阅读理解Insuranceisthesharingofrisks．Nearlyeveryoneisexposedtorisksofsomesort．Thehouseowner,forexample,knowsthathispropertycanbedamagedbyfire;theshipownerknowsthathisvessel(船)maybelostatse

　　阅读理解

　　Insuranceisthesharingofrisks．Nearlyeveryoneisexposedtorisksofsomesort．Thehouseowner,forexample,knowsthathispropertycanbedamagedbyfire;theshipownerknowsthathisvessel(船)maybelostatsea;thefatherknowsthathemaydieatanearlyageandleavehisfamilythepoorer．Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellostatsea．Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeettheneedsofthefewwhodosufferloss．Inotherwords,thelossesofthefewaremetfromthecontributionsofthemany．Thisisthebasisofinsurance．Thosewhopaythecontributionsareknownas“insured”andthosewhocontrolthepoolofcontributionsas“insurers”．

　　Notallrisksleadthemselvestobeingcoveredbyinsurance．Broadlyspeaking,theordinaryrisksofbusinesscannotbecovered．Theriskthatbuyerwillnotbuygoodsatthepricesofferedisnotofakindthatcanbeestimated(估计)innumbers－andriskscanonlybeinsuredagainstiftheycanbeestimated．

　　Thelegalbasisofallinsuranceisthe“policy”．Itstatesthatinreturnforregularpaymentbytheinsuredofanamedsumofmoney,calledthe“premium(保险费)”,whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyforloss,iftheriskoreventinsuredagainstactuallyhappens．

　　(1)

　　Accordingtothewriter,insuranceispossiblebecause________．

　　[]A．

　　almosteveryonesuffersloss

　　B．

　　onlyinsuredpeoplesuffersloss

　　C．

　　everyonesufferslosssometimes

　　D．

　　onlyasmallnumberoftheinsuredsufferloss

　　(2)

　　The“basisofinsurance”refersto________．

　　[]A．

　　thechancesofrisks

　　B．

　　theexposingtorisks

　　C．

　　thepaymentofcontributions

　　D．

　　themanagementofcontributions

　　(3)

　　By“thepoolofcontributions”thewritermeans________．

　　[]A．

　　asm