阅读理解Insuranceisthesharingofrisks．Nearlyeveryoneisexposedtorisksofsomesort．Thehouseownerforexampleknowsthathispropertycanbedamagedbyfire;theshipownerknowsth

　　阅读理解

　　Insuranceisthesharingofrisks．Nearlyeveryoneisexposedtorisksofsomesort．Thehouseownerforexampleknowsthathispropertycanbedamagedbyfire;theshipownerknowsthathisvessel(船)maybelostatsea;thefatherknowsthathemaydieatanearlyageandleavehisfamilythepoorer．Ontheotherhandnoteveryhouseisdamagedbyfirenoreveryvessellostatsea．Ifthesepersonseachputasmallsumintoapooltherewillbeenoughtomeettheneedsofthefewwhodosufferloss．Inotherwordsthelossesofthefewaremetfromthecontributionsofthemany．Thisisthebasisofinsurance．Thosewhopaythecontributionsareknownas“insured”andthosewhocontrolthepoolofcontributionsas“insurers”．

　　Notallrisksleadthemselvestobeingcoveredbyinsurance．Broadlyspeakingtheordinaryrisksofbusinesscannotbecovered．Theriskthatbuyerwillnotbuygoodsatthepricesofferedisnotofakindthatcanbeestimated(估计)innumbers－andriskscanonlybeinsuredagainstiftheycanbeestimated．

　　Thelegalbasisofallinsuranceisthe“policy”．Itstatesthatinreturnforregularpaymentbytheinsuredofanamedsumofmoneycalledthe“premium(保险费)”whichisusuallypaideveryyeartheinsurerwillpayasumofmoneyforlossiftheriskoreventinsuredagainstactuallyhappens．

　　(1)

　　Accordingtothewriterinsuranceispossiblebecause________．

　　[]A．

　　almosteveryonesuffersloss

　　B．

　　onlyinsuredpeoplesuffersloss

　　C．

　　everyonesufferslosssometimes

　　D．

　　onlyasmallnumberoftheinsuredsufferloss

　　(2)

　　The“basisofinsurance”refersto________．

　　[]A．

　　thechancesofrisks