.(3).A. Castles structure and the eating habit in them.B. Castles structure and the people who lived in them.C. Castles structure and the life in them.D. Why people built castles and their structure.（分数：7.00）A.B.C.D.六、Section C(总题数：1，分数：77.00)A few years ago it was (36) to speak of a generation gap, a division between young people and their eiders. Parents (37) that children did not show them proper respect and (38) , while children complained that their parents