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【参考范文】　　More and more graduates are going out of universities and entering into the society every year while the demand on the job market remains stable. The college students are facing greater and greater pressure in job-hunting.　　There are many reasons behind the current phenomenon. To begin with, the economy has been confronted with depression in recent years on a global level, and it takes time for the worldwide economy to recover. Whats more, there is an element of irrationality in the enrollment of the campuses. Some hot majors have enrolled too many students, and many people compete for one position after graduation, whereas the majors with little attention have few students, and more graduates are needed than the campus can supply.　　The solution to this problem lies with both the government as a whole and the individual in specific. The government takes whatever measures possible to help the economy recover and to create more job opportunities for the applicants. And for the individual students, it is better to study what they are interested in and to gain experience through practice, thus better prepared for the society. 　Part II Reading Comprehension (Skimming and Scanning)　　原文精译　　【1】给自己的事业买最好的保险　　消防队无意之中淹没了Mad Gabs的总部，Mad Gabs是Gabrielle Melchionda二十多年前建立的美容公司。尽管Melchionda知道，保险公司会替她换掉损坏的桌椅、电脑以及唇膏架子，但她仍泪流满面。然而，让她吃惊的是，随后几个月，才是真正的痛苦，她一直亏欠工资和租金，销售额慢的像涓涓细流。　　【2】Melchionda女士说，“没有投保最重要的企业停顿保险”。她已经投保了财产险和责任险，却从没有想到多买一张保单，以承担事故之后的收入损失。　　企业主们有很多类似Melchionda女士的经历。他们的很多保单要么不足以涵盖所有损失，要么投保了错误的风险。关于保险的怨言，有些可以归咎于吝啬的保险公司或信息有误的代理人，更多却是因为企业家自己的保险决策不够全面。　　独立的保险代理人Steven Spiro说，“一般来讲，干小生意的人并不太清楚他们拥有或需要的保险范围”。他解释，这些人买保险只是为了遵守办公室租赁条约的要求。　　选择代理人　　【3】买保险可能让人胆怯，很难知道哪些人是想利用你，哪些人是给你忠告。所以你应该咨询同行的企业家们，他们购买了何种保险以及是向谁购买的。有三类人可以帮你选择保险：独立代理人，专属代理人，风险咨询师。　　独立代理人，别称“经纪人”，因为他们代表很多家保险公司，所以可以提供很好的选择。保险公司付他们佣金，一般是一张保单每年保险费的10%到20%。注意：由于某些保险公司付给更多佣金，这些经纪人可能受到诱惑，会有私心和偏爱。　　专属代理人代表某一家保险公司，从该保险公司领取薪水，并对其绝对忠诚。一些诸如Allstate的公司只和自己的代理人打交道;也就是说，你只能通过该家保险公司的代理人来购买此公司的保险。　　每年年末，按照卖出去的保险和赔偿损失之间