Insurance is the sharing of (1) . Nearly everyone is exposed (2) risk 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) stun 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,
苹果成就了乔布斯。乔布斯一手缔造了苹果的商业传奇。乔布斯为世人留存了巨大的精神财富和启示。阅读材料，回答问题。
材料一 1997年，苹果公司已经亏损9亿多美元，几近破产边缘，乔布斯重返苹果公司，对公司进行了整顿并采取了一系列措施。将公司经营定位为产品至上、追求完美。逐一评估苹果公司项目，保留了倾向于消费者市场的最优秀和能盈利的10个产品。注重产品使用的便利性的和愉悦感，让简洁成为所有苹果产品的通用语言。早于竞争对手和电子元件制造商签订供贷协议，以更低的价格拿到原材料。设立全球的体验店，提供丰富的软件下载服务。 正是凭借乔布斯的诸多创新之举，引领苹果公司近年来在全球IT业突飞猛进，现在，苹果市值已跃居全球公司之首。
材料二 “活着，就是为了改变世界”是乔布斯的一句名言，正如众人的评价所说，他做到了。乔布斯两次创造苹果公司，并将其发展为全球最赚钱的公司。在整个职业生涯的不同阶段，即使在被苹果公司“炒鱿鱼”，跟死亡一次一次赛跑的时光里，他以多种方式改变了全球的科技和媒体行业，影响了人们的生活方式，创造了后人难以超越的成就。
材料三 目前我国每年的创业新增人数不到5％，远低于世界平均水平。乔布斯的离去引发大家对“下一个苹果，能否砸中中国创业者”话题的思考。调查显示，创业艰难的不光是融资难、贷款难，知识、技能和信息的缺乏也是很大困难；从注册一家公司到开业平均所必经的审批步骤，中国内地需要111天，过7道关；对养老、医疗等方面的顾虑和担忧，创业者背负了不少的精神压力；侵犯知识产权现象时有发生，也妨害创业的积极性。
It may not be much to look at. But beneath that humble exterior beats an air-cooled engine. It won’t boil over and ruin your piston rings. It won’t freeze over and ruin your life. It’s in the back of the car for better traction on snow and sand. And it will give you about 29 miles to a gallon of gas.
After a while you get to like so much about the VW, you even get to like what it looks like.
You find that there’s enough legroom for almost anybody’s legs. Enough headroom for almost anybody’s head. With a hat on it. Snug-fitting bucket seats. Doors that close so well you can hardly close them. They’re so airtight, it’s better to open the window a crack first!
Those plain wheels are each suspended independently. So when a bump makes one wheel bounce, the bounce doesn’t make the other wheel bump. It’s things like you pay the
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