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1、1Communityserviceisanimportantcomponentofeducationhereatouruniversity.Weencourageallstudentstovolunteerforatleastonecommunityactivitybeforetheygraduate.Anewcommunityprogramcalled"OneOnOne"helpselementarystudentswho'vefallenbehind.Youeducationmajorsmig
2、htbeespeciallyinterestedinitbecauseitofferstheopportunitytodosometeachingńthatis,tutoringinmathandEnglish.You'dhavetovolunteertwohoursaweekforonesemester.Youcanchoosetohelpachildwithmath,English,orboth.Half-hourlessonsarefine,soyoucoulddoahalfhourofea
3、chsubjecttwodaysaweek.ProfessorDodgewillactasamentortothetutors---he'llbeavailabletohelpyouwithlessonplansortooffersuggestionsforactivities.HehasofficehourseveryTuesdayandThursdayafternoon.Youcansignupfortheprogramwithhimandbeginthetutoringnextweek.I'
4、msureyou'llenjoythiscommunityserviceandyou'llgainvaluableexperienceatthesametime.Itlooksgoodonyourresume,too,showingthatyou'vehadexperiencewithchildrenandthatyoucareaboutyourcommunity.Ifyou'dliketosignup,orifyouhaveanyquestions,stopbyProfessorDodge'so
5、fficethis1week.2Ihopeyou'veallfinishedreadingtheassignedchapteroninsurancesothatyou'repreparedforourdiscussiontoday.But,beforewestart,I'dliketomentionafewthingsyourtextdoesn'tgointo.It'sinterestingtonotethatinsurancehasexistedinsomeformforaverylongtim
6、e.Theearliestinsurancepolicieswerewhatwearecalledbottomryҁuseboatsasmortgage҂contracts.Theyprovidedshippingprotectionformerchantsasfarbackas3000B.C.Ingeneral,thecontractswereoftennomorethanverbalagreements.Theygrantedloanstomerchantswiththeunderstandi
7、ngthatifaparticularshipmentofgoodswaslostatsea,theloandidn'thavetoberepaid.Interestontheloansvariedaccordingtohowriskyitwastotransportthegoods.Duringperiodsofheavypiracyatsea,forexample,theamountofinterestandthecostofthepolicywentupconsiderably.So,you
8、canseehowinsurancehelpedencourageinternationaltrade.Eventhemostcautiousmerchantsbecamewillingtoriskshippingtheirgoodsoverlongdistances,nottomentioninhazardousweatherconditions2whentheyhadthiskindofprotectionavailable.Generallyspeaking,thebasic
