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听力原文：W: Wow! Your new apartment is fabulous! So spacious and clean! What's the rent like？
M: Well, it's pretty good. I pay 500 dollars a month, which is great for this area.
Q: How does the man feel about his rent？
(13)

A. The man thinks his rent is very cheap.
B. The man thinks his rent is very expensive.
C. The man thinks he lives in a good area.
D. The man thinks his rent is reasonable.

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Insurance is supposed to provide protection against financial risks, and while dying too soon is one major risk we face, another risk more and more people fear is outliving their money. As a result, a growing array of life insurance products make it possible to protect against both of those risks.
In many of today's life insurance products, MacDonald notes, "The death benefit portion really has become a commodity type product, so if someone is really concerned about the financial impact of dying young, then they can get a pretty good deal by buying term insurance on a commodity basis—find the cheapest policy and buy it. "But, he says, " The other side of the coin is that insurance companies have developed products that can be very creative, and very competitive to other alternatives, including investments. They can fill a very important role in any overall investment plan. "
Diverse and universal policies offer people choices in how much they want to put into their policies and how they want their funds invested. These funds can then be tapped later on to provide a lump sum for purchasing a retirement home or a stream of retirement income. Life insurance is an attractive investment vehicle, because the " inside buildup" , the accumulation of funds inside a policy structrue, is not subject to taxes, in contrast to other personal investments.
However, MacDonald and others warn against using insurance policies purely as an investment. While there are tax advantages, there are also the costs connected with the insurance coverage, and if you don't need that coverage these can be expensive ways to invest.
Moreover, MacDonald notes that some companies are offering insurance that has a critical illness or long-term care benefit. These policies specify that if someone suffers a heart attack, for example, they will get 25% of the face amount of the insurance policy immediately rather than at death. Or if they must be confined to a nursing home, they will be able to use up to the face amount of the policy to pay the nursing home costs.
Amid the proliferation of insurance product, MacDonald says, "The positive side of it is there are better products—they're cheaper and more flexible. The negative side is that it's more complicated and easier to make a mistake. In the past, it was plain vanilla; everybody was selling the same product and everybody had to find an agent they liked. Now there has been significant changes in product structure and design, and benefits, and so it is worthwhile to shop around. "
The purpose of insurance is to______.

A. give you money whenever you need
B. protect you from financial risks
C. save money
D. outlive money

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If all the ice in the Antarctic melted, global sea levels would rise hugely.

A. Y
B. N
C. NG

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听力原文：M: Hey, don't look so worried.
W: (whispering) I don't know what to do with all these knives and forks and glasses. What do I do？
M: Ah, so that's the problem, don't worry, it's easy. Use the cutlery from the outside to the inside. After each course the dirty dishes and cutlery will be taken away. The different glasses are for different kinds of drink. If you get stuck, just watch someone else.
W: OK, OK. I think I've got it. Could you explain some more about etiquette？ I don't want to do something that looks really stupid!
M: Well, the most important thing is not to make noise when you eat. Parents always tell their children "don't talk with your mouth full" and "never chew with your mouth open".
W: OK, so that's a bit different. Sometimes it's polite in Asia to make noise. What else？
M: At a formal meal, in a place like this, you should always have your napkin on your lap and don't rest your arms on the table either. If you are at someone's house, it is always polite to compliment the cook. I guess that last part is the same everywhere in the world.
W: Well, although you guys didn't cook it, thanks for a great meal!
M: It's a good job I didn't cook it, I can burn water!
W: What do I do if I need to leave the table？ Do I need to say where I'm going？
M: Don't go into too much detail. The safest option is to just say "please excuse me for a minute".
W: OK, well, in that case. Please excuse me for a minute.
(20)

A. eating all of the food.
B. using the right knives, forks and glasses.
C. going to the toilet.
D. drinking too much wine.

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A．External motivation can sometimes bring about negative outcomes.B．People are likely

A. External motivation can sometimes bring about negative outcomes.
B. People are likely to do their work without enthusiasm because of threat;
C. Students often study in order to please their parents and teachers.
D. The second form. of motivation can be dangerous if the students can't achieve their own goal.

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听力原文：W: Wow! Your new apartment is fabulous! So spacious and clean! What's the rent like？M: Well, it's pretty good. I pay 500 dollars a month, which is great for this area.Q: How does the man feel about his rent？(13)

A. The man thinks his rent is very cheap. B. The man thinks his rent is very expensive. C. The man thinks he lives in a good area. D. The man thinks his rent is reasonable.

If all the ice in the Antarctic melted, global sea levels would rise hugely.

A．External motivation can sometimes bring about negative outcomes.B．People are likely

听力原文：W: Wow! Your new apartment is fabulous! So spacious and clean! What's the rent like？
M: Well, it's pretty good. I pay 500 dollars a month, which is great for this area.
Q: How does the man feel about his rent？
(13)

A. The man thinks his rent is very cheap.
B. The man thinks his rent is very expensive.
C. The man thinks he lives in a good area.
D. The man thinks his rent is reasonable.