II.Reading Comprehension:To insure means to protect against a loss of money.Most people can budget（预算）their money so that their income will cover expected expenses such as food,clothing,housing,and public services.But,there is no way to know in advance who will suffer a crisis such as a serious illness,fire,flood,or a car accident.Such crises usually result in great expense.Even if people could predict crises,it would be hard to save enough money to c

II.Reading Comprehension:
To insure means to protect against a loss of money.Most people can budget（预算）their money so that their income will cover expected expenses such as food,clothing,housing,and public services.But,there is no way to know in advance who will suffer a crisis such as a serious illness,fire,flood,or a car accident.Such crises usually result in great expense.Even if people could predict crises,it would be hard to save enough money to cover the expenses.Insurance is a system by which a company collects money from many individuals and then pays certain expenses whenever one of those insured individuals is faced with a certain crisis.An insurance policy（保险单）states how much the insurance costs and how much the company will pay when a policy holder is faced with a certain crisis.There are many different kinds of insurance,including hospital,motor-car,and fire.Insurance can be rather expensive but most people buy insurance of some kind.Insurance is something that people buy and hope they will never need.
36.Which of the following statements is NOT true?
A) Insurance is a way to prevent things like floods and fires.
B) Insurance can pay the costs caused by certain crises.
C) Insurance is protection against loss of money.
D) Most people can budget their money to cover expected expenses.
37.Insurance _____________.
A) will prevent people suffering from crises
B) can’t be expensive
C) is something people hope they will not need
D) is used each day by most people
38.The word “predict” means ___________.
A) to avoid
B) to foresee
C) to protect
D) to protest
39.Which of the following is the main idea of the passage?
A) An insured person will be paid whenever he is faced with a certain crisis.
B) Although insurance can cost a lot,most people today have some kind of insurance.
C) There are many different kinds of insurance.
D) Insurance is protection against loss of money resulting from certain crises.
40.The best title for the passage is ___________.
A) How to Insure
B) The Value of Insurance
C) Life Crises
D) Crisis Prevention