未知题型 ?Read the article below about insurance.?For each question 31-40, write one word in CAPITAL LETTERS on your Answer Sheet.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) .(31)

未知题型 听力原文：Man: It seems curious that the set of products we researched and developed earlier this year isn't included. Management made a big fuss about the launch - a big party, with a lot of press interest - and then it turns out the designer didn't think our photographs were good enough to include, so the whole section stayed exactly the same as it has done for years. It's not going to create the impression we want, frankly.(15)

未知题型 听力原文：Man: I was speaking to someone down in the Finance Department last week and they were talking about holiday allowance and flexible working, and I couldn't believe how different their allocations were. For the last five years, management have been saying how they were working for equality between departments, but I think a great deal more needs to be done. I think it's really bad for inter-departmental relations.(17)