Look at the travel insurance notice. Using NO MORE THAN THREE WORDS FROM THE PASSAGE answer each of these questions.

1. What item is covered in addition to health and medical expenses? Answer
Answer

3. What is special about the coverage for the United States? Answer

The Youth Adventure Package is an affordable ‘just in case’ backup plan, so you aren’t hit with unexpected medical costs while on the adventure of a lifetime. You’ll be a long way from home. If you have an unexpected illness or, accidental injury, we’ll be there to help and ensure you get the care you need.

Our emergency travel assistance services are available from anywhere in the world at any time of the day or night.

A.    Even for young healthy travelers, sickness or accidental injury can happen at any time. Charges for hospital stays can be thousands of dollars per day not including doctor’s fees and diagnostic services. This easily adds up to a devastating financial loss. You are on the adventure of a lifetime and don’t want to be burdened with a medical bill or to pay for lost luggage.

B.     Travel insurance is intended to cover sudden, unexpected and unforeseeable circumstances. Your plan is comprised of 4 different coverages. For more information, please read the Benefits under each.

C.    The Youth Adventure Package does not cover everything. This insurance has some exclusions. You should read and understand them before you travel. Prior-existing medical conditions may be excluded. Any medical condition you are aware of prior to the effective date of coverage, whether diagnosed or not, may not be covered. Sickness or accidental injury that occurs as a result of the use of illegal drugs is not covered.

D.    We are dedicated to protecting your privacy. Your medical history will be collected when required and will only be used or disclosed for the purpose of adjudicating the claim.

E.    Yes, you can. Just call your agent no sooner than 7 days prior to the expiry of your policy. You can purchase an extension if you are in good health and have not filed any claims on the policy.

F.    You are covered for any country outside of the USA. However, only 5 days transit is allowed through the USA.

Look at the travel insurance notice. Using NO MORE THAN THREE WORDS FROM THE PASSAGE answer each of these questions.

1. What item is covered in addition to health and medical expenses?____________ Answer
Answer

3. What is special about the coverage for the United States?_______________- Answer

The Youth Adventure Package is an affordable ‘just in case’ backup plan, so you aren’t hit with unexpected medical costs while on the adventure of a lifetime. You’ll be a long way from home. If you have an unexpected illness or, accidental injury, we’ll be there to help and ensure you get the care you need.

Our emergency travel assistance services are available from anywhere in the world at any time of the day or night.

A.    Even for young healthy travelers, sickness or accidental injury can happen at any time. Charges for hospital stays can be thousands of dollars per day not including doctor’s fees and diagnostic services. This easily adds up to a devastating financial loss. You are on the adventure of a lifetime and don’t want to be burdened with a medical bill or to pay for lost luggage.

B.     Travel insurance is intended to cover sudden, unexpected and unforeseeable circumstances. Your plan is comprised of 4 different coverages. For more information, please read the Benefits under each.

C.    The Youth Adventure Package does not cover everything. This insurance has some exclusions. You should read and understand them before you travel. Prior-existing medical conditions may be excluded. Any medical condition you are aware of prior to the effective date of coverage, whether diagnosed or not, may not be covered. Sickness or accidental injury that occurs as a result of the use of illegal drugs is not covered.

D.    We are dedicated to protecting your privacy. Your medical history will be collected when required and will only be used or disclosed for the purpose of adjudicating the claim.

E.    Yes, you can. Just call your agent no sooner than 7 days prior to the expiry of your policy. You can purchase an extension if you are in good health and have not filed any claims on the policy.

F.    You are covered for any country outside of the USA. However, only 5 days transit is allowed through the USA.

Listen to the conversation again and answer each of the following questions using no more than THREE words or a number.

1. How many characteristics of independent learners does Mike find on the website?

2. What do independent learners take responsibility for?

3. What do they use to help them achieve their learning goals?

4. What are they not afraid of doing?

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 43 to 50.

Another critical factor that plays a part in susceptibility to colds is age. A study done by the University of Michigan School of Public Health revealed particulars that seem to hold true for the general population. Infants are the most cold-ridden group, averaging more than six colds in their first year. Boys have more colds than girls up to age three. After the age of three, girls are more susceptible than boy's , and teenege girls average three colds a year to boy’s two.

The general incidence of continues to decline into maturity. Elderly people who are in good health have as few as one or two colds annually. One exception is founds among people in the twenties, especially women, who show a rise in cold infections, because people in this age group are most likely to have young children. Adults who delay having children until thirties forties experience the same sudden increase in cold infections.

The study also found that economics play an important role. As income increases, the frequency at which are reported in the family decreases. Families with the lowest income suffer about a third more colds than families at the lower end. Lower income generally forces people to live in more cramped quarters than those typically occupied by wealthier by wealthier people, and crowding increases the opportunities for the cold virus to travel from person to person. Low income may also adversely influence diet. The degree to which poor nutrition affects susceptibility to colds is not yet clearly established, but an inadequate diet is suspected of lowering resistance

What does the author claim about the study discussed in the passage?

A. It contains many inconsistencies

B. It specializes in children

C. It contradicts the results of earlier studies in the field

D. Its results apparently are relevant for the population as a whole

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 39 to 43.

Accidents do not occur at random. People eighty-five years of age and older are twenty-two times likely to die accidentally than are children five to nine years old. The risk for native Americans is four times that for Asian-Americans and twice that for white Americans or African-Americans. Males suffer accidents at more than twice the rate of females, in part because they are more prone to risky behavior. Alaskans are more than three times as likely as Rhode Islanders to die in an accident. Texans are twenty-one times more likely than New Jerseyites to die in a natural disaster. Among the one hundred most populous counties, kern County, California (Bakersfield), has an accident fatality rate three times greater than Summit County, Ohio (Akron).

Accidents happens more often to poor people. Those living in poverty receive inferior medical care, are more apt to reside in houses with faulty heating and electrical systems, drive older cars with fewer safety features, and are less likely to use safety belts. People in rural areas have more accidents than city or suburban dwellers because farming is much riskier than working in a factory or office and because emergency medical services are less readily available. These two factors – low income and rural residence – may explain why the south has a higher accident rate than the north.

What does the word "that" in the passage refer to?

A. males

B. native Americans

C. the risk

D. African-Americans

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions.

  Accidents do not occur at random. People eighty-five years of age and older are twenty-two times likelyto die accidentally than are children five to nine years old. The risk for native Americans is four times that for Asian-Americans and twice that for white Americans or African-Americans. Males suffer accidents at more than twice the rate of females, in part because they are more prone to risky behavior. Alaskans are more than three times as likely as Rhode Islanders to die in an accident. Texans are twenty-one times more likely than New Jerseyites to die in a natural disaster. Among the one hundred most populous counties, Kern County, California (Bakersfield), has an accident fatality rate three times greater than Summit County, Ohio (Akron).

  Accidents happens more often to poor people. Those living in poverty receive inferior medical care, are more apt to reside in houses with faulty heating and electrical systems, drive older cars with fewer safety features, and are less likely to use safety belts. People in rural areas have more accidents than city or suburban dwellers because farming is much riskier than working in a factory or office and because emergency medical services are less readily available. These two factors - low income and rural residence - may explain why the south has a higher accident rate than the north.

(Source: Proficiency Reading)

What does the word “that” in the passage refer to?

A. males

B. native Americans

C. the risk

D. African-Americans

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 43 to 50.

Another critical factor that plays a part in susceptibility to colds is age. A study done by the University of Michigan School of Public Health revealed particulars that seem to hold true for the general population. Infants are the most cold-ridden group, averaging more than six colds in their first year. Boys have more colds than girls up to age three. After the age of three, girls are more susceptible than boy's , and teenege girls average three colds a year to boy’s two.

The general incidence of continues to decline into maturity. Elderly people who are in good health have as few as one or two colds annually. One exception is founds among people in the twenties, especially women, who show a rise in cold infections, because people in this age group are most likely to have young children. Adults who delay having children until thirties forties experience the same sudden increase in cold infections.

The study also found that economics play an important role. As income increases, the frequency at which are reported in the family decreases. Families with the lowest income suffer about a third more colds than families at the lower end. Lower income generally forces people to live in more cramped quarters than those typically occupied by wealthier by wealthier people, and crowding increases the opportunities for the cold virus to travel from person to person. Low income may also adversely influence diet. The degree to which poor nutrition affects susceptibility to colds is not yet clearly established, but an inadequate diet is suspected of lowering resistance

There is information in the second paragraph of the passage to support which of the following conclusions?

A. Men are more susceptible to cold than women

B. Children infect their parents with colds.

C. People who live in a cold climate have more colds than those who live in a warm one.

D. People who don’t have children are more susceptible to colds than those who do

Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 43 to 50.

Another critical factor that plays a part in susceptibility to colds is age. A study done by the University of Michigan School of Public Health revealed particulars that seem to hold true for the general population. Infants are the most cold-ridden group, averaging more than six colds in their first year. Boys have more colds than girls up to age three. After the age of three, girls are more susceptible than boy's , and teenege girls average three colds a year to boy’s two.

The general incidence of continues to decline into maturity. Elderly people who are in good health have as few as one or two colds annually. One exception is founds among people in the twenties, especially women, who show a rise in cold infections, because people in this age group are most likely to have young children. Adults who delay having children until thirties forties experience the same sudden increase in cold infections.

The study also found that economics play an important role. As income increases, the frequency at which are reported in the family decreases. Families with the lowest income suffer about a third more colds than families at the lower end. Lower income generally forces people to live in more cramped quarters than those typically occupied by wealthier by wealthier people, and crowding increases the opportunities for the cold virus to travel from person to person. Low income may also adversely influence diet. The degree to which poor nutrition affects susceptibility to colds is not yet clearly established, but an inadequate diet is suspected of lowering resistance

The author’s main purpose in writing the last paragraph of the passage is to _______

A. Explain how cold viruses are transmitted

B. Prove that a poor diet cause colds

C. Discuss the relationship between income and frequency of colds

D. Discuss the distribution of income among the people in the study