A. heavy e-mail traffic

B. fraudulent e-mail messages

C. large volume of messages

D. increasing amount of unwanted e-mail

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. If 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. If 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.