Ex. 6.1. Раскройте скобки в диалогах, поставив глаголы в Present Perfect или Past Simple.

1 A: Have you ever been (you / ever / be) to Kyoto?

B: Yes, I have. I went (go) there last year.

A: How long did you stay (you/stay)?

B: I was (be) only there for a couple of days for a meeting.

2 A: ________________ (you/ever/be) to Europe?

B: Yes, I have. We __________ (have) a skiing holiday in the Alps last year.

A: Which resort _____________(you go) to?

B: We __________ (go) to Wengen.

3 A: _________________ (you/ever/be) to one of Karl Mason’s seminars?

B: Yes, I have. I __________ (go) to one a couple of months ago.

A: What ___________ (it/be) like?

B: I __________ (think) it __________ (be) very interesting.

4 A: __________ (you/ever/visit) the Frankfurt office?

B: No, I _________________ (never/visit) Germany, but I ____________ (be) to France.

A: Really. When (you/do) that?

B: I __________ (give) some talks there a couple of years ago.

Ex. 6.2. For and since. Некоторые предложения верны, а некоторые нет. Поставьте галочку напротив предложений, которые верны и исправьте те предложения, которые неверны.

Например: 1 I am here since last week. I have been here…

2 I’ve had the same company car for two years.

…………………………………………………………………….

3 I know Mia since we were at INSEAD together.

…………………………………………………………………….

4 How long are you with Microsoft?

…………………………………………………………………….

5 We have had an office in Adelaide for several years.

…………………………………………………………………….

6 She has an account with HSBC bank since 1998.

…………………………………………………………………….

7 CPT is in financial difficulties for several months.

……………………………………………………………………..

8 How long has the office been vacant?

……………………………………………………………………...

Ex. 6.3. How long …?, for and since

Составьте вопросы и ответьте на них.

1 How long / you / be / in charge of the Finance Department?

A: How long have you been in charge of the Finance Department?

B: (I / six months) I have been in charge of it for six months.

2 How long / you / have a website for investors?

A: _____________________________________________________

B: (We / three months)

_____________________________________________________

3 How long / the property/be on the market?

A: _____________________________________________________

B: (We/2000)

_____________________________________________________

4 How long / Jason / be in the States?

A: _____________________________________________________

B: (He / the 18^th)

_____________________________________________________

Ex. 6.4. Перепишите предложения, используя отрицательную форму Present Perfect с for or since.

1 The last time I saw Mr Ng was in September.

I haven’t seen Mr Ng since September.

2 The last time the company made a profit was three years ago.

……………………………………………………………………

3 The last time I had a pay rise was two years ago.

……………………………………………………………………

4 The last time we looked at their proposal was in July.

……………………………………………………………………

5 The last time we raised our prices in real terms was in 2002.

……………………………………………………………………

6 The last time we played golf together was three months ago.

……………………………………………………………………

7 The last time there was a fall in unemployment here was in 2001.

……………………………………………………………………

8 The last time I went on a sales trip abroad was in January.

……………………………………………………………………

Ex. 6.5. Продолжите предложения, используя глагол в Present Perfect в отрицательной форме (e.g. I haven’t done …) и предлоги for или since.

Например:

1 I’m not sure what my bank balance is. I haven’t had a statement for several weeks.

2 I don’t know how my investments are doing.

……………………………………………………………………

3 I am not sure how the negotiations are going.

……………………………………………………………………

4 They used to be one of our major clients, but …

……………………………………………………………………

5 I used to be quite good at Japanese, but …

……………………………………………………………………

 

UNIT 8 INSURANCE

I Problems

Ex. 1.1. Ответьте на вопроы:

What insurance do you or your family have? What insurance do you have to have by law?

Ex. 1.2. Прочитайте предложения и скажите о каких видах страховок идет речь. Заполните пропуски словами: auto, home, commercial, life

1 _________ insurance protects business owners from certain losses, including injured workers and damage to equipment and buildings.

2 __________ insurance provides protection in the event of a death. Payment is made to the nearest relative or other named beneficiary.

3 __________ insurance protects against financial losses if you have an accident. Cover includes medical expenses. Your car is also protected against fire and theft.

4 ___________ insurance can cover fire, weather-related destruction and other losses. The policy covers the cost of labor, materials and services necessary to replace or repair building damages.

Ex. 1.3. Заполните страховые требования (insurance claims) словами:

injured damaged destroyed lost stolen

“There was an accident in the factory and two people were ¹ ________. We would like to claim for their medical expenses.”

“There was a bad storm last night and our roof was ² __________. we want to claim the cost of repairing it.”

“I’d like to claim for the theft of my car. It was ³ ________ from outside my home during the night.”

“When I was on holiday last week, I ⁴ __________ my wallet on the beach. I looked everywhere but couldn’t find it. It had? 1,000 inside!”

“We’ve had a fire in the computer room. All the equipment is completely ⁵ ________. We need to replace it as soon as possible.”

Ex. 1.4. Прочитайте первую часть интервью Айрин Фостер, страхового агента (an underwriter at the insurance company) о том, как устроена страховая компания. Соедините функции a-f с теми людьми, которые их выполняют:

Part one

Interviewer: Can you explain how an insurance company is structured?

Irene: Well, we have three main departments: life products, commercial insurance and private insurance. Each department has a manager who is in charge of the staff and takes care of general administration. Each department also has clerical staff, who answer the phone and deal with online applications and claims. They handle most applications and claims. But when there are special cases, they bring them to the underwriters, who are experts on the products handled by that department. When there is a question about an application for insurance cover, the underwriters make the decision to accept or decline the risk.

1. a manager   2. clerical staff   3. underwriters

a Take care of general administration. b Handle online and telephone applications and claims c Agree to accept a risk or not d Manage staff e Deal with the majority of applications and claims. f Take decisions on special cases.

 

Ex. 1.5. Прочитайте вторую часть диалога и ответьте на вопросы:

Part two

Interviewer: What do you mean by “special cases”?

Irene: Well, for example, if someone is applying for insurance, on the application form we ask the question: “Have you made any previous claims in the last four years?” When someone has made three claims or more in a four-year period, we see that person as “high risk” and we don’t really want to offer them cover. But there may be cases where we can review the situation. For example, a customer who made several claims for theft lived in an area of high crime. But perhaps he has now moved to a new address in a district with less crime. So we can review his case. Sometimes we agree to accept the risk but with special terms and conditions. We may quote a higher premium or offer only limited cover.

1. What example does Irene give of a “high risk” case? Complete the sentence: When someone has made _____________ claims or more in ____________.

2. What example does Irene give of a case where the company may “review the situation”?

3. What special terms does the company sometimes offer in cases of high risk? Complete the sentence: We may quote a ___________ premium or offer only limited __________.

II Insurance fraud