填空题Premiums You Can RetrieveFor those who see term life insurance as a losing proposition, an old insurance product is back. Called Return of Premium (ROP) (31) Money-Back Term, these policies refund (32) penny paid in premiums if you outlive the 15-, 20-, or 30-year term of the policy.The policies cost more -- perhaps 30% to 50% more for a 30-year policy -- than traditional term life. A healthy 35-year-old man might pay ＄550 annually for a basic ＄500,000, 30-year term policy, vs. ＄810 for one (33) the ROP feature. You can get policies for a shorter term, (34) they cost so much more that they are not advised. Then does an POP policy make sense? That depends on (35) answer to two questions: Would you earn more buying a cheaper term policy and investing the savings? Are you likely to cancel before the 30 (or however many) years are up?In the example above, the ROP would cost ＄260 more each year than regular term insurance but (36) return ＄24,300 in premiums at the end of 30 years. That mounts (37) an annualized return of 6.6%, and it's tax-free because you're just getting back your own money, For someone looking for a conservative investment, (38) policy could make sense. But remember, you get that return only if you pay the premiums for the entire 30 years. If you drop the policy before, you'll get less, or perhaps nothing, in return (39) those higher premiums. A company generally counts on people dropping the policies -- in order to pay the money to those who (40) .

填空题What International Trade is about? International trade is the exchange of capital, goods, and services across international borders or territories. In most countries, such trade represents a significant share of gross domestic product (GDP). While international trade has been present throughout much of history, (9) Industrialization, advanced transportation, globalization, multinational corporations, and out sourcing are all having a major impact on the international trade system. (10) Without inter national trade, nations would be limited to the goods and services produced within their own borders. International trade is, in principle, not different from domestic trade as the motivation and the behavior of parties involved in a trade do not change fundamentally regardless of whether trade is across a border or not. (11) The reason is that a border typically imposes additional costs such as tariffs, time costs due to border delays and costs associated with country differences such as language, the legal system or culture. Another difference between domestic and international trade is that factors of production such as capital and labor are typically more mobile within a country than across countries. (12) and only to a lesser extent to trade in capital, labor or other factors of production. Trade in goods and services can serve as a substitute for trade in factors of production. Instead of importing a factor of production, (13) An example is the import of labor-intensive goods by the United States from China. Instead of importing Chinese labor, the United States imports goods that were produced with Chinese labor. One report in 2010 suggested that international trade was increased when a country hosted a network of immigrants, but the trade effect was weakened when the immigrants became assimilated into their new country. International trade is also a branch of economics, which, (14) A. The main difference is that international trade is typically more costly than domestic trade B. International trade allows us to expand our markets for both goods and services C. its economic, social, and political importance has been on the rise in recent centuries D. Increasing international trade is crucial to the continuance of globalization E. a country can import goods that make intensive use of that factor of production and thus embody it F. in which prices, or supply and demand, affect and are affected by global events G. together with international finance, forms the larger branch of international economics H. Thus international trade is mostly restricted to trade in goods and services

填空题less achievable, given that the company's poor financial position and limits on

填空题Barriers to International Business Firms desiring to enter international business face several obstacles, some much more severe than others. The most common barriers to international business are: cultural, social, and political barriers, and tariffs and trade restrictions. A nation's culture and social forces can restrict international business activities. Culture consists of a country's general ideas and values and tangible items such as food, clothing, and buildings. Social forces include family, education, religion, and customs. (9) Some countries also have different values about spending than do Americans. The Japanese have long been a nation that believes in paying cash for the products they buy, although the use of credit cards has soared in Japan over the last few years. The Japanese still save nearly 20 percent of individual income, compared to about 4 percent saved by people in the United States. (10) In some countries, purchasing items as basic as food and clothing can be influenced by religion. And some societies simply do not value material possessions to the same degree that Americans do. Most firms know the importance of understanding the cultural and social differences between selling and buying countries. (11) For instance, a business deal in Japan can fall through if a foreign businessman refuses a cup of green tea during a visit to a native Japanese firm. The political climate of a country can have a major impact on international business. Nations experiencing intense political unrest may change their attitude toward foreign firms at any time; this instability creates an unfavourable atmosphere for international trade. Tariffs and trade restrictions are also barriers to international business. A nation can restrict trade through import tariffs, quotas and embargoes, and exchange controls. Import tariffs: a duty, or tax, levied against goods brought into a country is an import tariff. (12) The risk in importing tariff is that the other country could take the same action. Quotas and embargoes: a quota is a limit on the amount of a product that can leave or enter a country. Some quotas are established on a voluntary basis. (13) For instance, Japanese automobile manufacturers have voluntarily reduced the number of cars shipped from the United States to five automakers here the time they need to modernise their factories. An embargo is a total ban on certain imports and exports. Many embargoes are politically caused. Exchange controls: restrictions on the amount of a certain currency that can be bought or sold are called exchange controls. (14) A Tariff can be used to discourage foreign competitors from entering a domestic market. B A government can use exchange controls to limit the amount of products that importers can purchase with a particular currency. C The voluntary quota reduced the quantity of products for exportation. D Selling products from one country to another is sometimes difficult when the cultures of the two countries differ significantly. E Generally, a voluntary quota fosters goodwill and protects a country from foreign competition. F However, managers still make costly mistakes when conducting business internationally simply because they do not understand such differences. G The most common barriers to international business are: cultural, social, and political barriers, and tariffs and trade restrictions. H Social forces which are universal in people's daily life can create obstacles to international trade.

填空题Task Two-What they have mainly learned For questions 18-22 , match the extracts with what they mainly learned for the speaker, listed A-H . For each extract, choose what each speaker has mainly learned. Write one letter (A-H) next to the number of the extract. A The importance of cooperation. B The importance of hard-work. C How to forge tight relationship with customers. D How to ask for a raise. E How to become an excellent salesperson. F The philosophies of the company. G To identify principal duties and learn to be responsible and serve the customers well. H How to get promotion quickly.

填空题We are very sorry for the delay in replying your request. ______

填空题{{B}}PART ONE{{/B}}{{B}}How to approach Reading Test Part One{{/B}}· In this part of the Reading Test you match eight statements with five short texts.· First read each short text and then read the sentences to see which ones refer to the text· Make sure you read each text for overall meaning. Do not choose an answer just because you can see the same words in the text.· Look at the sentences below and at the five newspaper items about companies on the opposite page.· Which company does each sentence refer to?· For each sentence 1 - 8, mark one letter (A, B, C, D or E) on your Answer Sheet.· You will need to use some of these letters more than once. {{B}}AHabgood{{/B}}Habgood, the pharmaceutical company, saw its share price plummet yesterday, following a cut in its corporate credit rating. Investors were unnerved by the group's shrinking access to capital and its wish to fund ambitious expansion plans. Although the sector as a whole has been weak for some time, Habgood is looking particularly vulnerable, and may well prove to be a target for takeover from within the industry. Analysts would not be surprised if Jerry Greenway, the company's chief executive, and architect of its strategy of expansion, were to step down.{{B}}BKK Leyton{{/B}}Truck manufacturer KK Leyton has said that its unit sales rose by a modest 1.3 per cent in the last six months, compared with 1.7 per cent in the same period last year. The company blames the economic downturn in its main markets and increasing pressure from larger competitors. However, grounds for guarded optimism came in the form of an announcement that the company is about to roll out a cost-cutting programme which should help to protect its profit margins. Analysts believe this will strengthen KK Leyton's position until conditions improve.{{B}}CMeadowsweet{{/B}}Discount clothing retailer Meadowsweet, whose 240 stores are mostly in Scotland and northern England, is set to merge with rival Marika Clothing, with slightly fewer stores in the south of England. Making the announcement, Elaine Tungate, Meadowsweet's chief executive, said that the two brands would be kept distinct, and each would retain its existing management team for the time being. Marika is targeted at female shoppers aged 25 to 45 while Meadowsweet is aimed at the over-45s, which, according to Ms Tungate, makes it an 'ideal merger' and 'a natural fit'.{{B}}DCrofts{{/B}}Crofts' ambitious plans massively to increase the number of its cafes are continuing to raise questions about profitability, and as a result shares are still trading below their level of a year ago. Andrew Hughes, Crofts' chairman, anticipates a speedy recovery, because of the company's focus on customer satisfaction. His optimism is not shared by analysts, though, who point out that the new outlets are simply taking customers from existing cafes, with the result that, contrary to Crofts' confident forecast when the plans were initially unveiled, income is static and same-store sales have been falling all year.{{B}}EDowning Energy{{/B}}Downing Energy is to spin off its subsidiary Forthland Resources and adopt a new holding company structure. At the same time it will take the name Forthland Energy. Carol Mortimer, Downing's CEO, said that splitting the companies will mean each being able to focus on what it does best. Both are already in discussions with their banks about, extending their credit facilities - essential if they are to survive their present difficulties. The announcement led to a small rally in Downing's share price, reversing the steady decline of recent days.

填空题declared the overall winner, an honour which is becoming increasingly

填空题furniture

填空题 Task Two—Reasons for Success · For questions 18-22, match the extracts with the statement about why their business is more successful, listed A-H. · For each extract, choose the statement described. · Write one letter (A-H) next to the number of the extract. A Our people are very talented and qualified. B We had a completely automated fabrication shop. C 3/4 of its private sector work is repeating. D He laid off 88 people. E He supervised the installation of the new towers. F He cut his work force by 175 people. G It was surprising to stand on the top of the building. H We don't have fabrication shop.

填空题Research reveals that 82 percent of adults are surprised by their account balance every month．Although two。thirds of those suweyed by Yougov claimed to know the transactions in and (31) of their current accounts，only 18 percent of people were left with an account balance (32) ．expected at the end of the month．Lack of time emerged as the major reason (33) ．adult money mismanagement and banking expels promote online banking as a convenient，24-hour (34) to current account management．Natwest Primeline，the bank's online and telephone banking service， (35) ．one provider that has seen a threefold increase in online customers compared to two years ago．Age was also found to affect people's (36) to managing their current account balance． (37) to 60 percent of those under 30 years old were unable to find time to do their banking．This contrasted with the over-50 age group，67 percent of (38) ．always found time to do their banking．This is also the age group least likely to go overdrawn on their current accounts．Men emerged as the group least likely to be able to guess their account balance，with only 8 percent (39) ．able to do so．Regionally，Londoners were the most dis．organised as 44 percent of people did not know how (40) money was available in their account．

填空题{{B}}PART ONE{{/B}}·Look at the statements below and the job description on the opposite page.·Which job (A, B, C, D or E) does each statement 1-8 refer to?·For each statement 1-8, mark one letter (A, B, C, D or E) on your Answer Sheet.·You will need to use some of these letters more than once. {{B}}A Senior Finance Analyst{{/B}}This permanent role is within the Group Finance team and will be responsible for providing a high level of analysis of group operations and competitor activity and support on technical issues. The main areas of responsibility include analysis of business unit performance and projections, competitor analysis, cash flow forecasting, and review of presentations prepared for Group management. The role also includes group accounting and assistance with the preparation of key consolidated group reports for senior management.{{B}}B General Counsel and Director{{/B}}The International Monetary Fund, an international organization with a diverse staff from over 140 countries, has an opening for the position of General Counsel and Director of its Legal Department. The General Counsel provides advice 9n all legal matters relating to the Fund's activities. The Director serves under the overall supervision of the Managing Director and in close collaboration with other members of the Fund's top management team, and is responsible for providing strong intellectual leadership and strategic vision in planning, managing, and supervising the work and staff of the Department. In addition, the Director manages the distribution and delegation of assignments and the assessing, developing, and mining of the staff of the Department.{{B}}C Senior Product Accountant for Leading Investment Firm{{/B}}The D.E. Shaw Group is seeking a senior product accountant to support a sophisticated, and rapidly growing, suite of Wading strategies and assist in managing staff within its Finance and Operations Department. The role requires regular interaction with senior management and proprietary trading staff and involves a wide array of responsibilities primarily cantered on daily (e.g., wade settlement, swap resets, corporate actions) and monthly (e.g., preparation of portfolio balance sheets and income statements, profit-and- loss reconciliation and analysis, security price testing) accounting and operational duties in support of the firm's investment activities in developed and emerging markets mound the world.{{B}}D Business Analyst/Operation Analyst{{/B}}Company's Finance Organization is seeking an experienced multidisciplinary business professional in its Operations group. The Business Analyst/Operational Analyst will be responsible for analyzing cross-functional processes and issues, supporting process re-engineering initiatives and carrying out operational responsibilities to enable the Finance organization to scale with the growth of the business. The position reports directly to the Sr. Mgr. of R&D Finance Operations.{{B}}E Senior Internal Auditors{{/B}}We are seeking three experienced Senior Internal Auditors who will conduct our audit programs and also will help at various levels in designing, implementing and managing the necessary policies and procedures for these functions. The Internal Audit department is responsible for interacting with the operating units, executive officers and external auditors. Other primary functions will include ensuring that adequate internal controls of policies and procedures are maintained for all Internal Audit aspects and related systems, and ensuring the integrity and timeliness of all reporting to the executive officers and external auditors.

填空题 IN-HOUSE IT TRAINING One of the most important things you should consider before implementing an IT training program is whether that the content is current, accurate41 and easily be understood by trainees. In general, you should look42 for a training program that has done an affiliation with industry43 leaders. For example, a course on Windows 2000 should at least44 be approved by Microsoft. A course that has been co-developed in45 this way ensures so that trainees will study relevant and correct46 information. Also, take into your account the availability of practical47 exercises. Many off-site, instructor-led programs which provide learning48 labs for trainee practice, but take good on-site training courses can49 include hands-on simulations that resemble to an actual networking50 or desktop environment. This supply allows trainees to interact with51 the programs without crashing down a live system. It also means that52 trainees can study while at work so that less time is going missed, and production schedules are not interrupted.

填空题______

填空题The Protection of Inventions Most laws dealing with the protection of inventions do not actually define the

填空题{{B}}TASK TWO--THE REQUIREMENT OF WORK{{/B}}·For questions 18-22, match the extracts with the requirements, listed A-H.·For each extract, choose the requirement of the work.·Write one letter (A-H) next to the number of the extract.A responsibilityB accuracyC computer skillsD writing abilityE easy to get alongF communication abilityG fast typingH ability to understand others