ESAF – 2006 – IRB – ADVOGADO (A) – LÍNGUA INGLESA –CONCURSO PÚBLICO – BRASIL RESSEGUROS S.A – PROVA COM GABARITO.

❑ Welcome back to another post!

❑ PROVA DE LÍNGUA INGLESA:  ESAF-2006-IRB-ADVOGADO(A)-11/03/2006.

❑ ORGANIZADOR: www.esaf.fazenda.gov.br.

❑ ESTRUTURA-PROVA:

➧ 05 Multiple Choice Questions / 5 Options Each Question.

➧ Text (1) – 2005 - First Nine Months Results – www.iii.org. (3 questions)

➧ Text (2) – Avian Influenza (Bird Flu) – www.iii.org. (2 questions)

❑ GABARITO:

01-A,  02-E,  03-C,  04-D,  05-B

➧ TEXT 1: Read the text below, entitled “2005 – First Nine Months Results”, in order to answer questions 01 to 03:

2005 – First Nine Months Results

Source: www.iii.org

Dec 27th, 2005 (Adapted)

The property / casualty insurance industry reported a statutory rate of return on average surplus of 9.5 percent through the fi rst nine months of 2005. The results were released by the Insurance Services Office (ISO) and the Property Casualty Insurers Association of America (PCI). The financial performance of the industry during the period featured a surprisingly low combined ratio of 100, a fi gure that provided stunning proof of the resilience of the property/casualty insurance industry in the face of record catastrophe losses approaching $50 billion. 

Insurers also benefi ted from rising interest rates and modest stock market gains to generate $40.7 billion on their investment portfolio. Policyholder surplus also climbed by $20.4 or 5.2 percent, through the fi rst nine months, again a surprise. Profitability in the industry is still disappointingly low, however, coming in well below the expected 14 percent return for the benchmark Fortune 500 group of companies this year. Prior to Hurricane Katrina the industry was on a trajectory to record its highest level of profi tability since 1987.

01 – (ESAF-2006-IRB-ADVOGADO/A)

In paragraph 1, the author refers to the resilience of the property/casualty insurance industry. In other words, its

a) ability to recover.
b) current financial losses.
c) inability to predict trends.
d) undeniable prosperity.
e) delayed recovery.

    Gabarito  A 

02 – (ESAF-2006-IRB-ADVOGADO/A)

The text

a) focuses on the effort by insurers to reassess risk. b) predicts the losses to be faced by insurance companies.
c) states that reinsurance prices will rise in 2006.
d) foresees a sluggish growth for the sector in 2006.
e) also recalls a period of financial growth.

    Gabarito  E 

03 – (ESAF-2006-IRB-ADVOGADO/A)

In paragraph 2, the author refers to the insurers’ investment portfolio which

a) is about to be created.
b) has brought signifi cant gains.
c) produced fairly small gains.
d) was beyond their expectations.
e) has been impressively expanded.

    Gabarito  C 

➧ TEXT 2: Read the text below, which is entitled “Avian Influenza (Bird Flu)” in order to answer questions 04 and 05:

Avian Influenza (Bird Flu)

Source: www.iii.org

Dec 2005 (Adapted)

A current influenza outbreak, formally called H5N1 after two distinctive proteins on the flu virus, (but commonly referred to as bird or avian fl u), has so far mainly affected birds. However, four countries – Thailand, Vietnam, Indonesia and Cambodia – have reported a total of 120 human cases of the H5N1 flu since 1997. These people are thought to have caught the disease by their contact with infected poultry. There has been no known human-to-human transmission of the virus.

Even if the H5N1 strain does not mutate to infect humans, the economic costs associated with avian flu strains could easily be in the billions if other countries, such as Mexico, impose bans on imported U.S. poultry and U.S. consumers avoid buying domestic poultry. Still, the economic costs are very different from the insurance costs.The following is an overview of two potential types of insurance coverages involved:

Workers Compensation:

Workers involved in the handling of poultry could be at risk. Because such an exposure is work-related, workers compensation coverage would apply.

Tort-Related Exposures:

If the infected poultry were found to have gotten into the food supply and people become ill as a result, litigation could ensue.

04 – (ESAF-2006-IRB-ADVOGADO/A)

According to the author, insurance costs related to the avian flu

a) could reach billions of dollars in Mexico.
b) have been estimated by four specific countries.
c) equal to the economic costs recently estimated.
d) may include at least two possibilities.
e) exclude workers compensation in the USA.

    Gabarito  D 

05 – (ESAF-2006-IRB-ADVOGADO/A)

In paragraph 2, the author

a) resorts to scientific data to explain the virus mutation.
b) points out the economic interdependence between two countries.
c) provides exact figures related to the economic and social losses.
d) explains why workers compensation might cause liquidity problems.
e) defines the duration of the outbreak and/or quarantine.

    Gabarito  B 

❑ TRADUÇÃO TEXTO (2) (COM 2 OPÇÕES):

➧ Avian Influenza (Bird Flu)

(1) Influenza aviária (Gripe das aves)

(2) Gripe aviária (Gripe das aves)

➧ A current influenza outbreak, formally called H5N1 after two distinctive proteins on the flu virus, (but commonly referred to as bird or avian flu), has so far mainly affected birds.

(1) Um atual surto de gripe, formalmente designado por H5N1 devido às duas proteínas distintivas do vírus da gripe (mas geralmente referido como gripe aviária ou das aves), afetou até agora principalmente as aves.

(2) Um surto de gripe atual, formalmente chamado de H5N1 após duas proteínas distintivas no vírus da gripe, (mas comumente chamado de gripe de ave ou aviária), afetou as aves até agora.

➧ However, four countries – Thailand, Vietnam, Indonesia and Cambodia – have reported a total of 120 human cases of the H5N1 flu since 1997. 

(1) No entanto, quatro países - Tailândia, Vietname, Indonésia e Camboja - registaram um total de 120 casos humanos da gripe H5N1 desde 1997.

(2) Entretanto, quatro países - Tailândia, Vietname, Indonésia e Camboja - relataram um total de 120 casos humanos da gripe H5N1 desde 1997.

➧ These people are thought to have caught the disease by their contact with infected poultry. There has been no known human-to-human transmission of the virus.

(1) Pensa-se que estas pessoas contraíram a doença através do contato com aves de capoeira infectadas. Não se conhece qualquer transmissão do vírus entre seres humanos.

(2) Pensa-se que estas pessoas apanharam a doença pelo seu contato com aves de capoeira infectadas. Não houve transmissão humana do vírus.

➧ Even if the H5N1 strain does not mutate to infect humans, the economic costs associated with avian flu strains could easily be in the billions if other countries, such as Mexico, impose bans on imported U.S. poultry and U.S. consumers avoid buying domestic poultry.

(1) Mesmo que a cepa H5N1 não sofra mutações para infectar os seres humanos, os custos econômicos associados às cepas de gripe aviária podem facilmente atingir os milhares de milhões se outros países, como o México, impuserem proibições às aves de capoeira importadas dos EUA e os consumidores americanos evitarem comprar aves de capoeira nacionais.

(2) Mesmo que a cepa H5N1 não sofra mutações para infectar os seres humanos, os custos econômicos associados às cepas de gripe aviária poderiam facilmente estar nos bilhões se outros países, como o México, impusessem proibições às aves importadas dos EUA e os consumidores dos EUA evitassem comprar aves domésticas.

➧ Still, the economic costs are very different from the insurance costs. The following is an overview of two potential types of insurance coverages involved:

(1) Ainda assim, os custos econômicos são muito diferentes dos custos de seguro,Segue-se uma panorâmica de dois tipos potenciais de coberturas de seguro envolvidas:

(2) Ainda assim, os custos econômicos são muito diferentes dos custos de seguro. Segue-se uma visão geral de dois tipos potenciais de coberturas de seguros envolvidos:

➧ Workers Compensation: Workers involved in the handling of poultry could be at risk. Because such an exposure is work-related, workers compensation coverage would apply.

(1) Indenização dos trabalhadores: Os trabalhadores envolvidos no manuseamento de aves de capoeira podem estar em risco. Uma vez que tal exposição está relacionada com o trabalho, a cobertura de indenização dos trabalhadores seria aplicável.

(2) Trabalhadores Compensação: Trabalhadores envolvidos no manuseio de aves de capoeira podem estar em risco. Uma vez que tal exposição está relacionada com o trabalho, seria aplicável a cobertura compensatória dos trabalhadores.

➧ Tort-Related Exposures: If the infected poultry were found to have gotten into the food supply and people become ill as a result, litigation could ensue.

(1) Exposições relacionadas a atos ilícitos civis: Se se descobrir que as aves de capoeira infectadas entraram no abastecimento alimentar e as pessoas ficarem doentes em consequência disso, poderá haver ação judicial.

(2) Exposições relacionadas a atos ilícitos civis: Se as aves infectadas tivessem entrado no suprimento de alimentos e as pessoas ficassem doentes como resultado, a ação judicial poderia resultar.

= KEYWORDS: Tort, Litigation, Ensue.

= TORT (= A CIVIL WRONG) – ATO ILÍCITO CIVIL cometido por uma pessoa a outra e que dá direito à vítima de reivindicar uma indenização (DAMAGES) – .

= LITIGATION (= any lawsuit or other resort to the courts to determine a legal question or matter.) – LITÍGIO, AÇÃO JUDICIAL(LAWSUIT).