92. Which of the following is NOT true about unwanted e-mail?

　　A. It costs money to receive them.

　　B. It's free to store them.

　　C. It takes time to access them.

　　D. It takes time to throw them away.

　　93. Unwanted e-mail may ______

　　A. cause companies to fail in business

　　B. cause wanted e-mail messages to lose

　　C. damage the credit of a company

　　D. do good to a small company

　　94. "Pornographic" in Paragraph 3 probably means ______

　　A. decent B. instructional

　　C. sexual D. commercial

　　95. What does unwanted e-mail messages do to the providers of the Internet services?

　　A. Raising their cost.

　　B. Raising the Internet speed.

　　C. Improving their business.

　　D. Attracting investment.

　　96. "Disguise" in Paragraph 4 is closest in meaning to ______

　　A. reveal B. hide

　　C. deliver D. post

　　97. The word "induce" in Paragraph 5 is closest in meaning to ______

　　A. cheat B. introduce

　　C. provide D. harm

　　98. "Opt-out" mechanism is probably ______

　　A. a machine that can be attached to your computer

　　B. a button that you can make a choice to read or not to read

　　C. a software that you can play a computer game

　　D. an e-mail that says some good words to you

　　99. It can be inferred from Paragraph 6 that bulk unsolicited commercial e-mail will probably spread ______

　　A. harmful virus B. unpleasant news

　　C. advertisements D. adult jokes

　　100. The unwanted e-mail problem can be solved if ______

　　A. the government takes action

　　B. a new technology is adopted

　　C. more people are aware of the problem

　　D. joint efforts are made and new technology is used

　　Section 3: Cloze Test (20 points)

　　In the following passage, there are 20 blanks representing words that are missing from the context. You are to put back in each of the blanks the missing word. Write your answers on the ANSWER SHEET. The time for this section is 20 minutes.

　　Insurance is the sharing of (1) . Nearly everyone is exposed (2) risk of some sort. The house owner, for example, knows that his (3) can be damaged by fire; the ship owner knows that his vessel may be lost at sea; the breadwinner knows that he may die by (4) and (5) his family in poverty. On the other hand, not every house is damaged by fire or every vessel lost at sea. ff these persons each put a (6) sum of money into a pool, there will be enough to (7) the needs of the few who do suffer (8) , In other words the losses of the few are met from the contributions of the (9) . This is the basis of (10) . Those who pay the contributions are known as (11) and those who administer the pool of the contributions as insurer.

　　The (12) for an insurance naturally depends on how the risk is to happen as suggested (13) past experience, ff the companies fix their premiums too (14) , there will be more competition in their branch of insurance and they may lose (15) . On the other hand, if they make the premiums too low, they will not have (16) and may even have to drop out (17) business. So the ordinary forces of supply and (18) keep premiums at a proper (19) to both insurers and those who (20) insurance.