<?xml version="1.0" encoding="utf-8"?>
<catalog>
	<question>
		<phrase isaudiomp3="1" mp3="audio/1.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question6.jpg" mp3="audio/6.mp3" exercise_type="" questionmode="" choicemode="" answerbankid="" answerbankmode="" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[The cost and availability of health insurance is one of the greatest (1) ###### of company (2) ######. A covered employee should be familiar with the terms and conditions of the insurance (3) ######. Although the insured pays a (4) ###### of the cost of his or her coverage through (5) ###### deductions, the employer generally covers most of the cost. Self-employed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums. Traditionally, the insurance carrier will (6) ###### most of the charges related to medical care, although the insured might be responsible for a small portion. Although the company or association negotiates the most (7) ###### terms they can, most experts (8) ###### that employees should be on the lookout for (9) ###### that might better suit their needs. (10) ###### of the cost of premiums, the most important (11) ###### of good health insurance is that it meets the needs of the insured and (12) ###### the least possible cost for necessary procedures.]]></question>
		<answer isaudiomp3="1" picture="images/c0.jpg" mp3="audio/0.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/0.jpg" rationale="Correct." value="1" choicesay="concerns"><![CDATA[concerns]]></answer>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.jpg" rationale="Correct." value="1" choicesay="personnel"><![CDATA[personnel]]></answer>
		<answer isaudiomp3="1" picture="images/c2.jpg" mp3="audio/2.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/2.jpg" rationale="Correct." value="1" choicesay="policy"><![CDATA[policy]]></answer>
		<answer isaudiomp3="1" picture="images/c3.jpg" mp3="audio/3.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/3.jpg" rationale="Correct." value="1" choicesay="portion"><![CDATA[portion]]></answer>
		<answer isaudiomp3="1" picture="images/c4.jpg" mp3="audio/4.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/4.jpg" rationale="Correct." value="1" choicesay="salary"><![CDATA[salary]]></answer>
		<answer isaudiomp3="1" picture="images/c5.jpg" mp3="audio/5.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/5.jpg" rationale="Correct." value="1" choicesay="allow"><![CDATA[allow]]></answer>
		<answer isaudiomp3="1" picture="images/c6.jpg" mp3="audio/6.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/6.jpg" rationale="Correct." value="1" choicesay="suitable"><![CDATA[suitable]]></answer>
		<answer isaudiomp3="1" picture="images/c7.jpg" mp3="audio/7.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/7.jpg" rationale="Correct." value="1" choicesay="emphasize"><![CDATA[emphasize]]></answer>
		<answer isaudiomp3="1" picture="images/c8.jpg" mp3="audio/8.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/8.jpg" rationale="Correct." value="1" choicesay="alternatives"><![CDATA[alternatives]]></answer>
		<answer isaudiomp3="1" picture="images/c9.jpg" mp3="audio/9.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/9.jpg" rationale="Correct." value="1" choicesay="regardless"><![CDATA[regardless]]></answer>
		<answer isaudiomp3="1" picture="images/c10.jpg" mp3="audio/10.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/10.jpg" rationale="Correct." value="1" choicesay="aspect"><![CDATA[aspect]]></answer>
		<answer isaudiomp3="1" picture="images/c11.jpg" mp3="audio/11.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/11.jpg" rationale="Correct." value="1" choicesay="incurs"><![CDATA[incurs]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/1.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question1.jpg" mp3="audio/1.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[The cost and availability of health insurance is]]></question>
		<saythis><![CDATA[The cost and availability of health insurance is]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="The cost and availability of health insurance is"><![CDATA[The cost and availability of health insurance is]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/2.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question2.jpg" mp3="audio/2.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[one of the greatest concerns of company personnel.]]></question>
		<saythis><![CDATA[one of the greatest concerns of company personnel.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="one of the greatest concerns of company personnel"><![CDATA[one of the greatest concerns of company personnel.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/3.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question3.jpg" mp3="audio/3.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[A covered employee should be familiar with]]></question>
		<saythis><![CDATA[A covered employee should be familiar with]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="A covered employee should be familiar with"><![CDATA[A covered employee should be familiar with]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/4.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question4.jpg" mp3="audio/4.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[the terms and conditions of the insurance policy.]]></question>
		<saythis><![CDATA[the terms and conditions of the insurance policy.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="the terms and conditions of the insurance policy"><![CDATA[the terms and conditions of the insurance policy.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/5.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question5.jpg" mp3="audio/5.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[Although the insured pays a portion]]></question>
		<saythis><![CDATA[Although the insured pays a portion]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="Although the insured pays a portion"><![CDATA[Although the insured pays a portion]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/6.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question6.jpg" mp3="audio/6.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[of the cost of his or]]></question>
		<saythis><![CDATA[of the cost of his or]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="of the cost of his or"><![CDATA[of the cost of his or]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/7.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question7.jpg" mp3="audio/7.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[her coverage through salary deductions, the]]></question>
		<saythis><![CDATA[her coverage through salary deductions, the]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="her coverage through salary deductions the"><![CDATA[her coverage through salary deductions, the]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/8.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question8.jpg" mp3="audio/8.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[employer generally covers most of the cost.]]></question>
		<saythis><![CDATA[employer generally covers most of the cost.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="employer generally covers most of the cost"><![CDATA[employer generally covers most of the cost.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/9.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question9.jpg" mp3="audio/9.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[Self-employed persons can arrange for]]></question>
		<saythis><![CDATA[Self-employed persons can arrange for]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="Selfemployed persons can arrange for"><![CDATA[Self-employed persons can arrange for]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/10.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question10.jpg" mp3="audio/10.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[their own insurance or join an]]></question>
		<saythis><![CDATA[their own insurance or join an]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="their own insurance or join an"><![CDATA[their own insurance or join an]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/11.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question11.jpg" mp3="audio/11.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[association of those performing similar work]]></question>
		<saythis><![CDATA[association of those performing similar work]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="association of those performing similar work"><![CDATA[association of those performing similar work]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/12.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question12.jpg" mp3="audio/12.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[in order to get lower premiums.]]></question>
		<saythis><![CDATA[in order to get lower premiums.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="in order to get lower premiums"><![CDATA[in order to get lower premiums.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/13.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question13.jpg" mp3="audio/13.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[Traditionally, the insurance carrier will allow]]></question>
		<saythis><![CDATA[Traditionally, the insurance carrier will allow]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="Traditionally the insurance carrier will allow"><![CDATA[Traditionally, the insurance carrier will allow]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/14.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question14.jpg" mp3="audio/14.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[most of the charges related to]]></question>
		<saythis><![CDATA[most of the charges related to]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="most of the charges related to"><![CDATA[most of the charges related to]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/15.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question15.jpg" mp3="audio/15.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[medical care, although the insured might]]></question>
		<saythis><![CDATA[medical care, although the insured might]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="medical care although the insured might"><![CDATA[medical care, although the insured might]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/16.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question16.jpg" mp3="audio/16.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[be responsible for a small portion.]]></question>
		<saythis><![CDATA[be responsible for a small portion.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="be responsible for a small portion"><![CDATA[be responsible for a small portion.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/17.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question17.jpg" mp3="audio/17.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[Although the company or association negotiates the]]></question>
		<saythis><![CDATA[Although the company or association negotiates the]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="Although the company or association negotiates the"><![CDATA[Although the company or association negotiates the]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/18.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question18.jpg" mp3="audio/18.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[most suitable terms they can, most experts emphasize]]></question>
		<saythis><![CDATA[most suitable terms they can, most experts emphasize]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="most suitable terms they can most experts emphasize"><![CDATA[most suitable terms they can, most experts emphasize]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/19.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question19.jpg" mp3="audio/19.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[that employees should be on the lookout]]></question>
		<saythis><![CDATA[that employees should be on the lookout]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="that employees should be on the lookout"><![CDATA[that employees should be on the lookout]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/20.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question20.jpg" mp3="audio/20.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[for alternatives that might better suit their needs.]]></question>
		<saythis><![CDATA[for alternatives that might better suit their needs.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="for alternatives that might better suit their needs"><![CDATA[for alternatives that might better suit their needs.]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/21.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question21.jpg" mp3="audio/21.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[ regardless of the cost of premiums, the]]></question>
		<saythis><![CDATA[ regardless of the cost of premiums, the]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="regardless of the cost of premiums the"><![CDATA[ regardless of the cost of premiums, the]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/22.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question22.jpg" mp3="audio/22.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[most important aspect of good health insurance is]]></question>
		<saythis><![CDATA[most important aspect of good health insurance is]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="most important aspect of good health insurance is"><![CDATA[most important aspect of good health insurance is]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/23.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question23.jpg" mp3="audio/23.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[that it meets the needs of the insured]]></question>
		<saythis><![CDATA[that it meets the needs of the insured]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="that it meets the needs of the insured"><![CDATA[that it meets the needs of the insured]]></answer>
	</question>
	<question>
		<phrase isaudiomp3="1" mp3="audio/24.0.mp3"></phrase>
		<question isaudiomp3="1" rationale="0" picture="images/question24.jpg" mp3="audio/24.mp3" exercise_type="say" questionmode="" choicemode="" answerbankid="" answerbankmode="hidden" rationalemode="" playonload="" mp3speed="" ttsspeed="" passage="1" show_passage="" show_passage_audioplayer="" passage_audio_type="" showvideo="" video="" enable_audio_recorder="" recorder_mode=""><![CDATA[and incurs the least possible cost for necessary procedures.]]></question>
		<saythis><![CDATA[and incurs the least possible cost for necessary procedures.]]></saythis>
		<answer isaudiomp3="1" picture="images/c1.jpg" mp3="audio/1.1.mp3" isrationalemp3="1" rationalemp3="audio/correct.mp3" rationaleimage="images/rationale/1.1.jpg" rationale="Correct." value="1" choicesay="and incurs the least possible cost for necessary procedures"><![CDATA[and incurs the least possible cost for necessary procedures.]]></answer>
	</question>
</catalog>