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单项选择：Text 4 The world is undergoing tremendous changes. The rise of globalization, both an economic and cultural trend that has swept throughout the world, has forged new ground as we enter the 21st century. But are the effects of globalization always positive Some say no. Michael Tenet, head of the International Institute for Foreign Relations in Atlanta, is worried about current resentment throughout the world toward the rise of globalization. "Ever since the 1980s and the economic collapse of the Asian Tigers in the late 1990s, there has been a re-evaluation of the role of globalization as a force for good," he said. "Incomes in many countries has declined and the gap between the most rich and the most poor has been aggravated. Without further intervention by governments, we could see a tragedy expressed in an increased level of poverty throughout the Latin America and Asia." Yet George Frank, an influential economist who works on Wall Street, sees no such danger "Economic liberalization, increased transparency and market based reforms have positive effect in the long run, even if market mechanisms can produce short-term destabilization problems," he said. "What is most important is that barriers to trade continue to fall so that active competition for consumer goods reduces prices and in turn raises the average level of income." Others feel that globalization's cultural impact may be more important than its economic implications. Janice Yawee, a native of Africa, feels strongly that globalization is undermining her local culture and language. "Most of the world's dialects will become extinct under globalization. We're paving the world with McDonald's and English slang. It tears me up inside," she said. Governments of different countries have had mixed responses to the wave of globalization. The United States is generally seen as an active proponent of greater free trade, and it certainly has enormous cultural influence by virtue of its near monopoly on worldwide entertainment. But other countries, most notably in Europe and developing nations, have sought to reduce the impact that globalization has on their domestic affairs. "When I was a boy we had very little to speak of," says one Singaporean resident. "Now our country has developed into a booming hub for international finance." Others, however, are not so optimistic. "Globalization is an evil force that must be halted," a union official at a car plant in Detroit recently commented, "It's sucking away jobs and killing the spirit of our country." Notes: slang 俚语。tear up撕碎，挖开。proponent支持者，拥护者。hub轮毂，中心。suck away减少。 When mentioning Janice Yawee, the author is talking about（）
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单项选择：Text 2 Under pressure from animal welfare groups, two national science teachers associations have adopted guidelines that ban classroom experiments harming animals. The National Association of Biology Teachers and the National Science Teachers Association hope to end animal abuse in elementary and secondary schools and, in turn, discourage students from mishandling animals in home experiments and science fair projects. Animal welfare groups are apparently most concerned with high school students experimenting with animals in extracurricular projects. Barbara Orlans, President of the Scientists' Center for Animal Welfare, said that students have been performing surgery at random, testing known poisonous substances, and running other pathology experiments on animals without even knowing normal physiology. At one science fair, a student cut off the leg and tail of a lizard to demonstrate that only the tail can regenerate, she said. In another case, a student bound sparrows, starved them and observed their behavior. "The amount of abuse has been quite horrifying," Orlans said. Administrators of major science fairs are short-tempered over the teachers' policy change and the impression it has created. "The teachers were sold a bill of goods by Barbara Orlans,' said Thurman Grafton, who heads the rules committee for the International Science and Engineering Fair. "Backyard tabletop surgery is just nonsense. The new policies throw cold water on students' inquisitiveness," he said. Grafton said he wouldn't deny that there hasn't been animal abuse among projects at the international fair, but he added that judges reject contestants who have unnecessarily injured animals. The judges have a hard time monitoring local and regional fairs that may or may not choose to comply with the international fair's rules that stress proper care of animals, Grafton said. He said that several years ago, the Westinghouse Science Talent Search banned harmful experiments to animals when sponsors threatened to cancel their support after animal welfare groups lobbied for change. The teachers adopted the new policies also to fend off proposed legislation—in states including Missouri and New York--that would restrict or prohibit experiments on animals. Officials of the two teachers organizations say that they don't know how many animals have been abused in the classroom. On the one hand, many biology teachers are not trained in the proper care of animals, said Wayne Moyer, executive director of the biology teachers' association. On the other, the use of animals in experiments has dropped in recent years because of school budget cuts. The association may set up seminars to teach better animal care to its members. Notes: pathology 病理学。lizard蜥蜴。tabletop桌面。short-tempered 脾气。lobby for 游说支持。 fend off 躲开。 The title which best expresses the content of the text is（）
以死亡为保险事故的保单的保费，女性与男性相比( )。
相互保险公司的投保人具有的双重身份是指( )。
保险费率厘定的合理性原则是指( )。
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