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【1 】Insurance is the sharing of _(1). Nearly everyone is exposed _(2) 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. 答案： 1. risks 2. to 3. property/house 4. accident/chance 5. leave 6. small/certain 7. meet 8. loss/losses 9. many 10. insurance 11. insured 12. premium 13. by 14. high 15. business/money 16. profit 17. of 18. demand 19. level 20. buy 【2 】Motivation is “the driving force within individuals that impels them to action. ” And goals are the sought-after results _(1) motivated behavior. Motivation can be eitherpositive or negative _(2) direction. We may feel a driving force toward some object or cond