Ⅲ. Cloze (20 points)

　　Directions:

　　For each blank in the following passage, there are four choices given below and marked A, B, C and D. Choose the one that is most suitable and mark your answer by blackening the corresponding letter on the Answer Sheet.

　　Insure means to protect _51_ a loss of money. Most people can budget their money so that their income will cover expected expenses _52_ food, clothing, housing, and public services. But, there is no way to know _53_ who will suffer a crisis (危机) such as a serious illness, fire, flood, or a car accident. Such crises usually _54_ great expense. Even if people could predict crises, it would be hard to save enough money to _55_ the expenses. Insurance is a system _56_ 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 _57_ 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, _58_ hospital, motor-car and fire. Insurance can be rather expensive but most people buy insurance of some kind. Insurance is something _59_ people buy and hope they will _60_ need.

　　51.A. for B. from C. against D. with

　　52.A. such as B. for example C. that D. the same as

　　53.A. predict B. ahead C. in advance D. earlier

　　54.A. result from B. make C. take D. result in

　　55.A. cover B. pay back C. fill D. make full

　　56.A. that B. by which C. what D. where

　　57. A. said B. agree C. make sure D. states

　　58.A. include B. including C. as well as D. also

　　59.A. which B. that C. as D. like

　　60.A. never B. ever C. sometimes D. often

　　Ⅳ. Reading Comprehension (60 points)

　　Directions:

　　There are four reading passages in this part Each passage is followed by five questions. For each question there are four suggested answers marked A, B, C and D. Choose one best answer and blacken the corresponding letter on the Answer Sheet.

　　Passage One

　　Researchers have found that REM (rapid eye movement) sleep is important to human beings. This type of sleep generally occurs four or five times during one night of sleep lasting five minutes to forty minutes for each occurrence. The deeper a person’s sleep becomes, the longer the periods of rapid eye movement.

　　There are physical charges in the body to show that a person has changed from NREM (non-rapid eye movement) to REM sleep. Breathing becomes faster, the heart rate increases, and, as the name implies, the eyes begin to move quickly.

　　Accompanying these physical changes in the body is a very important characteristic of REM sleep. It is during REM sleep that a person dreams.

　　61. According to the passage, how often does REM sleep occur in one night?

　　A. Once B. Twice C. Four of five times D. Forty times

　　62. The word “deeper” in paragraph 1 is closest in meaning to which of the following?

　　A. heavier. B. louder. C. stronger. D. happier.

　　63. Which of the following shows that a person is NOT dreaming in his sleep?

　　A. His eyes begin to move. B. His breathing becomes faster.

　　C. His heart rate increases. D. His eyes stop moving.

　　64. The subject of this passage is ________.

　　A. why people sleep B. the human need for REM sleep

　　C. the characteristic of REM sleep D. physical changes in the human body

　　65. Which of the following is the best title of the article?

　　A. REM Sleep B. Two Types of Sleep C. Sleepers D. What Happens to Sleepers