MAA303 Exam Solution 2 2008

Principles of Insurance: Life, Health, and Annuities, Third Edition (2005); Jones Test Preparation Guide for LOMA 280 (2005); LOMA1. Jones, c. 4, p. 702. Jones, c. 2, p. 363. Jones, c. 9, pp. 157-1584. Jones, c. 11, pp. 203, 205, 2065. Jones, c. 12, p. 2326. Jones, c. 14, p. 2687. Jones, c. 17, p. 3388. Jones, c. 1, p. 129. Jones, c. 3, pp. 46-4710. Jones, c. 15, pp. 289, 291-292, 29311. Jones, c. 2, p. 3512. Jones, c. 4, pp. 66, 6713. Jones, c. 5, p. 8114. Jones, c. 8, p. 13315. Jones, c. 4, pp. 62, 6316. Jones, c. 15, p. 30717. Jones, c. 10, pp. 185, 18718. Jones, c. 1, p. 1219. Jones, c. 2, pp. 28-2920. Jones, c. 4, p. 7321. Jones, c. 6, pp. 98-9922. Jones, c. 7, pp. 122-12323. Jones, c. 8, p. 14124. Jones, c. 9, p. 16025. Jones, c. 11, pp. 218-22026. Jones, c. 12, p. 23327. Jones, c. 15, p. 29728. Jones, c. 16, pp. 317-31829. Jones, c. 17, p. 34030. Jones, c. 18, p. 35931. Jones, c. 1, p. 532. Jones, c. 2, pp. 31-3233. Jones, c. 5, p. 7834. Jones, c. 6, p. 11235. Jones, c. 6, pp. 104, 10636. Jones, c. 3, p. 4937. Jones, c. 7, pp. 118-11938. Jones, c. 8, p. 145 39. Jones, c. 10, pp. 194-19540. Jones, c. 11, pp. 203-20441. Jones, c. 12, p. 24042. Jones, c. 14, p. 27243. Jones, c. 16, p. 31644. Jones, c. 1, p. 1545. Jones, c. 1, p. 846. Jones, c. 11, p. 20947. Jones, c. 9, p. 17148. Jones, c. 12, p. 24449. Jones, c. 17, pp. 337-33850. Jones, c. 5, p. 8451. Jones, c. 3, p. 5152. Jones, c. 8, pp. 149-15053. Jones, c. 11, p. 21754. Jones, c. 14, p. 28055. Jones, c. 8, p. 13756. Jones, c. 18, pp. 353-35457. Jones, c. 13, pp. 256-25758. Jones, c. 15, p. 30359. Jones, c. 18, pp. 356-35760. Jones, c. 7, p. 12461. Jones, c. 6, p. 10262. Jones, c. 8, p. 15363. Jones, c. 10, pp. 192-19364. Jones, c. 17, pp. 334-33565. Jones, c. 7, p. 12966. Jones, c. 9, p. 17867. Jones, c. 11, p. 21568. Jones, c. 13, pp. 260-26169. Jones, c. 2, pp. 27-2970. Jones, c. 9, p. 16871. Jones, c. 1, pp. 16-1772. Jones, c. 4, pp. 59-60, 7373. Jones, c. 5, p. 7974. Jones, c. 13, pp. 255-25675. Jones, c. 9, p. 166Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Principles of Financial Services and Products (2004); Bickley Test Preparation Guide for LOMA 286 (2004); LOMA1. Bickley, c. 1, p. 132. Bickley, c. 8, p. 1713. Bickley, c. 12, pp. 263-2654. Bickley, c. 6, pp. 125-1265. Bickley, c. 11, p. 2456. Bickley, c. 14, p. 3027. Bickley, c. 7, p. 1478. Bickley, c. 10, p. 2229. Bickley, c. 8, pp. 172, 174, 175, 17610. Bickley, c. 12, p. 28011. Bickley, c. 9, p. 20912. Bickley, c. 11, pp. 249, 25013. Bickley, c. 1, p. 1414. Bickley, c. 12, p. 27815. Bickley, c. 10, p. 22916. Bickley, c. 3, p. 6217. Bickley, c. 8, pp. 184-18518. Bickley, c. 6, pp. 123, 124, 125-12619. Bickley, c. 11, pp. 237, 24320. Bickley, c. 5, p. 10421. Bickley, c. 4, pp. 76-7722. Bickley, c. 7, pp. 141, 142, 143-14423. Bickley, c. 2, pp. 30-3124. Bickley, c. 8, p. 16125. Bickley, c. 6, p. 13126. Bickley, c. 12, p. 27327. Bickley, c. 10, pp. 219-220, 221, 22328. Bickley, c. 13, pp. 297-29829. Bickley, c. 2, p. 3930. Bickley, c. 9, pp. 206-20731. Bickley, c. 2, pp. 37-3832. Bickley, c. 1, pp. 21-2233. Bickley, c. 3, pp. 68, 6934. Bickley, c. 5, p. 10135. Bickley, c. 8, p. 16336. Bickley, c. 4, pp. 78-7937. Bickley, c. 6, p. 13038. Bickley, c. 11, p. 243 39. Bickley, c. 13, pp. 291, 29240. Bickley, c. 9, p. 19141. Bickley, c. 10, p. 22442. Bickley, c. 2, p. 4143. Bickley, c. 3, p. 6044. Bickley, c. 11, p. 25245. Bickley, c. 13, p. 29346. Bickley, c. 7, p. 15347. Bickley, c. 6, p. 13248. Bickley, c. 4, pp. 77-7849. Bickley, c. 5, pp. 106-10750. Bickley, c. 12, pp. 279, 28151. Bickley, c. 9, pp. 200-202; c. 8,pp. 162-16352. Bickley, c. 14, p. 31453. Bickley, c. 1, p. 1154. Bickley, c. 3, p. 6655. Bickley, c. 10, p. 22756. Bickley, c. 5, p. 9857. Bickley, c. 12, p. 26958. Bickley, c. 14, pp. 305, 307-30959. Bickley, c. 9, p. 19760. Bickley, c. 4, p. 7561. Bickley, c. 10, p. 21462. Bickley, c. 2, p. 4963. Bickley, c. 5, p. 11164. Bickley, c. 14, pp. 310-31165. Bickley, c. 12, p. 27466. Bickley, c. 11, p. 23967. Bickley, c. 2, pp. 32, 3468. Bickley, c. 9, p. 20569. Bickley, c. 7, p. 14570. Bickley, c. 5, p. 11571. Bickley, c. 8, p. 18472. Bickley, c. 6, p. 12473. Bickley, c. 7, pp. 148-150, 15274. Bickley, c. 1, p. 475. Bickley, c. 2, p. 48Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Insurance Company Operations, Second Edition (2005); Orsina and Stone (O&S) Test Preparation Guide for LOMA 290, Second Edition (2005); LOMA1. O&S, c. 15, p. 3652. O&S, c. 11, p. 2683. O&S, c. 5, pp. 111, 112, 1134. O&S, c. 13, pp. 310, 3115. O&S, c. 10, p. 2396. O&S, c. 4, pp. 92-937. O&S, c. 9, p. 2128. O&S, c. 7, p. 1539. O&S, c. 16, p. 39410. O&S, c. 3, p. 6511. O&S, c. 5, p. 10312. O&S, c. 10, p. 24613. O&S, c. 15, p. 36114. O&S, c. 1, p. 1315. O&S, c. 6, p. 13716. O&S, c. 7, p. 15717. O&S, c. 4, p. 8818. O&S, c. 15, p. 37019. O&S, c. 7, pp. 154-15620. O&S, c. 1, p. 1221. O&S, c. 10, p. 23522. O&S, c. 10, p. 25423. O&S, c. 12, p. 29424. O&S, c. 2, p. 2825. O&S, c. 14, p. 33826. O&S, c. 8, p. 18127. O&S, c. 17, p. 42428. O&S, c. 8, p. 19229. O&S, c. 12, pp. 304-30530. O&S, c. 4, pp. 83, 84-8531. O&S, c. 10, p. 23732. O&S, c. 13, pp. 315, 324; c. 9, p. 22033. O&S, c. 8, p. 18034. O&S, c. 10, p. 23435. O&S, c. 3, p. 5636. O&S, c. 9, p. 20637. O&S, c. 14, p. 33938. O&S, c. 17, p. 419 39. O&S, c. 16, p. 38740. O&S, c. 2, pp. 31-3241. O&S, c. 3, p. 4942. O&S, c. 8, p. 17643. O&S, c. 14, p. 34544. O&S, c. 4, p. 8745. O&S, c. 6, p. 14046. O&S, c. 7, p. 16847. O&S, c. 18, p. 43848. O&S, c. 13, p. 31749. O&S, c. 10, pp. 231, 23250. O&S, c. 11, p. 26451. O&S, c. 15, p. 36952. O&S, c. 17, pp. 411-41253. O&S, c. 5, p. 10754. O&S, c. 13, pp. 312-31355. O&S, c. 8, p. 18856. O&S, c. 12, pp. 291-29257. O&S, c. 9, p. 21658. O&S, c. 10, p. 24059. O&S, c. 13, p. 31860. O&S, c. 16, p. 40261. O&S, c. 3, p. 6762. O&S, c. 1, p. 663. O&S, c. 7, p. 15164. O&S, c. 14, pp. 342-34365. O&S, c. 17, p. 41766. O&S, c. 10, p. 22767. O&S, c. 12, pp. 295-29668. O&S, c. 13, p. 32869. O&S, c. 18, p. 43470. O&S, c. 6, p. 13271. O&S, c. 11, p. 25972. O&S, c. 11, p. 27673. O&S, c. 10, p. 24474. O&S, c. 16, p. 39175. O&S, c. 4, pp. 81-82Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Insurance Administration, Third Edition (2008); Bickley, Brown, Falk, Orsina, and Paige (BBFOP) Test Preparation Guide for LOMA 301, Third Edition (2008); LOMA1. BBFOP, c. 1, p. 32. BBFOP, c. 4, p. 1073. BBFOP, c. 14, pp. 368, 3694. BBFOP, c. 13, p. 3545. BBFOP, c. 7, p. 1926. BBFOP, c. 1, pp. 12, 18-197. BBFOP, c. 7, pp. 196, 197, 1988. BBFOP, c. 14, pp. 381-3829. BBFOP, c. 6, p. 15610. BBFOP, c. 7, pp. 171, 19011. BBFOP, c. 6, pp. 150, 157-158, 160-161,16312. BBFOP, c. 14, pp. 368-36913. BBFOP, c. 5, pp. 128, 13314. BBFOP, c. 17, p. 38515. BBFOP, c. 9, p. 23716. BBFOP, c. 10, p. 26317. BBFOP, c. 9, p. 23018. BBFOP, c. 9, pp. 240, 24119. BBFOP, c. 10, p. 273; c. 9, p. 23520. BBFOP, c. 10, pp. 265-26621. BBFOP, c. 10, pp. 284, 28522. BBFOP, c. 9, p. 23523. BBFOP, c. 10, pp. 280-281, 28224. BBFOP, c. 9, p. 23325. BBFOP, c. 14, p. 37126. BBFOP, c. 17, pp. 450, 453-45427. BBFOP, c. 6, pp. 145-14628. BBFOP, c. 14, pp. 376-37729. BBFOP, c. 14, p. 38430. BBFOP, c. 2, p. 3731. BBFOP, c. 17, pp. 461-46232. BBFOP, c. 8, pp. 207, 21433. BBFOP, c. 15, p. 40334. BBFOP, c. 3, pp. 76, 78-79; c. 14, p. 363;c. 17, p. 45935. BBFOP, c. 4, pp. 99, 101, 103, 10436. BBFOP, c. 16, p. 43237. BBFOP, c. 7, p. 17638. BBFOP, c. 5, pp. 137-138 39. BBFOP, c. 12, pp. 326-327, 32940. BBFOP, c. 13, p. 35141. BBFOP, c. 11, p. 31342. BBFOP, c. 7, p. 18243. BBFOP, c. 15, p. 40444. BBFOP, c. 6, p. 168; c. 13, p. 35845. BBFOP, c. 17, p. 47046. BBFOP, c. 13, pp. 344-34547. BBFOP, c. 5, pp. 131, 13248. BBFOP, c. 13, p. 34749. BBFOP, c. 12, pp. 330-33150. BBFOP, c. 3, p. 6251. BBFOP, c. 8, pp. 214-21552. BBFOP, c. 13, p. 35253. BBFOP, c. 8, p. 21054. BBFOP, c. 13, pp. 340, 348-34955. BBFOP, c. 5, p. 12656. BBFOP, c. 16, pp. 423, 424-42557. BBFOP, c. 1, pp. 9, 1058. BBFOP, c. 4, pp. 92, 94-9559. BBFOP, c. 6, pp. 163-164; c. 3, pp. 73-7460. BBFOP, c. 7, pp. 187, 189-19061. BBFOP, c. 3, p. 6762. BBFOP, c. 15, p. 41263. BBFOP, c. 2, pp. 42-4464. BBFOP, c. 11, p. 30965. BBFOP, c. 5, p. 13566. BBFOP, c. 3, p. 7167. BBFOP, c. 8, p. 22068. BBFOP, c. 6, p. 16669. BBFOP, c. 14, p. 37470. BBFOP, c. 3, p. 6071. BBFOP, c. 11, pp. 290, 29272. BBFOP, c. 8, pp. 220-22173. BBFOP, c. 3, pp. 84-8574. BBFOP, c. 8, pp. 202-20375. BBFOP, c. 2, p. 42; c. 5, p. 126Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Personal Financial Planning (2008); FalkTest Preparation Guide for LOMA 305 (2008); LOMA1. Falk, c. 2, p. 552. Falk, c. 7, p. 2103. Falk, c. 6, p. 1784. Falk, c. 8, pp. 236, 2445. Falk, c. 4, p. 1276. Falk, c. 10, p. 3087. Falk, c. 1, pp. 23-24, 25, 278. Falk, c. 6, p. 1809. Falk, c. 2, p. 5410. Falk, c. 6, p. 18311. Falk, c. 2, p. 4812. Falk, c. 3, p. 8213. Falk, c. 10, pp. 324-325, 33014. Falk, c. 3, p. 9415. Falk, c. 4, p. 11816. Falk, c. 9, p. 29017. Falk, c. 5, pp. 152-15318. Falk, c. 9, p. 28219. Falk, c. 3, pp. 76-7820. Falk, c. 2, p. 6521. Falk, c. 7, p. 22722. Falk, c. 10, p. 33323. Falk, c. 2, pp. 56-5724. Falk, c. 10, p. 31025. Falk, c. 5, pp. 144-14626. Falk, c. 6, p. 18627. Falk, c. 11, p. 34528. Falk, c. 11, pp. 361-36229. Falk, c. 8, pp. 240-241, 24230. Falk, c. 10, p. 33431. Falk, c. 9, p. 29632. Falk, c. 7, pp. 207-20933. Falk, c. 2, pp. 63-6434. Falk, c. 4, p. 12235. Falk, c. 3, p. 8236. Falk, c. 11, p. 36437. Falk, c. 6, pp. 168, 169, 171, 172, 17638. Falk, c. 11, pp. 340-341 39. Falk, c. 5, pp. 143, 14540. Falk, c. 4, p. 12441. Falk, c. 5, p. 14342. Falk, c. 8, p. 24543. Falk, c. 3, p. 8644. Falk, c. 4, p. 11645. Falk, c. 8, pp. 253, 25546. Falk, c. 4, pp. 109, 110, 111, 11247. Falk, c. 6, p. 17948. Falk, c. 8, p. 25149. Falk, c. 5, pp. 147, 148, 15050. Falk, c. 3, p. 9851. Falk, c. 10, p. 30952. Falk, c. 9, p. 29853. Falk, c. 6, p. 18954. Falk, c. 6, p. 19255. Falk, c. 8, p. 26056. Falk, c. 7, p. 22557. Falk, c. 2, p. 6658. Falk, c. 1, pp. 33, 36-3959. Falk, c. 7, p. 21660. Falk, c. 5, pp. 154-15661. Falk, c. 5, pp. 136, 140, 14162. Falk, c. 11, p. 35363. Falk, c. 11, p. 34364. Falk, c. 11, p. 34265. Falk, c. 8, p. 24666. Falk, c. 9, pp. 291-29267. Falk, c. 7, pp. 217-21868. Falk, c. 5, p. 15969. Falk, c. 9, p. 28870. Falk, c. 8, p. 24371. Falk, c. 10, p. 32672. Falk, c. 7, p. 20773. Falk, c. 9, p. 29474. Falk, c. 3, pp. 82, 88, 8975. Falk, c. 8, p. 256Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Business Law for Financial Services Professionals (2004); Jones Test Preparation Guide for LOMA 311 (2004); LOMA1. Jones, c. 10, pp. 201-2022. Jones, c. 1, p. 163. Jones, c. 10, p. 199-200; c. 5, p. 954. Jones, c. 10, p. 2165. Jones, c. 7, p. 1276. Jones, c. 7, pp. 129-1307. Jones, c. 5, p. 92; c. 10, p. 1988. Jones, c. 2, p. 379. Jones, c. 8, pp. 167, 168-16910. Jones, c. 11, p. 22411. Jones, c. 2, p. 3112. Jones, c. 2, p. 2513. Jones, c. 2, pp. 34-3514. Jones, c. 11, p. 22715. Jones, c. 8, p. 15516. Jones, c. 12, pp. 262-26317. Jones, c. 12, p. 25718. Jones, c. 6, p. 11119. Jones, c. 13, p. 27620. Jones, c. 13, pp. 269, 27121. Jones, c. 14, p. 29222. Jones, c. 14, p. 29223. Jones, c. 11, p. 23124. Jones, c. 1, pp. 5, 625. Jones, c. 4, p. 7226. Jones, c. 13, pp. 273-27427. Jones, c. 9, p. 17428. Jones, c. 3, p. 4529. Jones, c. 5, pp. 105-10630. Jones, c. 9, p. 17331. Jones, c. 7, p. 13732. Jones, c. 7, p. 14133. Jones, c. 11, p. 23734. Jones, c. 2, p. 2535. Jones, c. 15, p. 31036. Jones, c. 9, p. 17737. Jones, c. 10, p. 20638. Jones, c. 1, pp. 13-15 39. Jones, c. 7, p. 13140. Jones, c. 3, p. 5041. Jones, c. 3, p. 5842. Jones, c. 15, pp. 327, 332-33343. Jones, c. 1, p. 8-944. Jones, c. 4, p. 7545. Jones, c. 15, pp. 311, 31246. Jones, c. 12, p. 25047. Jones, c. 10, p. 20448. Jones, c. 7, pp. 131-13249. Jones, c. 8, pp. 163, 16450. Jones, c. 9, p. 18951. Jones, c. 4, p. 7352. Jones, c.11, pp. 223-22553. Jones, c. 6, p. 11454. Jones, c. 9, p. 19155. Jones, c. 15, p. 32456. Jones, c. 8, p. 15457. Jones, c. 5, p. 8858. Jones, c. 6, pp. 121-12359. Jones, c. 15, p. 31660. Jones, c. 9, p. 17761. Jones, c. 3, pp. 55-5662. Jones, c. 9, pp. 182-18463. Jones, c. 5, pp. 95-9664. Jones, c. 14, pp. 297-29965. Jones, c. 4, pp. 79, 8066. Jones, c. 6, pp. 109, 11567. Jones, c. 13, p. 284; c. 2, p. 3868. Jones, c. 8, p. 15369. Jones, c. 14, pp. 300-30170. Jones, c. 12, p. 25471. Jones, c. 4, p. 6872. Jones, c. 3, pp. 49-5073. Jones, c. 15, p. 31574. Jones, c. 5, p. 8975. Jones, c. 5, p. 87; c. 10, p. 198Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Life and Health Insurance Marketing, Third Edition (2003); Allen, Bickley, Goodwin, Herrod, and Leeuwenburg (ABGHL)Prep Pak for FLMI 320 (2003); LOMA1. ABGHL, c. 11, pp. 233, 2342. ABGHL, c. 1, pp. 5-63. ABGHL, c. 13, p. 2924. ABGHL, c. 19, p. 4305. ABGHL, c. 12, p. 2666. ABGHL, c. 5, pp. 114, 1157. ABGHL, c. 6, p. 1298. ABGHL, c. 11, p. 2339. ABGHL, c. 7, pp. 143, 14710. ABGHL, c. 16, p. 36211. ABGHL, c. 3, pp. 72-7312. ABGHL, c. 18, pp. 399, 400, 40113. ABGHL, c. 14, p. 32014. ABGHL, c. 21, p. 48915. ABGHL, c. 15, p. 33416. ABGHL, c. 18, pp. 410-41217. ABGHL, c. 5, p. 10218. ABGHL, c. 3, p. 5219. ABGHL, c. 20, p. 44320. ABGHL, c. 15, pp. 341-34221. ABGHL, c. 9, p. 19722. ABGHL, c. 12, pp. 255-25623. ABGHL, c. 7, p. 16024. ABGHL, c. 7, pp. 159-16025. ABGHL, c. 15, p. 34226. ABGHL, c. 18, pp. 403-40427. ABGHL, c. 20, p. 46328. ABGHL, c. 3, p. 5729. ABGHL, c. 15, pp. 348-34930. ABGHL, c. 13, p. 28831. ABGHL, c. 15, p. 33532. ABGHL, c. 14, p. 31233. ABGHL, c. 10, pp. 218, 21934. ABGHL, c. 5, p. 10735. ABGHL, c. 5, p. 10936. ABGHL, c. 6, p. 13437. ABGHL, c. 5, pp. 115-11638. ABGHL, c. 16, p. 367 39. ABGHL, c. 7, p. 15340. ABGHL, c. 1, pp. 6, 9; c. 12, p. 25141. ABGHL, c. 21, pp. 481-48242. ABGHL, c. 17, p. 38843. ABGHL, c. 19, pp. 425, 42644. ABGHL, c. 10, p. 21045. ABGHL, c. 14, p. 30946. ABGHL, c. 12, p. 26447. ABGHL, c. 18, p. 39748. ABGHL, c. 11, p. 23349. ABGHL, c. 15, p. 34750. ABGHL, c. 4, p. 9551. ABGHL, c. 15, p. 33352. ABGHL, c. 16, p. 35853. ABGHL, c. 19, p. 43154. ABGHL, c. 20, pp. 471, 47255. ABGHL, c. 16, p. 37856. ABGHL, c. 9, pp. 187-18857. ABGHL, c. 20, pp. 451-45258. ABGHL, c. 13, pp. 296-29759. ABGHL, c. 1, p. 1560. ABGHL, c. 9, pp. 186, 18961. ABGHL, c. 13, pp. 281, 29962. ABGHL, c. 13, pp. 302-30363. ABGHL, c. 15, p. 35164. ABGHL, c. 2, p. 3165. ABGHL, c. 18, p. 40766. ABGHL, c. 14, p. 31367. ABGHL, c. 2, pp. 21, 25-2668. ABGHL, c. 17, pp. 383-384; c. 5, p. 11569. ABGHL, c. 1, p. 7; c. 15, pp. 337, 34070. ABGHL, c. 2, pp. 28-2971. ABGHL, c. 2, pp. 42, 44; c. 7, p. 16272. ABGHL, c. 20, p. 45273. ABGHL, c. 14, p. 31774. ABGHL, c. 3, p. 5475. ABGHL, c. 8, p. 177Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Financial Services Marketing (2005); Leeuwenburg Test Preparation Guide for LOMA 326 (2005); LOMA1. Leeuwenburg, c. 13, p. 2812. Leeuwenburg, c. 12, pp. 255-2563. Leeuwenburg, c. 10, p. 2234. Leeuwenburg, c. 9, p. 1975. Leeuwenburg, c. 2, p. 406. Leeuwenburg, c. 1, pp. 5, 67. Leeuwenburg, c. 15, p. 3328. Leeuwenburg, c. 2, p. 419. Leeuwenburg, c. 14, pp. 306, 308-309,314-31510. Leeuwenburg, c. 10, p. 21811. Leeuwenburg, c. 14, p. 31312. Leeuwenburg, c. 6, p. 12513. Leeuwenburg, c. 11, p. 23814. Leeuwenburg, c. 11, pp. 242-243, 244,24615. Leeuwenburg, c. 3, p. 6616. Leeuwenburg, c. 15, pp. 342-34317. Leeuwenburg, c. 15, p. 33618. Leeuwenburg, c. 13, p. 29119. Leeuwenburg, c. 15, p. 344; c. 6, p. 11120. Leeuwenburg, c. 12, p. 25821. Leeuwenburg, c. 14, p. 30022. Leeuwenburg, c. 9, p. 18423. Leeuwenburg, c. 9, p. 18824. Leeuwenburg, c. 8, pp. 167, 16825. Leeuwenburg, c. 13, pp. 290-29126. Leeuwenburg, c. 15, p. 34627. Leeuwenburg, c. 12, p. 26628. Leeuwenburg, c. 13, p. 28729. Leeuwenburg, c. 3, p. 5830. Leeuwenburg, c. 5, p. 10131. Leeuwenburg, c. 11, p. 24732. Leeuwenburg, c. 8, pp. 168, 169, 170-17133. Leeuwenburg, c. 7, p. 14334. Leeuwenburg, c. 10, p. 20535. Leeuwenburg, c. 12, p. 26736. Leeuwenburg, c. 6, pp. 116-11837. Leeuwenburg, c. 5, p. 10038. Leeuwenburg, c. 7, p. 135 39. Leeuwenburg, c. 12, pp. 253, 25440. Leeuwenburg, c. 2, pp. 47, 4841. Leeuwenburg, c. 10, p. 21742. Leeuwenburg, c. 12, pp. 256, 260; c. 13,pp. 290-29143. Leeuwenburg, c. 13, p. 27644. Leeuwenburg, c. 11, p. 23945. Leeuwenburg, c. 13, p. 27746. Leeuwenburg, c. 10, p. 21347. Leeuwenburg, c. 8, p. 16348. Leeuwenburg, c. 6, p. 11249. Leeuwenburg, c. 10, pp. 221-22250. Leeuwenburg, c. 8, p. 16051. Leeuwenburg, c. 14, p. 32152. Leeuwenburg, c. 5, pp. 94-95, 9653. Leeuwenburg, c. 1, p. 454. Leeuwenburg, c. 11, p. 23455. Leeuwenburg, c. 2, p. 3956. Leeuwenburg, c. 14, p. 324; c. 12,pp. 255, 25757. Leeuwenburg, c. 11, p. 24058. Leeuwenburg, c. 11, p. 24059. Leeuwenburg, c. 1, pp. 5, 760. Leeuwenburg, c. 8, p. 16561. Leeuwenburg, c. 10, p. 20862. Leeuwenburg, c. 14, p. 32263. Leeuwenburg, c. 6, p. 12164. Leeuwenburg, c. 4, pp. 83-8465. Leeuwenburg, c. 6, p. 12466. Leeuwenburg, c. 1, pp. 27-2867. Leeuwenburg, c. 5, p. 8968. Leeuwenburg, c. 11, pp. 232-23369. Leeuwenburg, c. 14, p. 32870. Leeuwenburg, c. 10, p. 21071. Leeuwenburg, c. 11, p. 24772. Leeuwenburg, c. 7, p. 14773. Leeuwenburg, c. 1, p. 1174. Leeuwenburg, c. 6, p. 12775. Leeuwenburg, c. 7, p. 144Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Management Principles and Practices, Third Edition (2007); KreitnerStatistics and Decision Sciences in Information Management, Second Edition (2007); Mulligan Test Preparation Guide for LOMA 330 (2007); LOMA1. Kreitner, c. 13, pp. 398-3992. Kreitner, c. 14, p. 4253. Kreitner, c. 17, p. 5264. Kreitner, c. 12, p. 3555. Kreitner, c. 15, p. 4526. Kreitner, c. 5, p. 1277. Kreitner, c. 15, p. 4618. Kreitner, c. 8, p. 237; c. 17, p. 522;Mulligan, c. 5, p. 1289. Kreitner, c. 7, p. 19510. Kreitner, c. 9, p. 25311. Kreitner, c. 9, pp. 267-26812. Kreitner, c. 12, p. 36113. Kreitner, c. 11, p. 31714. Kreitner, c. 8, pp. 234-23515. Kreitner, c. 16, p. 48016. Kreitner, c. 4, p. 11117. Kreitner, c. 11, p. 32718. Kreitner, c. 14, pp. 411-41219. Kreitner, c. 2, p. 40; c. 17, p. 52220. Kreitner, c. 16, p. 48321. Kreitner, c. 10, pp. 284-28522. Kreitner, c. 9, pp. 266-26723. Kreitner, c. 8, p. 23824. Kreitner, c. 10, pp. 289-29025. Kreitner, c. 3, p. 8226. Kreitner, c. 12, pp. 345-34627. Kreitner, c. 15, p. 43928. Kreitner, c. 10, p. 29729. Kreitner, c. 10, pp. 286-28730. Kreitner, c. 7, pp. 199, 20031. Kreitner, c. 8, p. 22032. Kreitner, c. 1, p. 14; c. 17, pp. 501-50233. Kreitner, c. 14, p. 42334. Kreitner, c. 13, pp. 388-389, 39635. Kreitner, c. 2, pp. 45-46; c. 9, pp. 259-26036. Kreitner, c. 10, p. 30237. Kreitner, c. 2, p. 5038. Kreitner, c. 15, pp. 441-442 39. Kreitner, c. 9, p. 25840. Kreitner, c. 6, p. 17041. Kreitner, c. 12, p. 34742. Kreitner, c. 11, p. 32143. Kreitner, c. 4, p. 9744. Kreitner, c. 6, pp. 155-15645. Kreitner, c. 3, p. 8146. Kreitner, c. 15, pp. 449-45047. Kreitner, c. 13, pp. 394-39548. Kreitner, c. 13, pp. 390-39149. Kreitner, c. 14, pp. 420-42150. Kreitner, c. 14, p. 41451. Kreitner, c. 13, pp. 382-383, 39252. Kreitner, c. 8, pp. 221, 22553. Kreitner, c. 11, p. 32654. Kreitner, c. 5, pp. 139, 140-14255. Kreitner, c. 7, p. 20756. Kreitner, c. 17, p. 51457. Kreitner, c. 17, p. 51458. Kreitner, c. 16, p. 470; c. 17, p. 52059. Kreitner, c. 5, pp. 138-13960. Mulligan, c. 2, pp. 50-51, 52-5361. Mulligan, c. 1, p. 1362. Mulligan, c. 1, p. 5; c. 2, pp. 37-3863. Mulligan, c. 4, p. 103; Kreitner, c. 6, p. 17464. Mulligan, c. 2, p. 4165. Mulligan, c. 1, pp. 7-8, 966. Mulligan, c. 5, pp. 121-12267. Mulligan, c. 3, p. 6668. Mulligan, c. 5, p. 12269. Mulligan, c. 3, pp. 70-7370. Mulligan, c. 4, p. 11171. Mulligan, c. 3, pp. 83-8572. Mulligan, c. 5, p. 12973. Mulligan, c. 4, pp. 95-97; Kreitner, c. 6,pp. 176-17774. Mulligan, c. 2, pp. 48-4975. Mulligan, c. 2, pp. 38-39Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Financial Markets and Institutions, Second Edition (2004); Burton, Nesiba, and Lombra (BNL) Intro to Economics (1998); Johnson and Stone (J&S)Test Preparation Guide for LOMA 351 (2004); LOMA1. BNL, c. 2, p. 342. BNL, c. 9, p. 1813. BNL, c. 1, pp. 14-154. BNL, c. 18, pp. 401-4025. BNL, c. 3, p. 466. BNL, c. 8, pp. 154, 159, 161, 169, 1717. BNL, c. 13, p. 2948. BNL, c. 5, p. 1049. BNL, c. 15, p. 33810. BNL, c. 17, p. 37311. BNL, c. 3, p. 5812. BNL, c. 5, pp. 92-9313. BNL, c. 10, pp. 206-20614. BNL, c. 12, p. 25515. BNL, c. 5, pp. 90-9116. BNL, c. 12, pp. 265-26617. BNL, c. 17, pp. 381-38218. BNL, c. 16, p. 34819. BNL, c. 1, p. 1020. BNL, c. 5, p. 10121. BNL, c. 13, p. 27822. BNL, c. 15, pp. 322, 32523. BNL, c. 6, pp. 112-11324. BNL, c. 8, p. 16425. BNL, c. 10, pp. 217-21826. BNL, c. 16, pp. 348, 35027. BNL, c. 2, p. 2628. BNL, c. 4, p. 7529. BNL, c. 3, p. 4930. BNL, c. 12, p. 26231. BNL, c. 9, p. 18232. BNL, c. 4, pp. 67, 68-69, 70-71, 7933. BNL, c. 16, p. 35134. BNL, c. 14, p. 30235. BNL, c. 4, p. 77; c. 2, p. 3336. BNL, c. 13, p. 286; c. 12, p. 27037. BNL, c. 5, p. 9538. BNL, c. 14, p. 314 39. BNL, c. 16, p. 35340. BNL, c. 4, pp. 72-7441. BNL, c. 11, p. 22942. BNL, c. 14, p. 314-31543. BNL, c. 18, p. 39844. BNL, c. 5, pp. 104, 10545. BNL, c. 15, p. 32846. BNL, c. 9, pp. 192-19347. BNL, c. 7, pp. 138-14148. BNL, c. 9, p. 18449. BNL, c. 13, pp. 277, 27850. BNL, c. 16, p. 34651. BNL, c. 6, pp. 123-12452. BNL, c. 9, pp. 188-189; c. 3, pp. 55-5653. BNL, c. 12, pp. 260-26154. BNL, c. 6, pp. 125-12655. BNL, c. 11, pp. 233-23456. BNL, c. 10, pp. 202, 203, 224; c. 3, p. 5357. BNL, c. 7, pp. 134-13558. BNL, c. 10, p. 21359. BNL, c. 14, pp. 305, 30660. BNL, c. 15, pp. 336-33761. BNL, c. 10, pp. 209-21262. BNL, c. 13, p. 29263. BNL, c. 8, p. 15764. BNL, c. 9, pp. 192-19365. BNL, c. 8, p. 164; c. 3, p. 4966. BNL, c. 11, pp. 229-230, 23267. J&S, c. 7, p. 7768. J&S, c. 1, p. 769. J&S, c. 5, p. 4770. J&S, c. 2, pp. 14-1671. J&S, c. 7, pp. 72-7372. J&S, c. 3, p. 2473. J&S, c. 6, pp. 60-6374. J&S, c. 4, pp. 35-3675. J&S, c. 4, p. 34Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@Fundamentals of Investing (2004); Gitman and Joehnk (G&J) Introduction to Institutional Investing (2004); ConantTest Preparation Guide for LOMA 356 (2004); LOMA1. G&J, c. 1, pp. 3-42. G&J, c. 6, pp. 184-1853. G&J, c. 9, p. 2924. G&J, c. 2, p. 415. G&J, c. 5, pp. 144-1476. G&J, c. 5, pp. 134, 1517. G&J, c. 11, p. 3608. G&J, c. 1, pp. 10, 17-18; c. 4, p. 101;Conant, c. 6, pp. 144-1459. G&J, c. 10, pp. 323, 32510. G&J, c. 9, p. 29311. G&J, c. 9, p. 29712. G&J, c. 6, p. 19213. G&J, c. 11, p. 37314. G&J, c. 1, p. 1115. G&J, c. 3, p. 7716. G&J, c. 4, p. 119; c. 8, pp. 260-26117. G&J, c. 8, p. 27918. G&J, c. 10, p. 33419. G&J, c. 1, pp. 21-2220. G&J, c. 11, pp. 361, 36521. G&J, c. 4, p. 10622. G&J, c. 7, pp. 226-22723. G&J, c. 7, p. 23024. G&J, c. 7, p. 23225. G&J, c. 4, p. 123; c. 9, p. 28726. G&J, c. 6, p. 20427. G&J, c. 8, p. 27328. G&J, c. 10, p. 32929. G&J, c. 2, pp. 31, 3530. G&J, c. 8, p. 24431. G&J, c. 6, pp. 176, 17832. G&J, c. 3, p. 8733. G&J, c. 9, pp. 306-30734. G&J, c. 10, p. 33335. G&J, c. 2, pp. 47-4936. G&J, c. 4, pp. 126-12837. G&J, c. 7, pp. 209, 22038. G&J, c. 9, p. 294 39. G&J, c. 2, p. 3440. G&J, c. 3, p. 8741. G&J, c. 5, p. 147; c. 8, p. 25042. G&J, c. 7, pp. 221-22243. G&J, c. 2, p. 3944. G&J, c. 4, p. 11145. G&J, c. 6, p. 186; c. 7, pp. 233-23446. G&J, c. 9, p. 297; Conant, c. 6, pp. 142,14447. G&J, c. 2, pp. 50, 5348. G&J, c. 5, pp. 154-15549. G&J, c. 10, pp. 326-32750. G&J, c. 4, pp. 115-11651. G&J, c. 2, p. 5652. G&J, c. 8, p. 25353. Conant, c. 2, pp. 36-3754. Conant, c. 6, pp. 134-13555. Conant, c. 8, p. 19956. Conant, c. 2, p. 4257. Conant, c. 4, pp. 89, 9158. Conant, c. 6, pp. 145-14659. Conant, c. 7, pp. 173-17460. Conant, c. 8, p. 19361. Conant, c. 3, pp. 66-6762. Conant, c. 1, p. 763. Conant, c. 4, pp. 95-9664. Conant, c. 8, pp. 187-18865. Conant, c. 6, p. 149; G&J, c. 1, p. 1066. Conant, c. 4, pp. 87-8867. Conant, c. 6, p. 139; G&J, c. 1, pp. 11-1268. Conant, c. 4, pp. 101, 10269. Conant, c. 3, pp. 78-7970. Conant, c. 7, p. 17471. Conant, c. 5, pp. 118-11972. Conant, c. 1, p. 673. Conant, c. 8, pp. 190-19174. Conant, c. 6, p. 13675. Conant, c. 4, p. 87; G&J, c. 2, p. 31Copyright © 2008 LOMA. All rights reserved.For additional information on text references, contact the Office of the Registrar at 770-984-3761 orE-mail: education@。

绝密★启用前2008年全国硕士研究生入学统一考试管理类专业学位联考英语试卷考生需知1.选择题的答案需用2B铅笔填涂在答题卡上，其它笔填涂的或做在试卷或其它类型答题卡上的答案无效。

2.其它题一律用蓝色或黑色钢笔或圆珠笔在答题纸上按规定要求作答，凡做在试卷上或未做在制定位置的答案无效。

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否则，所产生的一切后果由考生自负。

Section I Vocabulary (10 points)Directions: There are 20 incomplete sentences in this section. For each sentence there are four choices marked A, B, C, and D. Choose the best one to complete the sentence, Then blacken the corresponding letter on the ANSWER SHEET with a pencil.1. Oil is an important ___ material which can be processed into many different products, including plastics.fertileflexible D.raw B.A.bleak C.2. The high living standards of the US cause its present population to____ 25 percent of the world’s oil.presumeconsume C.resume D.assume B.A.3. You shouldn’t be so ____ I didn't mean anything bad in what I said.sophisticatedsensitive D.A.sentimental B.sensible C.4. Picasso was an artist who fundamentally changed the ____ of art for later generations.themeA.viewpoint D.philosophy B.concept C.5. Member states had the option to ____ from this agreement with one year’s notice.suspect D.object C.withdrawA.deny B.6. The two countries achieved some progress in the sphere of trade relations, traditionally a source of ____ irritation.parallelneutral D.A.mutual B.optional C.7. Williams had not been there during the ____ moments when the kidnapping had taken place.A.vital D.unique superior B.rigorous C.8. Travel around Japan today, and one sees foreign residents holding a wide ___ of jobs.C.scale D.areafieldrange B.A.9. Modern manufacturing had ___ a global river of materials into a stunning array of new products.A. translatedB. transformedC. transferredD. transported10. Lightning has been the second largest storm killer in the US over the past 40 years and is ____ only by flood.excludedextendedD.excelled C.A.exceeded B.11. Voices were ____ as the argument between the two motorists became more bad-tempered.raiseddeveloped D.A.swollen B.increased C.12. Some sufferers will quickly be restored to perfect health, ____ others will take a longer time.whereaswhere C.when D.which B.A.13. My brother likes eating very much but he isn't very ____ about the food he eats.particular D.peculiar C.unusualA.special B.14. Britain might still be part of France of it weren't ____ a disastrous flood 200,000years ago, according to scientists from Imperial College in London.in D.forwith C.A.upon B.15. The Water Prize is an international award that ____outstanding contributions towards solving global water problems.requires C.relaysreleases D.A.recognizes B.16. In its 14 years of ____ , the European Union has earned the scorn of its citizens and skepticism from the United States.existence D.eminence endurance B.A.emergence C.17. His excuse for being late this morning was his car had ____ in the snow.A. started upB. got stuckC. set backD. stood by18.________widespread belief, cockroaches(蟑螂)would not take over the world if there were no one around to step on them.A. In view ofB. Thanks toC. In case ofD. Contrary to19. Consciously or not, ordinary citizens and government bureaucrats still _____the notion that Japanese society is a unique culture.A. fit in withB. look down onC. cling toD. hold back20. As you can see by yourself, things ______to be exactly as the professor had foreseen.A. turned inB. turned outC. turned upD. turned downSection II Cloze (10 Points)Directions: For each numbered blank in the following passage, there are four choices marked A, B, C, and D. Choose the best one and blacken the corresponding letter on the ANSWER SHEET with a pencil.Olympic Games are held every four years at a different site, in which athletes __21__ different nations compete against each other in a __22__ of sports. There are two types of Olympics, the Summer Olympics and the Winter Olympics.In order to __23__ the Olympics, a city must submit a proposal to the International Olympic Committee (IOC). After all proposals have been __24__ , the IOC votes. If no city is successful in gaining a majority in the first vote, the city with the fewest votes is eliminated, and voting continues, with __25__ rounds, until a majority winner is determined. Typically the Games are awarded several years in advance, __26__ the winning city time to prepare for the Games. In selecting the __27__ of the Olympic Games, the IOC considers a number of factors, chief among them which city has, or promises to build, the best facilities, and which organizing committee seems most likely to __28__ the Games effectively.The IOC also __29__ which parts of the world have not yet hosted the Games. __30__ , Tokyo, Japan, the host of the 1964 Summer Games, and Mexico City, Mexico, the host of the 1968 Summer Games, were chosen __31__ to popularize the Olympic movement in Asia and in Latin America.__32__ the growing importance of television worldwide, the IOC in recent years has also taken into __33__ the host city’s time zone. __34__ the Games take place in the United States or Canada, for example, American television networks are willing to pay __35__ higher amounts for television rights because they can broadcast popular events __36__ , in prime viewing hours.__37__ the Games have been awarded, it is the responsibility of the local organizing committee to finance them. This is often done with a portion of the Olympic television __38__ and with corporate sponsorships, ticket sales, and other smaller revenue sources. In many __39__ there is also direct government support.Although many cities have achieved a financial profit by hosting the Games, the Olympics can be financially __40__ . When the revenues from the Games were less than expected, thecity was left with large debts.21. A. in B. for C. of D. from22. A. lot B. number C. variety D. series23. A. host B. take C. run D. organize24. A. supported B. submitted C. substituted D. subordinated25. A. Suggestive B. successful C. successive D. succeeding26. A. letting B. setting C. permitting D. allowing27. A. site B. spot C. location D. place28. A. state B. stage C. start D. sponsor29. A. thinks B. reckons C. considers D. calculates30. A. For instance B. As a result C. In brief D. On the whole31. A. in time B. in part C. in case D. in common32. A. Since B. Because C. As for D. Because of33. A. amount B. account C. accord D. acclaim34. A. However B. Whatever C. Whenever D. Wherever35. A. greatly B. handsomely C. meaningfully D. significantly36. A. live B. living C. alive D. lively37. A. Until B. Unless C. Whether D. Once38. A. incomes B. interests C. revenues D. returns39. A. cases B. conditions C. chances D. circumstances40. A. safe B. risky C. tempting D. feasibleSection III Reading Comprehension (40 points)Directions: There are 4 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C,and D. You should decide on the best choice and blacken the corresponding letter on the ANSWER SHEET with a pencil.Questions 41to 45 are based on the following passage:Last weekend Kyle MacDonald in Montreal threw a party to celebrate the fact that he got his new home in exchange for a red paper clip. Starting a year ago, MacDonald bartered the chip for increasingly valuable stuff, including a camp stove and free rent in a Phoenix flat. Having announced his aim(the house) in advance, MacDonald likely got a boost from techies eager to see the Internet pass this daring test of its networking power. “My whole motto(座右铭) was ‘Start small, think big, and have fun,” says MacDonald, 26, “I really kept my effort on the creative side rather than the business side.”Yet as odd as the MacDonald exchange was, barter is now big business on the Net. This year more than 400, 000 companies worldwide will exchange some ＄10 billion worth of goods and services on a growing number of barter sites . These Web sites allow companies to trade products for a virtual currency, which they can use to buy goods from other members. In Iceland, garment-maker Kapusalan sells a third of its output on the booming Vidskiptanetid exchange, earning virtual moneythat it uses to buy machinery and pay part of employee salaries. The Troc-Services exchange in France offers more than4, 600 services, from math lessons to ironing.This is not a primitive barter system. By creating currencies, the Internet removes a major barrier-what Bob Meyer, publisher of Barter News, calls “the double coincidence of wants.” That is, two parties once not only had to find each other, but also an exchange of goods that both desired. Now, they can price the deal in virtual currency.Barter also helps firms make use of idle capacity. For example, advertising is “hugely bartered” because many media, particularly on the Web, can supply new ad space at little cost. Moreover, Internet ads don’t register in industry-growth statistics, because many exchanges are arranged outside the formal exchanges.Like eBay, most barter sites allow members to “grade” trading partners for honesty, quality and so on . Barter exchanges can allow firms in countries with hyperinflation or non-tradable currencies to enter global trades. Next year, a nonprofit exchange called Quick Lift Two (QL2) plans to open in Nairobi, offering barter deals to 38,000 Kenyan farmers in remote areas. Two small planes will deliver the goods. QL2 director Gacii Waciuma says the farmers are excited to be “liberated from corrupt middlemen.” For them, barter evokes a bright future, not a precapitalist past.41. The word “techies” (Line 4, Para . 1) probably refers to those who are________.A. afraid of technologyB. skilled in technologyC. ignorant of technologyD. incompetent in technology42. Many people may have deliberately helped Kyle because they________.A. were impressed by his creativityB. were eager to identify with his mottoC. liked his goal announced in advanceD. hoped to prove the power of the Internet43. The Internet barter system relies heavily on ______.A. the size of barter sitesB. the use of virtual currencyC. the quality of goods or servicesD. the location of trading companies44. It is implied that Internet advertisements can help .A. companies make more profitB. companies do formal exchangesC. media register in statisticsD. media grade barter sites45. Which of the following is true of QL2 according to the author?A. It is criticized for doing business in a primitive way.B. It aims to deal with hyperinflation in some countries.C. It helps get rid of middlemen in trade and exchange.D. It is intended to evaluate the performance of trading partners.Questions 46 to 50 are based on the following passage:The lives of very few Newark residents are untouched by violence: New Jersey’s biggest city has seen it all. Yet the murder of three young people, who were forced to kneel before being shot in the back of the head in a school playground on August 4th, has shaken the city. A fourth, who survived, was stabbed and shot in the face. The four victims were by all accounts good kids, all enrolled in college, all with a future. But the cruel murder, it seems, has at last forced Newarkers to say they have had enough.Grassroots organizations, like Stop Shootin’, have been flooded with offers of help and support since the killings. Yusef Ismail, its co-founder, says the group has been going door-to-door asking people to sign a pledge of non-violence. They hope to get 50,000 to promise to “stop shootin”, start thinkin’, and keep livin’.” The Newark Community Foundation, which was launched last month, announced on August 14th that it will help pay for Community Eye, a surveillance (监视) system tailored towards gun crime.Cory Booker, who became mayor 13 months ago with a mission to revitalize the city, believes the surveillance program will be the largest camera and audio network in any American city. More than 30 cameras were installed earlier this summer and a further 50 will be installed soon in a seven-square-mile area where 80% of the city’s recent shootings have occurred. And more cameras are planned.When a gunshot is detected, the surveillance camera zooms in on that spot. Similar technologyin Chicago has increased arrests and decreased shootings. Mr Booker plans to announce a comprehensive gun strategy later this week.Mr Booker, as well as church leaders and others, believes(or hopes) that after the murder the city will to longer stand by in coldness, For generations, Newark has been paralyzed by poverty-almost one in three people lives below the poverty line-and growing indifference to crime.Some are skeptical, Steve Malanga of the conservative Manhattan Institute notes that Newark has deep social problems: over 60%of children are in homes without fathers. The school system, taken over by the state in 1995, is a mess, But there is also some cause for hope. Since Mr Booker was elected, there has been a rise in investment and re-zoning for development. Only around 7% of nearby Newark airport workers used to come from Newark: now, a year later, the figure is 30%. Mr Booker has launched a New York-style war on crime. So far this year, crime has fallen 11% and shootings are down 30% (though the murder rate looks likely to match last year’s high).46. What happened in Newark, New Jersey on August 4th?A. The Newark residents witnessed a murderB. Four young people were killed in a school playground.C. The new mayor of Newark took office.D. Four college students fell victim to violence.47. Judging from the context, the “Community Eye” (Line 5, Para.2) isA. a watching system for gun crimeB. a neighborhood protection organizationC. an unprofitable community businessD. a grassroots organization48. We learn from the passage that Newark has all the following problems EXCEPTpoverty D.flood C.indifference violenceA.B.49. Mayor Booker’s efforts against crime seem to be ____.A.fruitlessimpractical C.effective D.idealisticB.50. The best title for passage may be ____.A. Stop Shootin’, Start Thinkin’, and Keep Livin’B. Efforts to Fight against Gun CrimesC. A Mission to Revitalize the CityD. Violent Murders in NewarkQuestions 51 to 55 are based on the following passage:According to a recent survey on money and relationships, 36 per cent of people are keeping a bank account from their partner, While this financial unfaithfulness may appear as distrust in a relationship, in truth it may just be a from of financial protection.With almost half of all marriages ending in divorce, men and women are realizing they need to be financially savvy, regardless of whether they are in a relationship.The financial hardship on individuals after a divorce can be extremely difficult,even more so when children are involved, The lack of permanency in relationships, jobs and family life may be the cause of a growing trend to keep a secret bank account hidden from a partner; in other words, an “escape fund”.Margaret’s story is far from unique. She is a representative of a growing number of women in bong-term relationships who are becoming protective of their own earnings.Every month on pay day, she banks hundreds of dollars into a savings account she keeps from her husband. She has been doing this throughout their six-year marriage and has built a nest egg worth an incredible ＄100，000 on top of her pension.Margaret says if her husband found out about her secret savings he’d hurt and would interpret this as a sign she wasn’t sure of the marriage. “He’d think it was my escape fund so that financially I could afford to get out of the relationship if it went wrong. I know you should approach marriage as being forever and I hope ours is, but you can never be sure.” Like many of her fellow secret savers, Margaret was stung in a former relationship and has since been very guarded about her own money.Coming clean to your partner about being a secret saver may not be all that bad. Take Colleen, for example, who had been saving secretly for a few years before she confessed to her partner. “I decided to open a savings account and start building a nest egg of my own. I wanted to prove to myself that I could put money in the bank and leave it there for a rainy day.”“When John found out about my secret savings, he was a little suspicious of my motives. I reassured him that this was certainly not an escape fund and that I feel very secure in our relationship.I have to admit that it does feel good to have my own money on reserve if ever there are rainy daysin the future. It’s sensible to build and protect your personal financial security.”（from: ）51. The trend to keep a secret bank account is growing because __ .A. “escape fund” helps one through rainy daysB. days are getting harder and harderC. women are money sensitiveD. financial conflicts often occur52. The word “savvy” (Line 2, Para, 2) probably means ____.simpleshrewd D.A.suspicious B.secure C.53. Which inference can we make about Margaret?A. She is a unique womanB. She was once divorcedC. She is going go retireD. She has many children.54. The author mentions Colleen’s example to show ____.A. any couple can avoid marriage conflictsB. privacy within marriage should be respectedC. everyone can save a fortune with a happy marriageD. financial disclosure is not necessarily bad55. Which of the following best summarizes this passage?A. Secret SaversB. Love Is What It’s WorthC. Banking HonestyD. Once Bitten, Twice ShyQuestions 56 to 60 are based on the following passage:“The word ‘protection’ is no longer taboo(禁忌语)”.This short sentence, uttered by French President Nicolas Sarkozy late last month, may have launched a new era in economic history. Why? For decades, Western leaders have believed that lowering trade barriers and tariffs was a natural good. Doing so, they reasoned, would lead to greater economic efficiency and productivity, which in turn would improve human welfare. Championing free trade thus became a moral, not just an economic, cause.These leaders, of course, weren’t acting out of unselfishness. They knew their economies were the most competitive, so they’d profit most from liberalization. And developing countries feared thattheir economies would be swamped by superior Western productivity. Today, however, the tables have turned-though few acknowledge it. The West continues to preach free trade, but practices it less and less. Asia, meanwhile, continues to plead for special protection but practices more and more free trade.That’s why Sarkozy’s words were so important: he finally injected some honesty into the trade debate. The truth is that large parts of the West are losing faith in free trade, though few leaders admit it, Some economists are more honest. Paul Krugman is one of the few willing to acknowledge that protectionist arguments are returning. In the short run, there will be winners and losers under free trade. This, of course, is what capitalism is all about. But more and more of these will be in the West. Economists in the developed world used to love quoting Joseph Schumpeter, who said that “creative destruction” was an essential part of capitalist growth. But they always assumed that destruction would happen over there. When Western workers began losing jobs. Suddenly their leaders began to lose faith in their principles. Things have yet to reverse completely. But there’s clearly a negative trend in Western theory and practice. A little hypocrisy（虚伪) is not in itself a serious problem. The real problem is that Western governments continue to insist that they retain control of the key global economic and financial institutions while drifting away from global liberalization. Look at what’s happening at the IMF (International Monetary Fund). The Europeans have demanded that keep the post of managing director, but all too often, Western officials put their own interests above everyone else’s when they dominate these global institutions.The time has therefore come for the Asians-who are clearly the new winners in today’s global economy-to provide more intellectual leadership in supporting free trade. Sadly, they have yet to do so. Unless Asians speak out, however, there’s a real danger that Adam Smith’s principles, which have brought so much good to the world, could gradually die.And that would leave all of us worse off, in one way or another.56. It can be inferred that “protection” (Line 1, Para.1) means__ .A. improving economic efficiencyB. ending the free-trade practiceC. lowering moral standardD. raising trade tariffs57. The Western leaders preach free trade because .A. it is beneficial to their economiesB. it is supported by developing countriesC. it makes them keep faith in their principlesD. it is advocated by Joseph Schumpeter and Adam Smith58. By “the tables have turned” (Lines3-4,Para.2) the author implies that ____.A. the Western leaders have turned self-centeredB. the Asian leaders have turned advocates of free tradeC. the developed economies have turned less competitiveD. the developing economies have become more independent59. The Western economists used to like the idea of “creative destruction” because if ____.A. set a long-term rather than short-term goalB. was an essential part of capitalist developmentC. entailed a positive rather than negative mentalityD. was meant to be the destruction of developing economies60. The author uses “IMF” as an example to illustrate the point that ____.A. European leaders are reluctant to admit they are hypocriticalB. there is an inconsistency between Western theory and practiceC. global institutions are not being led by true globalization advocatesD. European countries’ interests are being ignored by economic leadersSection IV Translation (20 points)Directions: In this section there is a paragraph in English. Translate it into Chinese and write your translation on the ANSWER SHEET.The term “business model” first came into widespread use with the invention of the personal computer and the spreadsheet (空白表格程序) . Before the spreadsheet, business planning usually meant producing a single forecast. At best, you did a little sensitivity analysis around the projection. The spreadsheet ushered in a much more analytic approach to planning because every major line item could be pulled apart, its components and sub- components analyzed. You could ask what-if questions about the critical assumptions on which your business depended-for example, what if customers are more price-sensitive than we thought? –and with a few keystrokes, you could see how any change would play out on every aspect of the whole. In other words, you could model thebehavior of a business. Before the computer changed the nature of business planning, most successful business models were created more by accident than by elaborate design. By enabling companies to tie their marketplace insights much more tightly to the resulting economics, spreadsheet made it possible to model business before they were launched.Section V Writing (20 points)Directions: In this section, you are asked to write an essay based on the following information. Make comments and express your own opinion. You should write at least 150 words on the ANSWER SHEET.以往许多人报考成人高校，是为圆文凭梦。

2008年6月大学英语四级考试真题答案与精解2008年6月大学英语四级考试真题答案与精解（试卷A）PartⅠ Writing范文：Abundant recreational activities are available for people to release their strain and stress， ranging from sports to online activities。

There is going on a hot debate arguing whether they are good for the public or not， especially for college students。

As for such a question， different people hold different views。

Some believe that recreation is helpful if we want to keep healthy physically and mentally。

While there also sounds an opposite voice， which claims that activities also bring many problems。

For example， some young people are easily addicted to the virtual world online， which affects their study seriously and may lead to worse consequences as well。

As for me， I hold a belief that recreational activities do more good than harm。

They do give us a good chance， and efficiency too。

全国计算机技术与软件专业技术资格（水平）考试2008年下半年系统分析师上午试卷（考试时间 9 : 00～11 : 30 共 150 分钟）1. 在答题卡的指定位置上正确写入你的姓名和准考证号，并用正规 2B 铅笔在你写入的准考证号下填涂准考证号。

2. 本试卷的试题中共有 75 个空格，需要全部解答，每个空格 1 分，满分75 分。

3. 每个空格对应一个序号，有 A、B、C、D 四个选项，请选择一个最恰当的选项作为解答，在答题卡相应序号下填涂该选项。

4. 解答前务必阅读例题和答题卡上的例题填涂样式及填涂注意事项。

解答时用正规 2B 铅笔正确填涂选项，如需修改，请用橡皮擦干净，否则会导致不能正确评分。

例题● 2008 年下半年全国计算机技术与软件专业技术资格（水平）考试日期是（88）月（89）日。

（88）A. 9 B. 10 C. 11 D. 12（89）A. 4 B. 5 C. 6 D. 7 因为考试日期是“11 月 4 日”，故（88）选 C，（89）选 A，应在答题卡序号 88 下对 C 填涂，在序号 89 下对 A 填涂（参看答题卡）。

●某订单处理系统中，“创建新订单”和“更新订单”两个用例都需要检查客户的账号是否正确，为此定义一个通用的用例“核查客户账户”。

用例“创建新订单”和“更新订单”与用例“核查客户账户”之间是（1）。

(1)A.包含关系 B.聚合关系 C.泛化关系 D.关联关系●UML的事物是对模型中最具有代表性的成分的抽象，（2）是模型的静态部分，描述概念或物理元素；（3）用来描述、说明和标注模型的任何元素。

(2)A.结构事物 B.分组事物 C.行为事物 D.注释事物(3)A.分组事物 B.注释事物 C.结构事物 D.行为事物●UML用关系把事物结合在一起，（4）描述一个事物发生变化会影响另一个事物的语义；（5）描述特殊元素的对象可替换一般元素的对象。

(4)A.聚合关系 B.关联关系 C.包含关系 D.依赖关系(5)A.实现关系 B.聚合关系 C.泛化关系 D.关联关系●常用对称加密算法不包括（6）。

2008年考研英语试题及答案Passage 1 (文章1)Questions (问题):1. According to paragraph 1, why is the American dream often unattainable for many Americans?2. What does the author mean in saying that "homeownership is harder to obtain and maintain than ever before" (paragraph 2)?3. According to the passage, what are some reasons for the highrate of home foreclosures in the United States?4. In paragraph 4, the author mentions "predatory lenders." What does this term refer to?5. According to paragraph 5, how have African Americans and Latinos been disproportionately affected by the unstable housing market?Answers (答案):1. The American dream is often unattainable for many Americans because of economic difficulties and social inequality.2. "Homeownership is harder to obtain and maintain than ever before" means that it is more challenging for people to buy and keep their own homes.3. Some reasons for the high rate of home foreclosures in the United States include subprime mortgages, predatory lending practices, and the economic recession.4. "Predatory lenders" refers to unethical and exploitative financial institutions that prey on vulnerable borrowers by offering them unfair and deceptive loan terms.Passage 2 (文章2)Questions (问题):1. According to the passage, what is the main purpose of advertising?2. How do advertisers use celebrities to promote products?3. What does the author imply about the effectiveness of celebrities in advertising?4. According to paragraph 5, what are some negative consequences of excessive advertising?5. Why does the author suggest that consumers should be skeptical of advertising claims?Answers (答案):1. The main purpose of advertising is to persuade consumers to buy or use a certain product or service.2. Advertisers use celebrities to endorse products and create associations between the celebrity's image and the product's attributes.3. The author implies that while celebrities can attract attention and enhance brand recognition, their effectiveness in actually influencing consumer behavior may be limited.4. Some negative consequences of excessive advertising include the promotion of materialism, the manipulation of consumer desires, and the creation of unrealistic expectations.5. The author suggests that consumers should be skeptical of advertising claims because they are often exaggerated or misleading, and advertisers have a vested interest in promoting their products.Part B - Vocabulary and Structure (第二部分：词汇与结构)Questions (问题):2. Choose the word or phrase that is closest in meaning to the underlined part. (选择与划线部分意义最接近的单词或短语。

TEST FOR ENGLISH MAJORS（2008）—GRADE EIGHT—TIME LIMIT: 195MINPART I LISTENING COMPREHENSION (35 MIN)SECTION A MINI -LECTUREIn this section you will hear a mini-lecture. You will hear the le cture ONCE ONLY. While listening, take notes on the important points. You notes will not be market, but you will need them to complete a gap-filling task for after the mini- lecture. When the lecture is over, you will be given two minutes to check your notes, and another ten minutes to complete the gap-filling task on ANSWER SHEET ONE.Use the blank sheet for note- tanking.SECTION B INTERVIEWIn this section you will hear everything ONCE ONLY. Listen carefully and then answer the questions that follow. Mark the correct answer to each question on your colored answer sheet.Questions 1 to 5 are based on an interview. At the end of the interview you will be given 10 seconds to answer each of the following five questions.Now listen to the interview1. Mary doesn't seem to favour the idea of a new airport becauseA. the existing airports are to be wastedB. more people will be encouraged to travel.C. more oil will be consumed.D. more airplanes will be purchased.2. Which of the following is NOT mentioned by Mary as a potential disadvantage?A. More people in the area.B. Noise and motorways.C. Waste of land.D. Unnecessary travel.3. Freddy has cited the following advantages for a new airport EXCEPTA. more job opportunities.B. vitality to the local economy.C. road construction,D. presence of aircrew in the area.4. Mary thinks that people dont need to do much travel nowadays as a result ofA. less emphasis on personal contact.B. advances in modern telecommunications.C. recent changes in peoples concepts.D. more potential damage to the area5. We learn from the conversation that Freddy is Marys ideas,A. strongly in favour ofB. mildly in favour ofC. strongly againstD. mildly againstSECTION C NEWS BROADCASTIn this section you will hear everything ONCE ONLY. Listen carefully and then answer the questions that follow. Mark the correct answer to each question on your coloured answer sheet.Question 6 is based on the following news. At the end of the news item, you will be given 10 seconds to answer the question. Now listen to the news.6. What is the main idea of the news item?A. A new government was formed after Sundays elections.B. The new government intends to change the welfare system.C. The Social Democratic Party founded the welfare system.D. The Social Democratic Party was responsible for high unemployment.Questions 7 and 8 are based on the following news. At the end of the news item, you will be given 20 seconds to answer the questions.Now listen to the news.7. The tapes of the Apollo-11 mission were first stored inA. a U.S. government archives warehouse.B. a NASA ground tracking station.C. the Goddard Space Flight Centre.D. none of the above places.8. What does the news item say about Richard Nafzger?A. He is assigned the task to look for the tapes.B. He believes that the tapes are probably lost.C. He works in a NASA ground receiving site.D. He had asked for the tapes in the 1970s.Questions 9 and 10 are based on the following news. At the end of the news item, you will be given 20 seconds to answer the questions.Now listen to the news.9. The example in the news item is cited mainly to showA. that doctors are sometimes professionally incompetentB. that in cases like that hospitals have to pay huge compensations.C. that language barriers might lower the quality of treatment.D. that language barriers can result in fatal consequences.10. According to Dr. Flores, hospitals and clinicsA. have seen the need for hiring trained interpreters.B. have realized the problems of language barriers.C. have begun training their staff to be bilinguals.D. have taken steps to provide accurate diagnosis.PART II READING COMPREHENSION (30 MIN)In this section there are four reading passages followed by a total of 20 multiple-choice questions. Read the passages and then mark your answers on your coloured answer sheet。

注册国际投资分析师[CIIA]·2008年03月·试卷二考试真题与标准答案考试科目：1、固定收益分析与估值2、衍生产品分析和估值3、组合管理问题1：固定收益证券分析和估值(41分)你作为一个固定收益证券分析师已经开始工作。

在办公室的第一天，你面对下表中以欧元计价的债券组合：注：息票按年支付。

假设按照“30/360” 日期计算习惯。

a)首先，基于上表中的债券组合，请你回答如下几个基本问题。

a1) 计算1 年期、2年期和3 年期即期利率(也称为贴现率或者零息票利率)是多少?这一问题不考虑债券有不同的评级。

计算结果四舍五入保留到小数点后第二位，并写出计算步骤。

(6 分)a2) 哪只债券有最高的凸性？(给出简短解释，无须计算) (3 分)b)你的第二个任务需根据上表中的债券Y的一些不同表现和结构情景来回答。

b1) 计算1年期投资1年后的平准贴现率为多少，才能使得债券Y的持有期收益率恰好为0？(5 分)现在假设债券Y在1年后有权可以回售（执行价格为100%），期权调整的利差为每年145个基点（或1.45%）。

可回售债券Y相对于普通政府债的收益率利差为95 个基点。

b2)请计算嵌入式回售权的价值（按年计算的基点数）(4 分)b3) 在所有其他都等同情形下, 这样的可回售债券的价值是怎样随着利率的波动性增加而变化的？(4 分)c)请给出当你计划投资以外币计价的可赎回固定息票次级债券时不得不考虑的6个风险因素。

(6 分)d)假设有一只2年期以美元计价的平价债券，票面利率为6%。

当前，欧元交易价格为1.34美元。

现假设债券Y为普通债券（也就是说，没有嵌入期权）。

d1) 计算使得一年后美元债券的持有期收益等于债券Y的收益的欧元/美元平准汇率。

假设一年后一年期欧元和美元贴现率保持不变，分别为3.00%和4.00%。

(注：首先计算在利率和汇率保持不变的条件下，美元债券和债券Y的持有期收益率；然后求出欧元/美元汇率，使得两个收益率相等。

P:指定教材：Fundamentals of Probability ￥200 1.5 kgSolution manual of Fundamentals of Probability ￥80A First Course in Probability, 7th Ed ￥150考试manual：ASM版Exam P 9th Edition （2008秋）study manual ￥90 1.5kgASM版Exam P 10th Edition （2009春）study manual ￥200 1.5kgACTEX版Exam P （2009春）study manual ￥180 1.5kgGUO版Exam P （2009春）study manual ￥160 1.5kgDAR新版Exam P Equation Study List公式手册￥20FM:指定教材：Financial Mathematics ￥70.00 1kgMathematics of Investment and Credit, 3rd Edition, 2004 ￥120.00 1kg Mathematics of Investment and Credit Solutions Manual ￥80 0.5kgThe Theory of Interest 2nd Edition ￥55 1kgDerivatives Markets 2nd edition ￥140.00 2kg （这本书fm mfe c都需要用到）Derivatives Markets Solution Manual Second Edition ￥80.00 0.5kg考试manual：ASM版Exam FM 8th Edition （2008秋）study manual ￥160ASM版Exam FM 9th Edition （2009春）study manual ￥200 1.5kgACTEX版Exam FM （2009春）study manual ￥220 1.5kgGUO版Exam FM （2009春）study manual ￥180 1.5kgDAR新版Exam FM Equation Study List公式手册￥20MFE：指定教材：Derivatives Markets 2nd editionDerivatives Markets Solution Manual Second Edition考试manual：ASM版Exam MFE 8th Edition （2008秋）study manual ￥70 1.5kg ASM版Exam MFE 9th Edition （2009春）study manual ￥180 1.5kg ACTEX版Exam MFE （2009春）study manual ￥240 1.5kgGUO版Exam MFE （2009春）study manual ￥200 1.5kgMLC：指定教材：Actuarial Mathematics, 2nd Edition ￥105.00 2kgSolutions Manual for Bowers' et al Actuarial Mathematics ￥80.00 0.5kg Introduction to Probability Models, 8th Edition, 2003 ￥100 1.5kg考试manual：ASM版Exam MLC 7th Edition （2008秋）study manual ￥240 2.5kg ACTEX版Exam MLC （2008春）study manual ￥130 1.5kgGUO版Exam MLC （2009春）study manual ￥260 1.5kgDAR新版Exam MLC Equation Study List公式手册￥30C：指定教材：Loss Models From Data to Decisions ￥90 2kgSolutions Manual to Loss Models From Data to Decisitions ￥80 0.5kg Foundations of Casualty Actuarial Science, 4th Edition, 2001 ￥90 1.5kg 考试manual：ASM版Exam C 8th Edition （2008秋）study manual ￥260 2.5kg ACTEX版Exam C （2008春）study manual ￥185 1.5kgGUO版Exam C (2009春）study manual ￥300 2.5kgDAR新版Exam C Equation Study List公式手册￥30Fap：指定教材，已经全部是最新版的，全套价格为￥900 （非最新版一套为￥600）Fundamentals of Private PensionsUnderstanding Actuarial Management:Enterprise Risk ManagementINVESTMENT SCIENCEIntroduction to Ratemaking&Loss Reserving Third EditionGroup Insurance 5th editionActuarial Aspects of Individual Life Insurance 2nd Edition。

TEST FOR ENGLISH MAJORS (2008) Questions 1 to 31. When is Anne available for the meeting?A. The third week of May.B. The third week of June.C. The eleventh of June.D. The eleventh of May.2. Their meeting will probably take place in________.A. London.B. Toronto.C. Mexico City.D. Chicago.3. When is Eric calling back?A. Thursday afternoon.B. Friday afternoon.C. Thursday morning.D. Friday morning.Questions 4 to 64. According to the woman, advertisements________.A. let us know the best productB. give us sufficient informationC. fail to convince peopleD. give misleading information5. In the woman's opinion, money spent onadvertisements is paid ________.A. by manufacturersB. by customersC. by advertisersD. by all of them6. Which of the following statements isINCORRECT?A. The woman seems to be negative aboutadvertising.B. The woman appears to know more aboutadvertising.C. The man is to be present at a debate onadvertising.D. The man has a lot to talk about onadvertising.Questions 7 to 107. Mr. Brown brought with him only a few thingsbecause ________.A. there wasn't enough space in the cupboardB. the hospital would provide him witheverythingC. he was to stay there for a very short timeD. visitors could bring him other things8. According to the hospital rules, at which of thefollowing hours can visitors see patients?A. 2:00 pmB. 5:00 pmC. 7:00 pmD. 6:00 pm9. Which of the following statements isINCORRECT?A. Patients have breakfast at 8.B. Patients have lunch at 12.C. There are special alcohol lounges.D. There are special smoking lounges.10. Which statement best describes Mr. Brown?A. He knows little about hospital rules.B. He can keep alcohol in the ward.C. He knows when to smoke.D. He is used to hospital life.SECTION B PASSAGESQuestions 11 to 1311. Meeting rooms of various sizes are needed for________.A. contacts with headquartersB. relaxation and enjoymentC. informal talksD. different purposes12. Which of the following is NOT mentioned in thepassage as part of hotel facilities for guests?A. Restaurants.B. Cinemas.C. Swimming pools.D. Bars.13. A hotel for an international conference shouldhave the following EXCEPTA. convenient transport servicesB. competent office secretariesC. good sports and restaurant facilitiesD. suitable and comfortable rooms Questions 14 to 1714. The museum aims mainly to display ________.A. the area's technological developmentB. the nation's important historical eventsC. the area's agricultural and industrialdevelopmentD. the nation's agricultural and industrialdevelopment15. The following have been significant in the area'sprosperity EXCEPTA. the motorwaysB. the Roman roadC. the canalsD. the railways16. We know from the passage that some exhibits________.A. are borrowed from workshopsB. are specially made for displayC. reflect the local culture and customsD. try to reproduce the scene at that time17. The passage probably comes from ________.A. a conversation on the museumB. a museum tour guideC. a museum bookletD. a museum advertisementQuestions 18 to 2018. According to the speaker, safety in dormitorymeans that you ________.A. insure all your expensive thingsB. lock doors when going outC. lock windows at nightD. take all necessary precautions19. What does the speaker suggest girls do whenthey are going to be out late?A. Call their friends.B. Stay with their friends.C. Avoid walking in streets.D. Always take a taxi.20. What is the speaker's last advice?A. To take a few self-defense classes.B. To stick to well-lit streets at night.C. To avoid walking alone at night.D. To stay with their friends.SECTION C NEWS BROADCAST Questions 21 and 2221. What happened during the New Yearcelebration in Thailand?A. Terrorists fought with Government troops.B. Thai troops killed terrorists.C. There were shootings.D. There were explosions.22. What has led to the violent situation in thesouth of Thailand?A. The Muslims wanted independence.B. Thai troops have been sent there.C. About 2000 people have been killed.D. There have been more bombings since 2004. Questions 23 and 2423. Under the national oil law, the Iraqi government________.A. will give more oil revenues to only a fewprovincesB. will let provinces distribute their oil revenuesC. will distribute oil revenues according topopulation sizeD. will distribute oil revenues according tosecurity needs24. The construction package is meant to________.A. help build more housesB. help improve the country's economyC. help more children to go to schoolD. help more young people to get education Questions 25 and 2625. The joint committee will promote co-operationbetween Egypt and Spain in all the following areas EXCEPTA. educationB. industryC. investmentD. technology26. What is this news item mainly about?A. The establishment of a joint committee.B. The trade relations between Egypt and Spain.C. The future trade volume between Egypt andSpain.D. The establishment of a joint business council. Question 2727. According to the news, Japanese teenagewomen ________.A. are less violent than menB. are less violent than beforeC. are more violent than beforeD. are more violent than menQuestion 2828. Which of the following statements is CORRECTaccording to the news?A. Zimbabweans stayed away from voting.B. Zimbabweans were enthusiastic aboutvoting.C. Only a few Zimbabweans turned up to vote.D. Zimbabweans believed that Mugabe wouldwin.Questions 29 and 3029. The news mentioned ________ reason (s) forthe action taken by Indian telecom workers.A. 1B. 2C. 3D. 430. According to the news, who among thefollowing were NOT affected by telecom workers' action?A. Banks.B. Big companies.C. Long-distance callers.D. Government officials.PART III CLOZE (15 MIN)Salt, shells or metals are still used as money in out-of-the-way parts of the world today.Salt may seem rather a strange 31to use as money, 32in countries where the food of the people is mainly vegetable, it is often an 33necessity. Cakes of salt, stamped to show their 34, were used as money in some countries until recent 35, and cakes of salt 36buy goods in Borneo and parts of Africa.Sea shells 37as money at some time 38another over the greater part of the Old World. These were 39mainly from the beaches of the Maldives Islands in the Indian Ocean, and were traded to India and China. In Africa, shells were traded right across the 40from East to West.Metal, valued by weight, 41coins in many parts of the world. Iron, in lumps, bars or rings, is still used in many countries 42paper money. It can either be exchanged 43goods, or made into tools, weapons, or ornaments. The early money of China, apart from shells, was of bronze, 44in flat, round pieces with a hole in the middle, called "cash". The 45of these are between three thousand and four thousand years old-older than the earliest coins of the eastern Mediterranean.Nowadays, coins and notes have 46 nearly all the more picturesque 47of money, and 48in one or two of the more remote countries people still keep it for future use on ceremonial 49such as weddings and funerals, examples of 50money will soon be found only in museums.31. A. object B. article C. substance D.category32. A. butB. andC. soD. even33. A. abstractB. advantageousC. abundantD. absolute34. A. weightB. valueC. roleD. size35. A. timesB. eventsC. situationsD. conditions36. A. evenB. alsoC. stillD. never37. A. had been usedB. are usedC. would be usedD. would have been used38. A. andB. butC. yetD. or39. A. collectedB. producedC. grownD. raised40. A. cityB. districtC. communibD. continent41. A. processedB. producedC. precededD. proceeded42. A. in spite ofB. instead ofC. along withD. in line with43. A. againstB. asC. inD. for44. A. oftenB. seldomC. reallyD. much45. A. earlierB. earliestC. betterD. best46. A. replacedB. reproducedC. reflectedD. recovered47. A. sizesB. shapesC. formatsD. forms48. A. whileB. althoughC. becauseD. if49. A. eventsB. gatheringsC. occasionsD. assemblies50. A. originalB. primitiveC. historicalD. crudePART IV GRAMMAR&VOCABULARY (15 MIN) 51. Our association, which has consistently pressedfor greater employment opportunities for the disabled, will publish ________ proposals in the near future.A. theirB. ourC. hisD. its52. Had Judy been more careful on the maths exam,she ________ much better results now.A. would be gettingB. could have gotC. must getD. would get53. Nine is to three ________ three is to one.A. whenB. thatC. whichD. what54. Men differ from animals ________ they canthink and speak.A. for whichB. for thatC. in thatD. in which55. ________ he wanted to go out with his friendsat the weekend, he had to stay behind to finish his assignment.A. Much thoughB. Much asC. As muchD. Though much56. I enjoyed myself so much ________ I visited myfriends in Paris last year.A. whenB. whichC. thatD. where57. Which of the following is INCORRECT?A. All his lectures were boring.C. Her few friends are all fond of dancing.B. Half his money was gone.D. He invited many his friends to the party.58. When you have finished with that book, don'tforget to put it back on my desk, ________?A. do youB. don't youC. will youD. won't you59. What does "He wisely refused to spend hismoney" mean?A. It was wise of him to refuse to spend hismoney.B. He refused to spend his money in a wisemanner.C. He was short of money and didn't want tobuy anything.D. He refused, in a wise manner, to spend hismoney.60. They stood chatting together as easily andnaturally as ________.A. it could beB. could beC. it wasD. was61. The following are all correct responses to "Whotold the news to the teacher?" EXCEPTA. Jim did this.B. Jim did so.C. Jim did that.D. Jim did.62. Quality is ________ counts most.A. whichB. thatC. whatD. where63. In his plays Shakespeare ________ hischaracters live through their language.A. would makeB. had madeC. madeD. makes64. The square itself is five hundred yards wide, fivetimes ________ the size of St. Peter's in ________.Rome.A. /B. that ofC. which isD. of65. Which of the following sentences expresses"probability"?A. You must leave immediately.B. You must be feeling rather tired.C. You must be here by eight o'clock.D. You must complete the reading assignmenton time.66. When he first started in university, he really feltat ________ with his major – economics.A. shoreB. bankC. oceanD. sea67. On the road motorists should be aware ofcyclists and be ________ towards them.A. considerableB. consideringC. considerateD. considered68. Sally was a bit shy, but the teacher found herquite ________ discussing a recent film with others.A. at homeB. at mostC. at houseD. at bean69. The company has capitalized ________ theerror of judgment made by its business competitor.A. inB. overC. withD. on70. Tim has failed three courses this semester, sohe will have to ________ them next semester.A. remakeB. repeatC. reapplyD. revise71. Keep this reference book; it may come in________ one day.A. handyB. usefulC. convenientD. helpful72. The questions that the speaker raised were well________ the average adult.A. pastB. onC. beyondD. through73. Teachers in this school were encouraged to usedrama as a (n) ________ of learning.A. designB. instrumentC. agencyD. tool74. First, we need to find out what his scheme is,and then act ________.A. sensitivelyB. imaginativelyC. efficientlyD. accordingly75. At first Jim was not quite clear what he wasgoing to do after university, but now he seems ________ on becoming a computer programmer.A. fitB. setC. disposedD. decided76. When invited to talk about his achievements+he refused to blow his own ________ and declined to speak at the meeting.A. trumpetB. whistleC. bugleD. flute77. In spite of the treatment, the pain in his leggrew in ________.A. gravityB. extentC. intensityD. amount78. Bus services between Town Centre and NewtonHousing Estate will be ________ until the motorway is repaired.A. discontinuedB. suspendedC. haltedD. ceased79. The moon, being much nearer to the Earth thanthe Sun, is the ________ cause of the tides.A. principalB. basicC. initialD. elementary80. Teddy came to my ________ with a cheque of$200 to pay my room rate, after I phoned him that my wallet had been stolen.A. attendanceB. assistanceC. rescueD. safetyPART V READING COMPREHENSION (25 MIN) TEXT AWhen the sun is up in Amsterdam, the largest city in the Netherlands sits quietly on the Amstel River. You can rent a bicycle, visit the Van Gogh or Anne Frank museum, or take a water taxi.But when the sun goes down, the partying begins. In the big clubs and in coffee shops, tourists gather to hang out, talk politics and smoke.Several areas of the city clearly show the two worlds that rule Amsterdam. And they're all within a short cab ride of each other.For example, Dam Square attracts daytime sightseers to its festivals, open markets, concerts and other events. Several beautiful and very popular hotels can be found there. And there is theRoyal Palace and the Magna Plaza shopping mall.But as evening descends on Dam Square so do the party-seekers. Hip pop or funk music begins blaring from Club Paradiso and Club Melkweg. These are two of the most popular clubs inEurope. So if you come, be ready to dance. The clubs don't shut down until 4 am.And while you are there, check out the various inexpensive ways to tour the city. Don't worry about getting lost. Although Dutch is the official language, most people in Amsterdam speak English and are happy to help you with directions.And you'll notice that half the people in the streets are on bicycles. They rent for US$17 to $20 for a whole day.Amsterdam also has a good canal system. From anywhere between U852 and $9.50, you can use the canal bus or a water taxi to cruise the "Venice of the North".You can take in the picturesque canal house architecture: The rows of neat, narrow four-story dwellings of brownstone with large windows are well worth seeing. Many of them are several centuries old.You might also want to jump out of the canal bus at the Museum Quarter and start walking.Masterpieces by Dutch artists such asRembrandt, Bruegel, Van Gogh and others are on display at the Van Gogh Museum, Rembrandt House and others.The city has an appreciation of its historic past. One place to visit is the Anne Frank House in Nine Streets. It was there that the young Jewish girl wrote her famous diary during World War II. Visitors can view Anne's original diary and climb behind the bookcase to the room where she and her family hid from the Nazis for two years.81. At the beginning of the passage, the authorindicates that ________.A. Amsterdam is generally known as a quiet city.B. parties go on all day long in Amsterdam,C. Amsterdam presents two different pictures.D. Amsterdam attracts many daytime visitors.82. Which tourist attraction is cited for elaborationin Paragraphs Four and Five?A. Royal Palace.B. Dam Square.C. Club Paradiso.D. Magna Plaza.83. According to the passage, the local people haveall the following characteristics EXCEPTA. they are party goersB. they show hospitalityC. they can speak EnglishD. they are fond of cycling84. Which of the following adjectives can bestdescribe Amsterdam as a tourist city?A. Modern.B. Delightful.C. Quiet.D. Historic.TEXT BIn an article some Chinese scholars are described as being "tantalized by the mysterious dragon bone hieroglyphics." Tantalized is one of many English words that have their origins in myths and legends of the past (in this case, Greek and Roman ones). The meaning of the verb tantalize is a very particular one: "to promise or show something desirable to a person and then take it away; to tease by arousing hope." Many (but not all) English dictionaries give you a brief indication of a word's origins in brackets before or after the explanation of the meaning. For tantalize the following explanation is given: [> Tantalus]. This means that you should look up the name Tantalus to find out the word's origins, and if you do, you will find out that in Greek mythology, Tantalus was a king who was punished in the lower world with eternal hunger and thirst; he was put up to his chin in water that always moved away when he tried to drink it and with fruit on branches above him placed just a little bit out of his reach. Can you see why his name was changed into a verb meaning "to tease or torment by arousing desire"?Another example is the word siren, familiar to us as the mechanical device that makes such an alarming sound when police cars, ambulances, or fire engines approach. This word also has its origins in Greek mythology. The traveler Odysseus (Ulysses to the Romans) made his men plug their ears so that they wouldn't hear the dangerous voices of the sirens, creatures who were half bird and half woman and who lured sailors to their deaths on sharp rocks. So the word came to be associated both with a loud sound and with danger!When someone speaks of a "jovial mood" or a "Herculean effort," he or she is using words with origins in mythology. Look these words up to find their meaning and relationship to myths.Many common words, such as the names for the days of the week and the months of the year, also come from mythology. Wednesday derives from the ancient Norse king of the gods, Woden, and Thursday was originally Thor's day, in honour of Thor, the god of thunder. As a matter of fact, all the planets, except the one we live on, bear names that come from Roman mythology, including the planet that is farthest away from the sun and for that reason was called after the Roman god of the dead. This god has also given his name to one of the chemical elements.Several other elements have names that come from mythology, too.It seems that myths and legends live on in the English language.85. The purpose of the first sentence in ParagraphOne is ________.A. to describe the work of some ChinesescholarsB. to arouse readers' interest in hieroglyphicsC. to lead readers onto the main themeD. to link the preceding part to the present one86. We learn from the passage, all Englishdictionaries include ________.A. legendsB. mythologyC. word originsD. word definitions87. The example of tantalize is to show ________.A. how the word came into existenceB. how Tantalus was punished in the lowerworldC. how all English dictionaries show wordoriginsD. how the meaning of the word changed overthe years88. According to the passage, which of thefollowing does NOT have origins in myths or legends?A. Jovial.B. Wednesday.C. Earth.D. March.89. Which of the following can best serve as thetitle of the passage?A. Greek and Roman Mythology in Language.B. Mythological Origins of English Words.C. Historical Changes in Word Meanings.D. Mythology and Common Words.TEXT CMy heart sank when the man at the immigration counter gestured to the back room. I'm an American born and raised, and this was Miami, where I live, but they weren't quite ready to let me in yet."Please wait in here, Ms Abujaber," the immigration officer said. My husband, with his very American last name, accompanied me. He was getting used to this. The same thing had happened recently in Canada when I'd flown to Montreal to speak at a book event. That time they held me for 45 minutes. Today we were returning from a literary festival in Jamaica, and I was startled that I was being sent "in back" once again.The officer behind the counter called me up and said, "Miss, your name looks like the name of someone who's on our wanted list. We're going to have to check you out with Washington.""How long will it take?""Hard to say... a few minutes," he said. "We'll call you when we're ready for you."After an hour, Washington still hadn't decided anything about me. "Isn't this computerized?"I asked at the counter. "Can't you just look me up?"Just a few more minutes, they assured me.After an hour and a half, I pulled my cell phone out to call the friends I was supposed to meet that evening. An officer rushed over. "No phones!" he said. "For all we know you could be calling a terrorist cell and giving them information.""I'm just a university professor," I said. My voice came out in a squeak."Of course you are. And we take people like you out of here in leg irons every day."I put my phone away.My husband and 1 were getting hungry and tired. Whole families had been brought into the waiting room, and the place was packed with excitable children, exhausted parents, even a flight attendant.I wanted to scream, to jump on a chair and shout: "I'm an American citizen; a novelist; l probably teach English literature to your children." Or would that all be counted against me?After two hours in detention, I was approached by one of the officers. "You're free to go," he said. No explanation or apologies. For a moment, neither of us moved, we were still in shock.Then we leaped to our feet."Oh, one more thing." He handed me a tattered photocopy with an address on it. "If you weren't happy with your treatment, you can write to this agency.""Will they respond?" I asked."I don't know –I don't know of anyone who's ever written to them before." Then he added, "By the way, this will probably keep happening each time you travel internationally.""What can I do to keep it from happening again?"He smiled the empty smile we'd seen all day. "Absolutely nothing."After telling several friends about our ordeal, probably the most frequent advice I've heard in response is to change my name. Twenty years ago, my own graduate school writing professor advised me to write under a pen name so that publisherswouldn't stick me in what he called "the ethnic ghetto" – a separate, secondary shelf in the bookstore. But a name is an integral part of anyone's personal and professional identity-just like the town you're born in and the place where you're raised.Like my father, I'll keep the name, but my airport experience has given me a whole new perspective on what diversity and tolerance are supposed to mean. I had no idea that being an American would ever be this hard.90. The author was held at the airport because________.A. she and her husband returned from JamaicaB. her name was similar to a terrorist'sC. she had been held in MontrealD. she had spoken at a book event91. She was not allowed to call her friends because________.A. her identity hadn't been confirmed yetB. she had been held for only one hour and ahalfC. there were other families in the waiting roomD. she couldn't use her own cell phone92. We learn from the passage that the authorwould ________ to prevent similar experience from happening again.A. write to the agencyB. change her nameC. avoid traveling abroadD. do nothing93. Her experiences indicate that there still exists________ in the US.A. hatredB. discriminationC. toleranceD. diversity94. The author sounds in the last paragraph.A. impatientB. bitterC. worriedD. ironicTEXT DPublic speaking fills most people with dread. Humiliation is the greatest fear; self-exposure and failing to appeal to the audience come a close second. Women hate it most, since girls are pressurized from an early age to be concerned with appearances of all kinds.Most people have plenty of insecurities, and this seems like a situation that will bring them out. If you were under pressure to be perfect, you are terrified of falling in the most public of ways.While extroverts will feel less fear before the ordeal, it does not mean they will necessarily do it better. Some very shy people manage to shine. When I met the British comedian Julian Clary, he was shy and cautious, yet his TV performances are perfect.In fact, personality is not the best predictor of who does it well. Regardless of what you are like in real life, the key seems to be to act yourself.Actual acting, as in performing the scripted lines of a character other than yourself, does not do the job. While politicians may limit damage by having carefully rehearsed, written scripts to speak from, there is always a hidden awareness among the audience that the words might not be true.Likewise, the incredibly perfect speeches of many American academics are far from natural.You may end up buying their book on the way out, but soon afterwards, it is much like fast food, and you get a nameless sense that you've been cheated.Although, as Earl Spencer proved at his sister Princess Diana's funeral, it is possible both to prepare every word and to act naturally. A script rarely works and it is used to help most speakers.But, being yourself doesn't work either. If you spoke as if you were in your own kitchen, it would be too authentic, too unaware of the need to communicate with an audience.I remember going to see British psychiatrist R.D. Laing speak in public. He behaved like aseriously odd person, talking off the top ofhis head. Although he was talking aboutmadness and he wrote on mental illness,he seemed to be exhibiting rather thanexplaining it.The best psychological place from which to speak is an unselfconscious self-consciousness, providing the illusion of being natural. Studies suggest that this state of "flow", as psychologists call it, is very satisfying.95. Women hate public speaking most mainlybecause of ________.A. their upbringing very early on。