Insurance

1. Insurance plays a central role in the functioning of modern economies. Life insurance offers protection against the economic impact of an untimely death; health insurance covers the sometimes extraordinary costs of medical care; and bank deposits are insured by the federal government. In each case a small premium is paid by the insured to receive benefits should an unlikely but high-cost event occur.

2. An understanding of insurance must begin with the concept of risk, or the variation in possible outcomes of a situation. A shipment of goods to Europe might arrive safely or might be lost in transit. A person may incur zero medical expenses in a good year, but if he is struck by a car, they could be upward of $100,000.

3. We cannot eliminate risk from life, even at extraordinary expense. Paying extra for double-hulled tankers still leaves oil spills possible. The only way to eliminate auto-related injuries is to eliminate automobiles. Thus, the effective response to risk combines two elements: efforts or expenditures to lessen the risk, and the purchase of insurance against the risk that remains.

Определитеосновнуюидеютекста.}

+: {Paying a small premium for insurance can protect you from high expenses in future.}

-: {The risk cannot be eliminated from our life.}

-: {You can eliminate risk by eradicating the cause of the risk.}

-: {Health insurance can cover extraordinary costs of medical care.}

V1: {Письмо}

V2: {Оформление делового письма}

I: {{168}}

Q: {Расположите части делового письма в правильном порядке.}

1: { Mahoney and Milliman, Inc

151 Benson Street

Bronx, NY 10465}

2: {2 May 2008}

3: {RBM Manufacturing Company, Inc}

421 Ninth Avenue

New York, NY 10055}

4: {Dear Sir or Madam,}

5: {We intend to purchase a new office copier before the end of the fiscal year. We would like to consider and RBM copier and wonder if you have a model that would suit our needs.}

6: {Yours sincerely,}

7: {William Wilson

Office manager}

I: {{169}}

Q: {Расположите части делового письма в правильном порядке.}

1: {Maxine Sportswear Co., Inc.}

842 Seventh Avenue

New York, NY 19918

2: {June 10, 2004}

3: {Mrs. Sharon Tong}

693 Felham Parkway

Bronx, New York 10422

4: {Dear Mys. Tong:}

5: {We certainly appreciate your interest in Maxine Sportswear. Nevertheless, I am afraid I cannot supply you with the information you requested. Because we do not sell our garments directly to the consumer, we try to keep our wholesale prices between ourselves and our dealers.}

6: {Very truly yours,}

7: {S. Granville

Sales Manager}

I: {{170}}

Q: {Расположите части делового письма в правильном порядке.}

1: {NORP

Freeport High School

Freeport, VT 66622}

2: {October 15, 2002}

3: {Ms. Iva Stravinsky

Attorney-at-Law

200 Center Street

Freeport, VT 66622}

4: {Dear Ms. Stravinsky:}

5: {The membersза the Freeport chapter of the Nation Organization of Retired Persons would indeed be interested in a lecture on “Proposed Changes in the Finencing of Medicare”. Therefore, with much appreciation, I accept your offer to address our club.}

6: {Yours truly,}

7: {Henry Purcell

President}

I: {{171}}

S: {Расположите части делового письма в правильном порядке.}

1: {Western Shoe Company Ltd.

Yeovil, Somerset S19 3AF

England}

2: {16 October 2008}

3: {Fournier at Cie SA

14 Avenue Ravigny

Paris XV

France}

4: {Dear Sirs:}

5: {We thank you for your inquiry of 12 October, and appreciate your interest in our products. Details of our export prices and terms of payment are enclosed, and we have arranged for a copy of our catalogue to be sent to you today.}

6: {Yours faithfully,}

7: {M. Smith

Export Sales Manager}

I: {{172}}

Q: {Расположите части делового письма в правильном порядке.}

1: {Silver Imports, Ltd.

609 San Anselmo Avenue

San Anselmo, California 94960}

2: {March 4, 2009}

3: {Ms. Bonnie Corum

1201 East Grand Avenue

Chicago, Illinois 60611}

4: {Dear Ms. Corum,}

5: {Thank you for your inquiry about our silver broches. I am enclosing brochures on our jewelry products. We will be glad to see you at our annual silver exhibition.}

6: {Sincerely yours,}

7: {Louisa Collin

Marketing Manager}