<?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 one of the greatest concerns of company personnel.]]></question>
		<saythis><![CDATA[The cost and availability of health insurance is 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="The cost and availability of health insurance is one of the greatest concerns of company personnel"><![CDATA[The cost and availability of health insurance is one of the greatest concerns of company personnel.]]></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[A covered employee should be familiar with the terms and conditions of the insurance policy.]]></question>
		<saythis><![CDATA[A covered employee should be familiar with 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="A covered employee should be familiar with the terms and conditions of the insurance policy"><![CDATA[A covered employee should be familiar with the terms and conditions of the insurance policy.]]></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[Although the insured pays a portion of the cost of his or her coverage through salary deductions, the employer generally covers most of the cost.]]></question>
		<saythis><![CDATA[Although the insured pays a portion of the cost of his or her coverage through salary deductions, the 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="Although the insured pays a portion of the cost of his or her coverage through salary deductions the employer generally covers most of the cost"><![CDATA[Although the insured pays a portion of the cost of his or her coverage through salary deductions, the employer generally covers most of the cost.]]></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[Self-employed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums.]]></question>
		<saythis><![CDATA[Self-employed persons can arrange for their own insurance or join an association of those performing similar work 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="Selfemployed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums"><![CDATA[Self-employed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums.]]></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[Traditionally, the insurance carrier will allow most of the charges related to medical care, although the insured might be responsible for a small portion.]]></question>
		<saythis><![CDATA[Traditionally, the insurance carrier will allow most of the charges related to medical care, although the insured might 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="Traditionally the insurance carrier will allow most of the charges related to medical care although the insured might be responsible for a small portion"><![CDATA[Traditionally, the insurance carrier will allow most of the charges related to medical care, although the insured might be responsible for a small 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[Although the company or association negotiates the most suitable terms they can, most experts emphasize that employees should be on the lookout for alternatives that might better suit their needs.]]></question>
		<saythis><![CDATA[Although the company or association negotiates the most suitable terms they can, most experts emphasize that employees should be on the lookout 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="Although the company or association negotiates the most suitable terms they can most experts emphasize that employees should be on the lookout for alternatives that might better suit their needs"><![CDATA[Although the company or association negotiates the most suitable terms they can, most experts emphasize that employees should be on the lookout for alternatives that might better suit their needs.]]></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[ regardless of the cost of premiums, the most important aspect of good health insurance is that it meets the needs of the insured and incurs the least possible cost for necessary procedures.]]></question>
		<saythis><![CDATA[ regardless of the cost of premiums, the most important aspect of good health insurance is that it meets the needs of the insured 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="regardless of the cost of premiums the most important aspect of good health insurance is that it meets the needs of the insured and incurs the least possible cost for necessary procedures"><![CDATA[ regardless of the cost of premiums, the most important aspect of good health insurance is that it meets the needs of the insured and incurs the least possible cost for necessary procedures.]]></answer>
	</question>
</catalog>