бизнес английский. Английский язык

• Название: Английский язык
• Анкор: бизнес английский
• Дата: 09.10.2019
• Размер: 1.02 Mb.
• Имя файла: Language of Business.doc
• Тип: Документы; #89372
• страница: 21 из 21

Phrase list

Listen to the tape and practise the pronunciation of the following words and word combinations, quote the sentences in which they are used in the unit. Consult a dictionary and translate them into Russian.
to approve the accounts

to ensure that somebody is reporting correctly

to be in private practice

to be exempt from having to publish the accounts

Profit Statement (a Trading and Profit and Loss Account)

Balance Sheet

Director’s Report

to deduct overhead charges

depreciation on plant and buildings

the capital employed

issued share capital

retained earnings

fixed assets

trade investments

compilation of net current assets

less liabilities

The totals must agree.

current liability

stock valuation

to go into things

to be listed as goods paid for

to find no/the record of payment

to buy something on a sale or return basis

to make out cheques to somebody

to total up the value of the cheques

to pay in the staff member’s cheques

to draw out an equivalent sum of cash with the cheque

a withdrawal on the bank statement

a paying-in voucher for the date

to be a fiddle

to query the figure

to draw somebody’s pay in advance

PRE-LISTENING
Task I

Consider the introduction to the unit. Answer the following questions and be ready to give a story line. Use the word combinations in brackets.

1. What is the main task of the auditors?

(to approve the accounts of a limited company; to act on behalf of the shareholders; to ensure that the directors are reporting correctly; the state of affairs of the company; to judge whether the directors are managing the company efficiently; to judge for themselves)

2. Why has H.G. changed the firm auditing the firm’s accounts?

(to audit the accounts of Harper & Grant; to be in private practice as an accountant; to be appointed; a privately owned limited company; to be exempt from something; to publish accounts; to have the accounts audited by independent auditors; to be connected with the company)

3. What is W. Buckhurst responsible for?

(to be Company Secretary; to be responsible for something; the period in question; to be ready for checking; to make a bad impression; the accounts department; to supply immediately any information wanted by the auditors)

4. Which three documents are in the focus of the auditors’ attention?

(to be satisfied; the Profit Statement; the Balance Sheet; the Directors' Report; a Trading and Profit and Loss Account; to arrive at the profit for the year; to start with net sales or income; to deduct the cost of materials, work and overhead charges; to leave a trading surplus; depreciation on plant and buildings; auditors' fees; administration and selling costs; to produce the net profit or loss; a summarised statement; the amount of funds employed in the business; to derive the funds from some sources)

5. What does the Balance Sheet show?

(to list the capital employed; the issued share capital plus reserves and retained earnings; the total cost of fixed assets; trade investments; a breakdown of net current assets; cash and stocks, plus what the firm is owed by its customers, less its liabilities; to be shown as a trade investment; a current liability; an item in the compilation of net current assets)

6. Why is stock valuation a mixed blessing?

(to prepare accounts; to put a value on all goods in the hands of the company; to check against the suppliers' invoices; the value of commodities; to fluctuate; a company's stock; work in progress; finished stock; the volume of all stock is changing daily, if not hourly; to be taken at cost price or market price, whichever is the lower)

Task 2

Give the English equivalents for the following word combinations:

иметь частную практику	вникать в суть дела
эмитированный акционерный капитал	сводные данные об оборотных средствах
послание руководителя фирмы акционерам	предъявить к оплате в банк чеки сотрудников
отчет о прибылях и убытках	действовать от чьего-либо имени
нераспределенная прибыль	вовлеченный капитал
покупать на основе возвратности (взять на реализацию / на консигнацию)	приходный ордер, (квитанция расписка, жировка) о внесении платежа на определенную дату
балансовый отчет	краткосрочные обязательства
(не) найти запись об оплате	Обе суммы должны совпадать.
основные фонды (средства)	вычесть накладные расходы
ревизовать, проверять счета	запрашивать цифру
числиться (быть учтенным) в качестве оплаченных товаров	снять с банковского счета соответствующую сумму по чеку
быть освобожденным от оглашения счетов	амортизация зданий и оборудования
капиталовложения, финансовые вложения	подсчитать сумму по чеку (“подбить баланс”)
активное сальдо торгового баланса	быть обманом (мошенничеством)
за вычетом обязательств	получить оплату авансом
оценка запасов товарных материальных ценностей	снятие суммы согласно выписке с банковского счета

LISTENING
Exercise 1

You are going to hear a talk between William Buckhurst and Mr. Brent. Before you listen to the conversation look at these statements, which you will mark T (True) or F (False) after you have listened to the tape.

1.	Having spent three hours at the books in Harper & Grant Ltd., the chief auditor asked the chief accountant to go into two small things so that Hector Grant could try and get the information straight away.
2.	The chief auditor started with the stock valuation and was puzzled by the figure for paint: it was listed as goods paid for, but he could find no record of payment.
3.	Harper & Grant always buy paint on a sale or return basis and pay for it each quarter as we use it so Mr. Buckhurst presented a cheque for the total amount.
4.	The chief accountant admitted his fault for the anomaly in stock valuation because it was him who accepted the figure in the Stock Department and they had forgotten the sale or return arrangement and put the paint in the wrong column.
5.	Another anomaly was the cheques made out to members of the staff.
6.	Clerks in the accounts department often cash cheques for staff as a service, the cheques are made out to the company by the individuals.
7.	The chief accountant totals up the value of the cheques, comes to the cashier for a company cheque for the same sum, and then goes to the bank.
8.	The staff members' cheques are paid in and an equivalent sum of cash is drawn out with the company cheque when the representative of the company goes to the bank.
9.	According to the paying-in vouchers the amount paid in is less than the amount drawn out but the bank statement didn’t reflect it, which surprised Mr. Brent.
10.	There was the difference of fifteen pounds between the amount paid-in and drawn out of the company.

Exercise 2

Act as an interpreter.
Бакхерст: А, Дональд

Donald Kennet: You wanted to see me, Mr. Buckhurst?

Бакхерст: Да, Дональд. У нас тут один вопрос. Он возник у аудиторов. Может быть, вы сможете помочь.

Kennet: Oh, yes. I certainly will if I can, sir.

Бакхерст: Вы обычно ходите по пятницам в банк обналичивать чеки персонала, да?

Kennet: Yes, Mr. Buckhurst.

Бакхерст: Не могли бы вы вспомнить, были ли случаи за последние несколько месяцев, когда бы вы туда не ходили?

Kennet: Er ... I was away for my holidays in the summer. I think that was the only time I didn't go.

Бакхерст: Да, это было в августе, так? А эта цифра, в которой он сомневается, относится к октябрю … и еще один случай в … июне.

Kennet: What occasion do you mean? What are you referring to?

Бакхерст: Аудитор обнаружил, что в этих двух случаях со счета было снято больше денег, чем положено на счет. Не могли бы вы объяснить, по какой причине?

Kennet: Er ... I'm sure I don't know why the amounts should be different. They should be exactly the same. Can I look at the bank statements?

Бакхерст: Конечно. Вот они.

Kennet: Thank you.

Бакхерст: А вот два приходных ордера о внесении платежей на эти даты. Оба заполнены вашей рукой, полагаю.

Kennet: Yes ... but I don't understand …

Бакхерст: Снятая сумма, согласно выписке с банковского счета, должна быть наличностью для выплаты персоналу, так как оба раза это были единственные суммы, снятые со счета. Вы не думаете, что вы каким-то образом могли потерять один из чеков, которые вы обналичивали?

Kennet: Look, I'm sorry, Mr. Buckhurst. I can explain it. I really was going to pay it back later. You see I ... my mother was ill and ...

Бакхерст: Почему вы не пришли ко мне и не попросили о помощи, если оказа-лись в беде? Или вы могли обратиться к начальнику отдела кадров. Мы могли бы устроить для вас выплату зарплаты авансом. Но это … это воровство.

Kennet: I didn't mean to steal it. I was going to pay it back. I intended to pay it back. I didn't mean to be dishonest, really I didn't …
Exercise 3

Listen to the following extract from the conversation between Buckhurst and Brent, which shows how the situation progressed. Try to complete the gaps, using no more than three words in each case.

Buckhurst:	I've found out … … … the difference in those two amounts.
Brent:	Oh?
Buckhurst:	I'm afraid it was … … . It can only have been Donald Kennet, … … who always goes … … … . I'm very upset … … .
Brent:	I wonder what he'll have to say … … .
Buckhurst:	Yes. I'm just going … … now. He's waiting ... … … .
	(Later.)
Buckhurst:	Well, Mr. Brent, when … … … you'll be finished?
Brent:	Oh, I think I … … … by the end of the month. But now I've seen the extent … … …, I'll bring in two … … … to help me.
Buckhurst:	No more problems … …?
Brent:	No, I don't think so. It all seems to be … … .
Buckhurst:	Thanks. By the way, that clerk … … .
Brent:	Oh dear! Poor fellow. You'll have … … … , I suppose.
Buckhurst:	Yes, we … … … . It's a pity. He … … and he's been satisfactory … … … , apart from this.
Brent:	Well, I'm sorry to have been … … of such … … … .
Buckhurst:	We're very glad you did … … . You have probably saved … … from an even … … .

Exercise 4

Match the terms on the left with an appropriate explanation on the right. Five of the phrases have more than one explanation. Fill in the grid below.

1.	auditor	a.	things which belong to company or person, and which have a value
2.	shareholders	b.	money owed by a company, a debt
3.	Profit Statement	c.	a statement of the company’s position on a certain date, which shows the assets and the liabilities and the capital on that date
4.	Balance Sheet	d.	written document from a bank showing the balance of an account
5.	assets	e.	those who own shares in a company
6.	liabilities	f.	individuals who invest their money in a company hope to receive these regularly
7.	dividend	g.	pieces of paper supplied by the bank in duplicate for the purpose of recording the exact amount of cash and cheques paid into a customer’s account
8.	valuation	h.	part of a company’s profits paid to shareholders
9.	bank statement	i.	a summary of all the income and expense accounts at the end of the accounting period
10.	paying-in vouchers	j.	a statement of the financial position of a company or trader or partnership at a particular time, such as the end of the financial year, showing the company’s assets and liabilities
		k.	a qualified accountant who is called in on behalf of the members of a limited company to examine and report upon the accounts of the company
		l.	liabilities plus owners’ equity
		m.	estimate of how much something is worth
		n.	a person or firm or partnership which examines the books and financial records of a company
		o.	the name for everything that a company owes

1.	2.	3.	4.	5.	6.	7.	8.	9.	10.
k, …

POST-LISTENING

1. Consider the following points. Share your ideas with a partner or a small group. Be prepared to explain your answers to the class.

1. 
   What does the work of W. Buckhurst entail?
   
2. 
   Why is stock valuation one of the most difficult jobs?
   
3. 
   What for are the cheques made out to members of the staff in Harper & Grant Ltd.? In what way are they cashed?
   
4. 
   What is the reason for the anomaly in the bank statement?
   
5. 
   What was wrong with the withdrawals on the bank statement?
   

2. 
   Recount the situation as if you were Mr. Brent. Sum up the anomalies found in stock valuation and in the cheques made out to members of the staff.
   
3. 
   Suppose you are Donald Kennet. Do you find it fair to dismiss you?
   
4. 
   Give a lecture on auditing the accounts of a limited company. Illustrate it with the situation in Harper & Grant Ltd.
   
5. 
   Act out
   
   1. 
      a conversation between Brent and Buckhurst. Discuss the pro and contra of stock valuation;
      
   2. 
      an imaginary talk between Buckhurst and Kennet after the dismissal;
      
   3. 
      a conversation between Brent and Buckhurst. Discuss the anomaly with the withdrawal on the bank statement.
      

Unit 21

Debtors

Phrase list

Listen to the tape and practise the pronunciation of the following words and word combinations, quote the sentences in which they are used in the unit. Consult a dictionary and translate them into Russian.

to chase up bad debts

Retail / wholesale business

to do business on a cash basis / on credit

to defer payment

the amount (total) due on a particular transaction

to receive long/short credit

to offer an inducement to somebody

to become insolvent

debt collector

to be a good credit risk

to write to the bank for a reference

to get a drive on

to get payment on one or two of outstanding accounts

retailer

overdue accounts

to default

to put a professional debt collector on to collect debts

to bring in a third party

to use legal pressure

the salary scheme

to pay a basic salary supplemented by a commission on sales

a graded salary based on sales quotas

to make an estimate on something (probable volume of sales)

to keep up to the quota / to surpass the quota

PRE-LISTENING

Task I

Consider the introduction to the unit. Answer the following questions and be ready to give a story line. Use the word combinations in brackets.
1. On what basis is business usually done?

(retail business; wholesale business ; to do business on a cash basis; to do business on credit; to collect debts; to chase up bad debts; money which has been owed to the firm for a long time)

2. On what terms does H & G Ltd. do business?

(to give credit; to defer payment; an individual sale; to send an invoice to the customer; a list of the goods delivered; the amount due on a particular transaction; to be sent an account; to show the total amount due)

3. In what way are due payments stipulated?

(to receive long credit from the suppliers; to give short credit to the customers; to be fairly common; to offer an inducement to customers; to pay earlier than somebody needs; to offer a discount; to pay slightly less; to pay within ten days of the date of invoice)

4. Do debtors always pay back? Why? What happens if not? What can be done to overdue accounts?

(the debtor cannot pay; to get the money; to supply the firm with goods; to become insolvent; to run the firm; to be dishonest; accounts not paid in time; overdue accounts; a sales representative; to collect the money; to make enquiries; to employ a professional debt collector)

5. Why do companies try to avoid being bad payers?

(to get a reputation for being a bad payer; to get supplies on credit; to give information about the financial situation of a company; to judge something; to be a good credit risk; to suggest that a supplier writes to their bank for a reference)

Task 2

Give the English equivalents for the following word combinations:

стать неплатежеспособным	производить расчеты наличными
розничная торговля	отложить платеж (платить не сразу)
оптовая торговля	просроченный, невзысканный счет
получить долго - (кратко-) срочный кредит	напоминать о долгах, давно подлежавших погашению
кредит с высокой степенью возвратности	обращаться в банк за рекомендацией
не выполнить взятые на себя финансовые обязательства	получить платеж по неоплаченным счетам
подсчитать приблизительный объем продажи товаров	дифференцированная зарплата, основанная на доле с продаж
производить расчеты в кредит	придерживаться квоты
сумма причитающаяся по данной сделке	платить базовую ставку плюс долю с продаж
пригласить третью сторону	заниматься чем-либо вплотную
превысить квоту	система организации оплаты труда
уполномоченный по взысканию задолженностей	предложить побудительный мотив (заинтересовать)

LISTENING

Exercise 1

You are going to hear a talk between W. Buckhurst and Ch. Thorn. Before you listen to the conversation look at these statements, which you will mark T (True) or F (False) after you have listened to the tape.

1.	Harper & Grant Ltd. give credit only for thirty days.
2.	Doing business on retail basis Harper & Grant mean that payment may be deferred until the end of the month following that in which the goods were delivered.
3.	Bush & Green, the retailer, has owed Harper & Grant Ltd. seven thousand pounds for office furniture for over nine months.
4.	Mr. Buckhurst states that the firm send out the accounts at the end of every month.
5.	The chief accountant decides he will get the sales representative in the south-west, Mr. Shuttleworth on to the debt of Bush & Green because it’s time they did something drastic about this lot.
6.	Christopher Thorn heard that Mr. Shuttleworth was going to a different region but it was only a rumour.
7.	Harper & Grant Ltd. can put a professional debt collector on to collect some of the debts but W. Buckhurst is against that until they've done everything they can do themselves to get the money.
8.	Christopher Thorn had sent a couple of rather strong letters to Bush & Green and there was a reply from the firm saying they had gone bankrupt.

Exercise 2

Act as an interpreter.

Бакхерст: Заходите, пожалуйста, м-р Шатлворт. Вы уже виделись с мистером Мартином?

Shuttleworth: Yes, I have, Mr. Buckhurst. He's just told me about my new area. He told me to come and see you about the new salary scheme.

Бакхерст: А он объяснил вам что это означает?

Shuttleworth: Not really.

Бакхерст: Ну, как вы знаете, наши торговые агенты до сих пор получали базовую ставку плюс комиссионные от продажи товара. Новой системой оплаты будет дифференцированная зарплата, основанная на доле с продаж.

Shuttleworth: What really interests me is whether I shall earn more money or less!

Бакхерст: Думаю, вы увидите, что изменение будет в лучшую сторону. Мы внимательно обследовали все наши районы, подсчитали приблизитель-ный объем продажи товаров и, соответственно, размер вашей зарплаты. Единственное, что вам нужно будет делать - это придерживаться намеченной квоты или, еще лучше, превысить ее. Проще говоря, вы можете рассчитывать на более высокую базовую ставку.

Shuttleworth: I see.

Бакхерст: Мы сейчас постепенно вводим эту систему и видим, что нашим торговым агентам она нравится больше. А как вы относитесь к переводу в юго-западный район?

Shuttleworth: Oh, I'm very pleased. I think it's about time I had a new area.

Exercise 3

Listen to the following extract from the conversation between Buckhurst and Shuttleworth, which shows how the situation progressed. Try to complete the gaps, using no more than three words in each case.

Buckhurst:	You did very well about that matter of … … … . We didn't even know that … … … had moved. How did you find out … … … ?
Shuttleworth:	Oh, an amazing bit of luck, really. I … … … Bush & Green in several shops near … … … . There's a cafe at that address now. I suspected the people who … … … , because they acted strangely when I asked them … … … with any letters that came for … … … . The chap hesitated quite a long time before he said that he sent them all back to … … … . I was sure he was lying.
Buckhurst:	What was the bit of luck?
Shuttleworth:	Well, I thought I'd try … … … , and I got into conversation … … … who owns the bookshop … … . While I was talking to him I noticed … … … was open, and inside I could see what looked very like one of … … … . He said he'd bought it in Wilminster, that's a little … … near by. Well, I took the … … and I telephoned … … … . He checked that it was one of … … … we'd supplied to … … . Then I got … … … to give me … … . He'd bought the cabinet … … … who called themselves Windel & Riddel. Windel & Riddel indeed! Huh!
Buckhurst:	What did you … …? You realise, of course, that Bush & Green might have … … … first to this firm?
Shuttleworth:	I didn't think so. I was sure it was … … … operating under a different name.
Buckhurst:	Did you go and … …?
Shuttleworth:	I certainly did. And I presented … … to them.They pretended they didn't … … … it. But then … … came in, and he … … . I'd … … … from him originally. He went at once to write out … … , and he asked me … … … about it. What do you think we … … …?
Buckhurst:	Well, we've got … … , but there are probably a lot of … … who have been done … … … in the same way. I think it's our duty to … … … . And, Shuttleworth, we must take … … in the future before we … … on credit.

Exercise 4

Match the terms on the left with an appropriate explanation on the right. Five of the phrases have more than one explanation. Fill in the grid below.

1.	retail business	a.	bills need not be paid for a certain period of time
2.	wholesale business	b.	a professional who collects debts on a commission basis
3.	to defer payment	c.	salary without commission
4.	long credit	d.	money owed which will never be paid back
5.	short credit	e.	sale of small quantities of goods to ordinary customers
6.	insolvent	f.	trade between manufacturer and supplier or retailer
7.	debt collector	g.	terms allowing the borrower a long time to pay
8.	outstanding accounts	h.	to put off paying until later
9.	basic salary	i.	bills must be paid very soon after receipt of goods
10.	bad debt	j.	buying goods from manufacturers and selling in large quantities (in bulk) to traders who then sell in smaller quantities to the general public
		k.	trade between supplier and customer
		l.	salary without extra payment for special work, overtime, etc.
		m.	to postpone payment
		n.	without sufficient funds to continue doing business
		o.	money which has been owed to a firm, or a person, for a long time

1.	2.	3.	4.	5.	6.	7.	8.	9.	10.
…, k

POST-LISTENING

1. Consider the following points. Share your ideas with a partner or a small group. Be prepared to explain your answers to the class.

1. 
   What is the usual term of payment for creditors in Harper and Grant Ltd.?
   
2. 
   Can the payment be deferred?
   
3. 
   How often does the firm send out the accounts?
   
4. 
   Are there any ways to collect bad debts?
   
5. 
   Why to bring in a third party, or to use legal pressure is a sure way to lose a customer?
   
6. 
   In what way will the salary scheme be changed for sales reps.?
   
7. 
   In what way was the bad debt of Bush & Green chased up?
   

2. Give a brief outline of the situation as if you were

1. 
   William Buckhurst;
   
2. 
   Christopher Thorn;
   
3. 
   Mr. Shuttleworth;
   
4. 
   Representative of Bush & Green.
   

3. Act out the dialogues between

1. 
   Christopher Thorn and William Buckhhurst about the necessity of chasing up the outstanding debts;
   
2. 
   W. Buckhurst and Mr. Shuttleworth about the new salary scheme;
   
3. 
   Hector Grant and William Buckhurst about debtors and the activities of sales representatives.
   

Unit 23

Insurance

Listen to the tape and practise the pronunciation of the following words and word combinations, quote the sentences in which they are used in the unit. Consult a dictionary and translate them into Russian.

to be hi-jacked

to insure oneself against loss or damage to one’s property

insurance broker

a syndicate of underwriters

to arrange a blanket insurance

a comprehensive policy

to make a statement at the end of an accounting period

to pay the premium as a percentage of the total value of all goods handled

to employ a firm of adjusters

to assess or value the loss or damage

the full insured value of the goods or property

to take into account the depreciated value

to be a write-off

Act of God = insurance on a contingency basis

the injured party

to take out a policy

to put in a claim

to meet the claim

to be tipped off

to be covered by a blanket insurance policy

to salvage the lot

to be liable

to violate the regulations
Notes:

insurer	- страховщик, страховое общество
insurant	- страхователь, лицо, выплачивающее страховые взносы
life insurance	- страхование жизни
insurance against all risks	- страхование от всех рисков

PRE-LISTENING
Task I

Consider the introduction to the unit. Answer the following questions and be ready to give a story line. Use the word combinations in brackets.
1. How can a firm insure itself against loss or damage to its property?

(to take out an insurance policy; to insure the goods or property against something; to arrange insurance with a syndicate of underwriters;tocover everything; a comprehensive policy; blanket insurance)

2. What is the mechanism of insuring the goods?

(to make a statement at the end of an accounting period; to do something once a month or once a quarter; the total value of all goods handled; to pay the premium; to pay something as a percentage of the total value of goods)

3. What is mentioned about Harper & Grant’s insurers?

(a syndicate of Lloyds underwriters; to be a huge insurance organisation; insurers; to work independently; to be grouped in syndicates)

4. What are adjusters? In what way does their work differ from that of underwriters?

(to employ a firm of adjusters; to assess or value the loss or damage; the full insured value of the goods or property; to take into account; the depreciated value)

5. Is the hi-jacked load of Harper & Grant Ltd. covered by any insurance policy?

(to be a write-off; to be a total wreck; to be impossible to repair; to concern somebody; to hire vehicles; to replace the load; to be wanted urgently)

6. Is it possible to insure the goods or property against anything that could happen?

(to be an all-risks policy; to insure the goods or property against almost anything that could happen; to put in some exceptions; outbreak of war; Act of God; to be considered a normal risk)

7. What are the steps of taking out an insurance policy?

(to take place; the injured party; to put in a claim to the insurance company; to agree to pay; to meet the claim; to take out a policy; to put in a claim; to agree to meet the claim)

Task 2

Give the English equivalents for the following word combinations:

застраховать себя на случай полной утраты или нанесения ущерба чьему-либо имуществу	нанять фирму – регулировщика/выверщика для расследования страхового случая
составить отчет на конец периода отчетности	полная стоимость застрахованного товара или имущества
платить взносы в процентах от общего объема продукции	тот, кто принимает на себя страховой риск
принять во внимание остаточную стоимость имущества (балансовую стоимость за вычетом износа)	«Акт провидения» («Божья воля»), - форс-мажор, природный катаклизм, страхование на случай чрезвычайных обстоятельств
подлежать полному списанию	полис общего страхования
предъявить претензию, подать кассационную жалобу	застраховаться, приобрести страховой полис
оплатить сумму, указанную в претензии (требовании, жалобе) / удовлетворить	заключить договор об общем страховании (несколько предметов собственности)
пострадавшая сторона	оценить размеры утраты или ущерба

LISTENING

Exercise 1

You are going to hear a talk between W. Buckhurst and Peter Wiles. Before you listen to the conversation look at these statements, which you will mark T (True) or F (False) after you have listened to the tape.

1.	The gang had been tipped off that a lorry belonging to Andersons would be coming through the way with a valuable load of office furniture.
2.	A hi-jacker must have thought Andersons' driver was lying for some reason that he had a load of office desks and filing cabinets.
3.	The driver was taken to a farm a long way from the main road and held there for seven weeks before the gang released him. Then he had to walk six miles before he found a policeman.
4.	Nobody knows what the robbers did with the lorry and how it became a total wreck.
5.	The insurance of the load is very simple and there was no need to inform the insurance brokers when the theft was reported because all goods delivered for Harper & Grant Ltd. within the United Kingdom are covered by a blanket insurance policy.
6.	Lloyds underwrote the policy, i.e. Harper & Grant Ltd. are insured with a syndicate of Lloyds underwriters.
7.	Someone from a syndicate of Lloyds underwriters will go up to inspect the damaged goods to give an opinion about their value.
8.	The main problem in this situation is that Harper & Grant’s insurers seem to think the desks and chairs may not be too badly damaged.
9.	William Buckhurst thinks someone from the firm ought to go up and give the managers an opinion of the damage.
10.	Peter would like to go up there himself and have a look in spite of the fact that it's miles from a main road, right up in the Moorland Valley. Also there isn’t much to do at the office at the moment and he can go.

Exercise 2

Listen to the following conversation between Christopher Thorn and Mr. Roberts. Look at their remarks given below at random. Put them in the order they appear in the Unit. Supply the remarks with the names of their authors. Fill in the grid below.

A …	May I ask who you are and what your business is up here?
B …	Ah, how do you do. My name is Thorn, I work for Harper & Grant.
C …	Good morning. Nice morning for a country drive, isn't it? Oh, what a mess that lorry's in.
D …	Oh, yes, your firm is making the claim.
E …	My name is Roberts. I represent Brown & Johnson, Insurance Adjusters. I've been asked to investigate the damage to the load which this lorry was carrying.
F …	Well, I might ask you the same question.

1.	2.	3.	4.	5.	6.

Exercise 3

Listen again and see how the conversation between Christopher Thorn and Mr. Roberts progressed. Try to complete the gaps, using no more than three words in each case.

Christopher Thorn:	Well, let's … . I was warned that … might have jammed.
Mr. Roberts:	I don't think … are too badly damaged. I think it … to salvage the lot. These dents could … knocked out, and these desks … .
Christopher: Thorn:	Oh, I don't think … , Mr. Roberts. Look …, it's … . We'd never be able … . And … . Look at them! They must have been … for some time. They … to be stripped down and … .
Mr. Roberts:	H'm, well, I think I might recommend ... . Hello! What's this …?
Christopher Thorn:	I should think it used … on the windscreen; it's come unstuck … and ... What does it say?
Mr. Roberts:	“Drivers … it is a serious offence … , as agreed with the General Workers' Union, to … in this vehicle to any person not … of Andersons Transport Company.” You realise …?
Christopher Thorn:	Sorry, no, I don't.
Mr. Roberts:	Didn't the driver … that he … to this man …?
Christopher Thorn:	Yes, I believe he did. But I don't see ...
Mr. Roberts:	I think … will find, Mr. Thorn, that Andersons, …, should be held responsible … to their customers' goods in transit if … is caused … on the part … . Of course, it will depend … your firm has …, but I don't think … need be liable at all.

Exercise 4

Match each of the phrases on the left with an appropriate explanation on the right. Five of the phrases have more than one explanation. Fill in the grid below.

1.	insurance			a.	agreement that in return for regular small payments, a company will pay compensation for loss, damage, injury, death
2.	insurance claim			b.	independent firm who asses the damage to property
3.	insurance premium			c.	person who calculates losses for an insurance company
4.	depreciation			d.	policy which covers all possible normal dangers with the exception of war, Act of God, etc.
5.	underwriters			e.	person who is insured by an insurance company
6.	adjusters			f.	rate payable for an insurance policy
7.	all-risks policy			g.	system of protection against loss in which a number of individuals agree to pay certain sums for a guarantee that they will be compensated for any specified loss by fire, accident, death, etc.
8.	policy holder			h.	person or agent who underwrites insurance
9.	take out a policy			i.	reduction in value, writing down the capital value of an asset over a period of time in a company’s accounts
10.	premium			j.	sign the contract for an insurance and start paying the premiums
				k.	insurance which covers all risks
				l.	asking an insurance company to pay compensation for damage
				m.	people who take the risks of insurance; if there are no claims they make a profit; if there are a large number of claims , they make a loss.
				n.	decrease of value of property through wear, deterioration or going out of use
				o.	payment made by the insured person to the users
1.	2.	3.	4.		5.	6.	7.	8.	9.	10.
A, …

POST-LISTENING

Consider the following points. Share your ideas with a partner or a small group. Be prepared to explain your answers to the class.

1. Explain why and how hi-jackers stole office-furniture.

2. 
   Suppose you are a police officer. Recount the case of hi-jacking.
   
3. 
   Andersons have just been on to W. Buckhurst. Now he briefs Peter Wiles about the situation.
   
4. 
   Report the situation as if you were the driver of the hi-jacked lorry.
   
5. 
   Recount the situation as if you were a hi-jacker.
   
6. 
   Act on behalf of Peter Wiles and report the situation to Hector Grant.
   
7. 
   Make a presentation Mr. Roberts could have delivered about the case in question. Explain why the insurers were not liable in the case of the damaged cargo.
   
8. 
   Report on your visit to Moorland Valley as if you were Christopher Thorn, focus your attention on the difference in opinion between Christopher Thorn and Mr. Roberts on the value of damage to the equipment.
   
9. 
   Act out the dialogue between
   
   1. 
      Peter Wiles and William Buckhurst
      
   2. 
      Peter Wiles and Christopher Thorn before his trip to Moorland Valley
      
   3. 
      Christopher Thorn and Mr. Roberts
      
   4. 
      Peter Wiles and Christopher Thorn after his trip to Moorland Valley
      

* Краткая характеристика компании

* International Subscriber Dialing – Международный телефонный справочник

* survey sample – обследуемая группа

* живет на широкую ногу