(Q).
Buying insurance   is a way in which people can protect themselves against large losses. Protection against fire is one kind of insurance. Large numbers of people pay small sums of money to an insurance company. Although thousands of people have paid for fire insurance, only a few will lose their homes by fire. The insurance company will pay for these homes out of the small sums of money it has collected. The first modern fire insurance company was formed in London, England, in the 1760s. A great fire had just destroyed most of the city, and people wanted protection against further losses. The first company grew rapidly. Soon other companies were founded in other areas. Benjamin Franklin helped form the first fire insurance company in America in 1752, and then a new kind of insurance for farmers was suggested. The new insurance would provide protection against the loss of crops from storms. Later on another new insurance company was started in America. This company, which offered life insurance, collected small sums of money regularly from many different men. If a man died, his family was given a large sum of money. Over the years, insurance companies have offered new kinds of insurance protection. The new kinds of insurance cover losses from such accidents as car and plane crashes. Today, most people have some kind of insurance. Who helped set up the first company in America? A) Benjamin Franklin. B) Businessmen. C) The first insurance company in London. D) Farmers.
(A).
A


(Q).
I have come across some really excellent examples of British humour in the form of jokes. Here is a very funny joke about how the English and the Scottish save on train fare. Five Englishmen boarded a train just behind five Scots, who as a group had only bought one ticket. Just before the conductor came, all the Scots went into the toilet. As the conductor passed the toilet, he knocked and called, "Tickets, please!' One of the Scots slid a ticket out under the door. It was punched   and pushed back. When it was safe, all the Scots came out and took their seats. The Englishmen were quite impressed by what the Scots had done. On the trip back, the five Englishmen decided to try this themselves and bought only one ticket. They noticed that the Scots had not bought any tickets this time. Anyway again, just before the conductor came, the Scots went into one of the toilets, the Englishmen into the other. Then one of the Scots leaned out, knocked on the Englishmen's toilet and called, "Tickets, please!" When the ticket was slid out under the door, he picked it up and quickly closed the door. English humor shows the ups and downs of life in Britain. Humour helps us to look at the lighter side of things. So, if you want a good laugh, and want to change your attitude to what would otherwise be a difficult situation, turn to a good English situation comedy and have a good time. Which of the following words can best describe the five Scots? A) Confident B) Careful C) Mean D) Clever
(A).
D


(Q).
Germs are everywhere. You can't see them, but they are on your desk, on your computer, and even in the air! Like people, germs move around the world. They fly with us on planes. When food, clothes, and other things travel around the world, germs travel, too. Some germs are safe, but some are dangerous. Germs cause illnesses like colds and the flu.  Warmer Weather Brings Germs The world's weather is changing. Cooler countries are getting warmer, so insects from hot countries can move  _ . Some of these insects, like mosquitoes, carry dangerous germs. These germs cause headaches, fever, and can even kill people. Under Your Skin Your skin protects you from germs. It stops some germs, but not all. They can enter your body when you eat, or when you have a cut. Germs are on your hands, too. They enter your body when you touch your eyes, nose, or mouth.  Fighting Germs  Your immune system  protects you, too. When germs get inside your body, your immune system finds and kills them. Special cells move around your body and fight germs. They help you stay healthy. Other cells make antibodies. Antibodies help your body find and stop germs.  What can you do to fight germs? You should wash your hands with soap and water. Soap kills many germs, and water washes them away. What do antibodies do? A) They kill germs and wash them away. B) They find and develop germs. C) They help protect us from germs. D) They carry dangerous germs.
(A).

C