Ⅲ. Cloze (20 points)
　　Directions:

　　For each blank in the following passage, there are four choices given below and marked A, B, C and D. Choose the one that is most suitable and mark your answer by blackening the corresponding letter on the Answer Sheet.

　　Insure means to protect _51_ a loss of money. Most people can budget their money so that their income will cover expected expenses _52_ food, clothing, housing, and public services. But, there is no way to know _53_ who will suffer a crisis (危机) such as a serious illness, fire, flood, or a car accident. Such crises usually _54_ great expense. Even if people could predict crises, it would be hard to save enough money to _55_ the expenses. Insurance is a system _56_ a company collects money from many individuals and then pays certain expenses whenever one of those insured individuals is faced with a certain crisis. An insurance policy _57_ how much the insurance costs and how much the company will pay when a policy holder is faced with a certain crisis. There are many different kinds of insurance, _58_ hospital, motor-car and fire. Insurance can be rather expensive but most people buy insurance of some kind. Insurance is something _59_ people buy and hope they will _60_ need.

　　51.A. for B. from C. against D. with

　　52.A. such as B. for example C. that D. the same as

　　53.A. predict B. ahead C. in advance D. earlier

　　54.A. result from B. make C. take D. result in

　　55.A. cover B. pay back C. fill D. make full

　　56.A. that B. by which C. what D. where

　　57. A. said B. agree C. make sure D. states

　　58.A. include B. including C. as well as D. also

　　59.A. which B. that C. as D. like

　　60.A. never B. ever C. sometimes D. often