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Language points

Attention：The following points are not covered by the video. It is better for you to watch the video or listen to the MP3 first and try to take notes on your own. Then you may check here to get more details.

1.背熟：Needless to say, the bigger the risk an insurance company takes, the higher the premium you will have to pay.

结构分析: Needless to say(插入语), the bigger(定) the risk(宾) an insurance company (主)takes(谓), the higher(定) the premium (宾)you(主) will have to pay(谓).

短语：take the risk 冒险，承担风险

句型：the +比较级，the +比较级......

2.背熟：It is not uncommon to hear that a ship ping company has made a claim for the cost of salvaging a sunken ship.

短语：make a claim 提出索赔要求

结构分析:双重否定：

1，Not + 否定 形容词 : Is not unreasonable

2，not + without I can"t live without you

3, no + not/ no + no There is no cat that doesn"t like fish

There is nothing he can"t do.

There is no rule that has no exception / that doesn"t have exception.

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