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Inglês

Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Oi, pessoal! Tudo bem? Estão avançando nos estudos?

Hoje daremos continuidade ao nosso curso de inglês com a Aula 05 sobre


Falsos Cognatos, Cognatos, Prefixos e Sufixos. Também vamos resolver
diversas questões da ESAF.

Sempre que houver dúvida, não deixe de postá-la no fórum do curso.


Terei a maior satisfação em respondê-la!

Um grande abraço,

Marina Marcondes

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Appoint - nomear, marcar, Apontar (para alguém ou alguma


designar coisa) - to point to, to point at
Appointment - compromisso Apontamento (observação) -
profissional note

Assist - ajudar, dar assintência Assistir (ver, olhar) - to watch

Atender (o telefone, a porta, a


campainha) - to answer the
Attend - assistir, participar de
telefone, answer the door, answer
the door-bell

Available - disponível Avaliável - ratable

Avocado - abacate Advogado - lawyer

Balcony - sacada Balcão - counter

Barracks - caserna, quartel Barraca - tent


B
Bond - elo, vínculo, ligação Bonde - tram

Brando - tender, soft, mild,


Brand - marca
temperate
Cafeteria - coffeehouse, coffee
Cafeteria - refeitório, cantina
shop, cafe

Camp - acampamento militar Campo - field

Cargo - carga Cargo - port, position

Carton - caixa de papelão Cartão - card

Chef - chefe de cozinha Chefe - boss, chief


C
China - porcelana, louça de
China (país) - China
porcelana

Cigar - charuto Cigarro - cigarette

Colar (substantivo) - necklace


Collar - gola, colarinho, coleira
Colar (verbo) - to glue

College - faculdade Colégio - school

Commodity - artigo, mercadoria Comodidade - convenience

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Comprehensive - abrangente, Compreensivo - understanding,


extenso tolerant, sympathetic

Conceal - ocultar, dissimular Conselho - advice

Confidente - confiante Confidente - confidant

Construe - interpretar Construir - to build

Contestar - to impeach, to
Contest - competição, concurso impugn, to controvert, to
challenge, to object
Conversador - talkative person,
Conversant - conhecedor
talker

Converse - inverso Conversa - chat, talk

Convict - réu, condenado Convicto - sure, certain, positive

Costume - fantasia, traje Costume - habit, custom

Curse - maldição, praga Curso - course

Diário (substantivo) - diary


Dairy - laticínios
Diário (adjetivo) - daily

Data - dados, informações Data - date

Deception - engano, ilusão Decepção - disappointment

Dependente - dependant,
Dependable - confiável
dependente, subordinate
Design - projetar, criar, projeto,
Designar - to appoint
estilo
D
Discrete - distinto, separado Discreto - discreet

Desgostoso - displeased,
Disgusting - nojento, repulsivo
dissatisfied

Divert - desviar Divertir - to entertain, to amuse

Diversão - amusement, fun,


Diversion - desvio
entertainment

Doze - cochilar Doze (número) - twelve

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Education - instrução, formação Educação (boas maneiras) -


escolar politeness, good manners

Elaborate - esmerar, aperfeiçoar Elaborar - to develop, to prepare

Engross – envolver, absorver Engrossar - to enlarge, to thicken

Enroll - inscrever-se, matricular-


Enrolar - to roll
se

Estate - bens, patrimônio Estado - state


E
Eventually - finalmente Eventualmente - occasionally

Exigency - urgência, situação de


Exigência - demand
emergência
Êxito - success, effect, result,
Exit - saída
triumph

Expert - especialista, perito Esperto - smart, clever

Exquisite - refinado, requintado Esquisito - strange, weird, odd

Fabric - tecido Fábrica - plant, factory

Fate - destino Fato - fact, event, happening


F
Figure - número, cifra Figura - picture

File - arquivo Fila - line

Gem - pedra preciosa, joia Gema (ovo) - yolk

Gentility - nobreza Gentileza - kindness

Gracious - cordial, bondoso Gracioso - graceful


G
Grand - grandioso, nobre, Grande (tamanho, volume) - big,
magnífico large

Gratuity - gratificação, gorjeta Gratuito - free

Grip - segurar firme Gripe - flu, influenza

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Gripe (noun) - queixa,


Gripe - flu, influenza
reclamação

Gripe (verb) - segurar, agarrar Gripe - flu, influenza

Hazard - risco, perigo Azar - bad luck


H
Hostage - refém Hóspede - guest

Idioms - expressões idiomáticas Idiomas - languages

I Injury - ferimento Injúria - offense, insult

Intend - pretender Entender - to understand

J Journal - periódico Jornal - newspaper

Lecture - palestra, conferência Leitura - reading

Legate - embaixador Legado - legacy

L Legend - lenda Legenda - subtitles

Library - biblioteca Livraria - bookstore

Location - localização Locação - rental

Mayor - prefeito Maior - bigger


M
Medicine - remédio,
Medicina - medicine
medicamento, medicina

N Notice - aviso, notificação Notícia - news

Ofício - trade, profession,


Office - escritório, consultório
function
O
Official - funcionário, oficial
Oficial militar - officer
(adjetivo)

Parente - pai ou mãe Parente - relative


P
Particular - específico, exato Particular - personal, private

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Pasta - massa (alimento) Pasta - folder

Patron - patrono, cliente, freguês Patrão - employer, boss

Phrase - expressão consagrada,


Frase - sentence
locução

Physician - médico Físico - physicist

Policy - política, norma, apólice


Polícia - police
(de seguro)

Port - porto Porta - door

Prejudice - preconceito Prejuízo - damage, loss

Preservative - conservante Preservativo - condom

Pretend - fingir Pretender - to intend

Proper – apropriado, adequado Próprio - own

Pull - puxar Pular - to jump

Push - empurrar Puxar - to pull

Ranger (verbo) - to creak, to


Range (verb) - variar, oscilar
grind
Realize - notar, perceber, Realizar - to make come true, to
compreender accomplish

Recipient - destinatário, receptor Recipiente - container

Reclaim - recuperar Reclamar - to complain about


R
Record - gravar, disco, gravação Recordar - to remember, to recall

Requirement - requisito,
Requerimento - application
exigência

Respite - descanso, folga Respeito - respect

Resume - retomar, reiniciar,


Resumir - to sumarize
continuar

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Résumé - curriculum vitae,


Resumir - to sumarize
currículo

Retired - aposentado Retirado - removed

Service - atendimento Serviço - job

Sort - espécie, tipo Sorte - fortune, luck

Estrangeiro - foreign (adjective),


Stranger - desconhecido
Foreigner (noun)
Suportar (tolerar) - to stand, to
S Support - apoiar, suportar
bear
Simpatizar - to feel na affection
Sympathize - compadecer-se
for
Sympathy - compaixão,
Simpatia - affection, affinity
solidariedade
Syllabus - conteúdo
Sílaba - syllabe
programático

Tax - imposto Taxa - rate, fee

T Tent - barraca, tenda Tentar - to try

Turn - vez, volta, curva, virar,


Turno - round, shift
girar

U Ultimately - em última análise Ultimamente - lately, recently

V Vegetables - verduras, legumes Vegetais - plants

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

equivale ao administration (administrador);


-TION sufixo “-ção” em communication (comunicação);
português organization (organização)
hopeless (sem esperança; desesperado);
friendless (sem amigos); fearless
-LESS sem
(destemido, sem medo); homeless
(desabrigado, sem teto)

PREFIXOS E SUFIXOS - EXEMPLOS

UNbelievABLE INacreditÁVEL

UNthinkABLE IMpensÁVEL

DISrespectFUL DESrespeitOSO

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

PROVAS TRADUZIDAS E COMENTADAS

Órgão: Superintendência de Seguros Privados (SUSEP)

Cargo: Analista Técnico

Banca: ESAF

Ano: 2010

Read the text below entitled “Regulation Modernization” in order


to answer questions 21 to 23:
Leia o texto abaixo, intitulado "Regulamento Modernização", a
fim de responder às perguntas 21 a 23:

Regulation Modernization
Modernização da Regulamentação
Source: www.iii.org (Adapted) Jan, 2010
Fonte: www.iii.org (Adaptado) Jan de 2010

Insurance is regulated by the individual states. The move


to modernize insurance regulation is being driven in part by the
globalization of insurance services. Some large U.S. companies
that operate in other countries support the concept of a federal
system that provides one-stop regulatory approval while others
believe the merits of a state system outweigh the virtues of a
single national regulator. As a result of discussions about the
merits of each system, states are making it easier for insurers
to respond quickly to market forces.
O seguro é regulamentado pelos estados individualmente.
O movimento para modernizar a regulamentação dos seguros
está sendo impulsionado em parte pela globalização dos
serviços de seguros. Algumas grandes empresas norte-
americanas, que operam em outros países, apoiam o conceito
de um sistema federal que forneça aprovação regulatória em
uma única etapa, enquanto outros acreditam que os méritos de
um sistema estatal superam as virtudes de uma única entidade
reguladora nacional. Como resultado das discussões sobre as
vantagens de cada sistema, os estados estão facilitando para
que as seguradoras respondam rapidamente às forças do
mercado.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Read the text below entitled “Recent developments” in order to


answer questions 27 to 30:
Leia o texto abaixo "Evolução recente" direito, a fim de
responder às perguntas 27 a 30:

Recent developments
Desenvolvimentos recentes
Source: www.bls.gov (Adapted)
Jan 28th, 2010
Fonte: www.bls.gov (Adaptado)
28 de janeiro de 2010

The recent financial crisis has resulted in large losses for


the insurance industry. Industry conditions in the near term
remain tenuous, particularly as many companies will continue to
experience declining revenues, investment losses, and credit
rating downgrades, which can affect an insurer’s ability to repay
debt by having to pay a higher interest rate. Additionally,
insurance companies that were trading in credit default swaps
and other risky instruments without sufficient hedging suffered
especially hard, and some companies even became insolvent.
Companies with prudent risk management strategies also
suffered large losses, because most investment instruments
owned by insurance companies experienced falling values as
they were being sold or marked down as the stock market
deteriorated in late 2008. Nonetheless, as insurers rebuild
capital and adhere to stricter Federal regulations, the insurance
industry is likely to stabilize.
A recente crise financeira resultou em grandes perdas para
a indústria de seguros. As condições da indústria no curto prazo
permanecem tênues, especialmente pois muitas empresas
continuarão experimentando o declínio das receitas, perdas de
investimentos e rebaixamentos de classificação de crédito, que
podem afetar a capacidade de uma seguradora pagar débitos
por ter que pagar uma taxa de juros mais elevada. Além disso,
as companhias de seguros que estavam negociando os swaps de
crédito e outros instrumentos de risco sem cobertura suficiente
sofreram ainda mais e algumas empresas até se tornaram
insolventes. Empresas com estratégias prudentes de gestão de
risco também sofreram grandes perdas, porque a maioria dos
instrumentos de investimento de propriedade das seguradoras
enfrentou queda de valores, enquanto eram vendidos ou tinham
o preço reduzido, à medida em que o mercado de ações se
deteriorava, no final de 2008. No entanto, conforme as
seguradoras reconstroem o capital e aderem às mais rigorosas
regulamentações federais, a indústria de seguros tende a
estabilizar.

The Internet is an important tool for insurance carriers in


reaching potential and existing customers. Insurance carriers
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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Órgão: Ministério do Planejamento, Orçamento e Gestão (MPOG)

Cargo: Especialista em Políticas Públicas e Gestão Governamental


(EPPGG)

Banca: ESAF

Ano: 2009

Read part of the interview below entitled “Faith-based politics”


in order to answer questions 21 to 24:
Leia parte da entrevista abaixo entitulada "Política baseada na
fé", a fim de responder às perguntas 21 a 24:

Faith-based politics
Política baseada na fé
Source: Newsweek Magazine (Adapted)
May 25th 2009
Fonte: Newsweek Magazine (adaptado)
25 de maio de 2009

Tony Blair, Britain´s longest-serving Labour Prime Minister, left


office in 2007 as a relatively young man of 54. At his office in
London, Blair spoke to NEWSWEEK´s Stryker McGuire.
Excerpts:
Tony Blair, o primeiro-ministro mais antigo do Partido do
Trabalho da Grã-Bretanha, deixou o cargo em 2007, como um
homem relativamente jovem de 54 anos. Em seu escritório em
Londres, Blair falou com Stryker McGuire da NEWSWEEK.
Trechos:

Question 1: There´s much evidence that religious beliefs


have been a force for evil in the world. How do you
persuade people to put faith in faith?
Pergunta 1: Há muita evidência de que as crenças religiosas
têm exercido uma pressão para o mal no mundo. Como
convencer as pessoas a ter fé na fé?

Many people do see faith as a source of division and conflict.


There is another side that the world of faith isn´t often good
enough at putting forward – which is about compassion,
solidarity, social justice.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Muitas pessoas realmente veêm a fé como uma fonte de divisão


e conflito. Há um outro lado em que, frequentemente, o mundo
da fé não é suficientemente bom em apresentar - que é sobre a
compaixão, a solidariedade e a justiça social.

Question 2: How do you think President Barack Obama is


doing as a leader and healer on the world scene?
Pergunta 2: Como você acha que o presidente Barack Obama
está se saindo como um líder e curador no cenário mundial?

He´s created a situation where there is a possibility of a


completely different form of engagement with the world of Islam
and with the outside world. The single most important thing for
him is that his decision to reach out is answered by the rest of
the world by a decision to reach back. As I keep saying to
people, he doesn´t want cheerleaders; he wants partners. You
know, he doesn´t want people to tell him how great he is; he´s
perfectly well aware of the transient nature of all that fluff, as it
were, around the new president and the first hundred days.
He´s trying to change the world in partnership, and he needs
partners to do it.
Ele criou uma situação em que existe a possibilidade de uma
forma completamente diferente de envolvimento com o mundo
do Islã e com o mundo exterior. A única coisa mais importante
para ele é que a sua decisão de se aproximar seja
correspondida de volta pelo resto do mundo. Como eu sempre
digo para as pessoas, ele não quer líderes de torcida; ele quer
parceiros. Você sabe, ele não quer pessoas para lhe dizer o
quão ótimo ele é; ele está perfeitamente consciente da natureza
transitória dessas firulas, por assim dizer, em torno do novo
presidente e dos primeiros cem dias. Ele está tentando mudar o
mundo através de parcerias e ele precisa de parceiros para fazer
isso.

21- In his answer to question 1, Mr Blair


Em sua resposta à pergunta 1, o Sr. Blair

a) disregards the role played by faith.


ignora o papel desempenhado pela fé.

b) excludes faith from his analysis.


exclui a fé de sua análise.

c) defines faith as a source of division.


define a fé como uma fonte de divisão.

d) points to other aspects of faith.


aponta para outros aspectos da fé.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Read the text below which is entitled “Economic recovery: the


case of the BRICs” in order to answer questions 25 to 27:
Leia o texto abaixo, que é intitulado "A recuperação econômica:
o caso dos BRICs", a fim de responder as perguntas 25 a 27:

Economic recovery: the case of the BRICs


A recuperação econômica: o caso dos BRICs

Source: www.economist.com
June 18th 2009 (Adapted)
Fonte: www.economist.com
18 de junho de 2009 (Adaptado)

According to the IMF´s Mr Felman, in early 2008 all the


contribution of investment to growth came from non-state-
owned enterprises, mostly the private sector; since December
2008, more than half has come from state-owned enterprises.
Something similar is happening in Brazil. Between last
September and this January credit from foreign-owned and
domestic private banks rose by 3%; credit from public banks
rose by 14%. The beneficiaries seem to be large firms, where
loans are growing four times as quickly as at small ones.
De acordo com o Sr. Felman do FMI, no início de 2008
toda a contribuição do investimento para o crescimento veio de
empresas não estatais, principalmente do setor privado; desde
dezembro de 2008, mais da metade originou-se de empresas
estatais. Algo semelhante está acontecendo no Brasil. Entre
setembro passado e janeiro atual, o crédito proveniente de
bancos privados de capital estrangeiro e doméstico aumentou
em 3%; o crédito de bancos públicos aumentou em 14%. Os
beneficiários parecem ser as grandes empresas, onde os
empréstimos estão crescendo quatro vezes mais rapidamente
do que nas pequenas.

It is not clear how far, in the long run, the BRICs (Brazil,
Russia, India and China) will be affected by a big rise in the size
of the government and large state-owned firms. But that rise is
probably inevitable. China and, to a lesser extent, Brazil and
India, benefited hugely from America´s appetite for imports in
2000-08. That appetite has fallen and is likely to remain low for
years, as American consumers adjust their spending and
savings habits. The rise may also be difficult to reverse: the
experience of the West has been that the public sector expands
relentlessly until it reaches between 40% and 50% of GDP
(Gross Domestic Product). But if the BRICs cannot export their
way out of recession, the expansion of government is the main
alternative to the slump being endured in those other big capital
exporters.
Não está claro até que ponto, a longo prazo, os BRICs
(Brasil, Rússia, Índia e China) serão afetados por um grande
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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

capitals has been different. Forty-six states had a deadline of


June 30th to pass their budgets. Just as important, those
budgets had to be balanced. With the sole exemption of
Vermont, America´s state governments, unlike the federal one,
are not allowed to run deficits. June was an agonizing month.
O mantra em Washington, DC é simples: gastar bilhões
agora, pagar depois. O Congresso tem elaborado planos
ambiciosos para a energia, saúde e transporte. Mas o clima nas
capitais dos estados tem sido diferente. Quarenta e seis estados
tiveram um prazo até 30 de junho para aprovar os seus
orçamentos. Tão importante quanto isso, esses orçamentos
tinham que ser equilibrados. Com a única exceção de Vermont,
os governos estaduais da America, ao contrário do federal, não
estão autorizados a incorrer em déficits. Junho foi um mês de
agonia.

On the morning of July 1st, the first day of the new fiscal
year for most states, taxpayers had reason to be glum.
Connecticut, North Carolina and Ohio had passed temporary
extensions. California, Arizona, Pennsylvania and Illinois did not
have a balanced budget as required. Most states that did pass
budgets imposed painful cuts, higher taxes and fees on
everything from pesticides in Minnesota to hunting licences in
Maine.
Na manhã do dia 1º de julho, o primeiro dia do novo ano
fiscal para a maioria dos estados, os contribuintes tinham razão
para estarem mal-humorados. Connecticut, Carolina do Norte e
Ohio tinham aprovado acréscimos temporários. Califórnia,
Arizona, Pensilvânia e Illinois não tinham um orçamento
equilibrado conforme exigido. A maioria dos estados que
aprovaram orçamentos, impuseram dolorosos cortes, impostos
e taxas mais altos sobre tudo, desde pesticidas em Minnesota
até licenças de caça em Maine.

Matters would be worse if it were not for Washington´s


stimulus package, which provides more than $135 billion to
support state budgets. Most money, $87 billion, is for Medicaid,
the government´s health-care programme for the poor. A
further $48 billion created a State Fiscal Stabilisation Fund,
mostly for schools and universities.
A questão estaria pior se não fosse o pacote de estímulo
de Washington, que fornece mais de 135 bilhões de dólares
para apoiar os orçamentos estaduais. A maior parte do dinheiro,
87 bilhões de dólares, é para o Medicaid, programa
governamental de saúde para os pobres. Mais de 48 bilhões de
dólares criaram um Fundo de Estabilização Fiscal do Estado,
principalmente para escolas e universidades.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Órgão: Agência Nacional de Águas (ANA)

Cargo: Analista Administrativo

Banca: ESAF

Ano: 2009

Your answers to questions 13 to 16 must be based on the article


below entitled “The accidental environmentalists”:
Suas respostas às perguntas 13 a 16 devem basear-se no artigo
abaixo, intitulado "Os ambientalistas acidentais":

The accidental environmentalists


Os ambientalistas acidentais
Source: www.economist.com Dec, 11th 2008 (Adapted)
Fonte: www.economist.com Dez 11 2008 (adaptado)

More destructive hurricanes, shrinking forests, melting


glaciers, disappearing animals: the prospective damage to Latin
America and the Caribbean from climate change makes for grim
reading. A new World Bank report, timed to coincide with a
United Nations conference in Poland, tries to put numbers to the
potential economic cost. By taking the Intergovernmental Panel
on Climate Change´s predictions for what the planet might feel
like in 2100 and then overlaying data from several thousand
farms situated in regions of varying heat and dryness, it is
possible to make some informed guesses about what the effect
on crop yields, and therefore on GDP, would be if temperatures
rose and rainfall fell.
Furacões mais destrutivos, florestas encolhendo,
derretimento de geleiras, desaparecimento de animais: o dano
potencial da mudança climática para a América Latina e o Caribe
proporciona uma interpretação sombria. Um novo relatório do
Banco Mundial, programado para coincidir com a Conferência
das Nações Unidas na Polônia, tenta colocar números no
potencial custo econômico. Ao tomar o Painel
Intergovernamental sobre as previsões das Mudanças Climáticas
sobre o que o planeta poderá ser em 2100 e, em seguida,
sobrepondo os dados de várias milhares de fazendas situadas
em regiões com diferentes graus de calor e secura, é possível
fazer algumas suposições fundamentadas sobre o que o efeito
sobre o rendimento das culturas, e, portanto, sobre o PIB, seria
se as temperaturas subissem e as chuvas caísssem.

Some Latin countries are already doing things to reduce


net carbon emissions that put them ahead of governments
elsewhere. Much of the region´s power comes from

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Your answers to questions 17 to 20 must be based on the article


below entitled “Looming water crisis simply a management
problem”:
Suas respostas às perguntas 17 a 20 devem basear-se no artigo
abaixo intitulado "Iminente crise da água, simplesmente um
problema de gestão":

Looming water crisis simply a management problem


Iminente crise da água, simplesmente um problema de gestão
Source: www.newscientist.com August 20th 2008 (Adapted)
Fonte: www.newscientist.com 20 de agosto de 2008 (Adaptado)

Today´s focus on the credit crisis and rising prices for


food and oil has temporarily put another global scarcity in the
shade: water. The UN predicts that by 2025, two-thirds of us
will experience water shortages, with severe lack of water
blighting the lives and livelihoods of 1.8 billion. According to the
UN World Water Assessment Programme, by 2050, 7 billion
people in 60 countries may have to cope with water scarcity. At
this year´s World Economic Forum, UN secretary-general Ban
Ki-moon recommended that water scarcity should be at the top
of the international agenda. “As the global economy grows, so
will its thirst,” he said, warning of a future marred by conflicts
over water.
O foco de hoje na crise do crédito e no aumento dos
preços dos alimentos e do petróleo colocou, temporariamente,
outra escassez mundial na sombra: a água. A ONU prevê que,
em 2025, dois terços de nós experimentará a escassez de água,
com a grave falta de água arruinando as vidas e a subsistência
de 1,8 bilhão. De acordo com o Programa Mundial de Avaliação
da Água das Nações Unidas, em 2050, 7 bilhões de pessoas em
60 países poderão ter que lidar com a escassez da água. No
Fórum Econômico Mundial deste ano, o secretário-geral Ban Ki-
moon recomendou que a escassez de água deve estar no topo
da agenda internacional. "À medida que a economia global
cresce, também cresce a sua sede", disse ele, alertando para
um futuro marcado por conflitos sobre a água.

There is no doubt that we need to rethink how we use


water, especially with the human population growing rapidly,
and global warming likely to produce unpredictable patterns of
rainfall and drought. Nevertheless, my own research suggests
that the situation may not be as dire as many are suggesting.
Nations can thrive on surprisingly meagre quantities of fresh
water – provided they adopt water-efficient technologies and
encourage economic activity that does not guzzle water. I
believe the looming water crisis is primarily a problem of
distribution and management rather than supply. And we can

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

PROVAS ANTERIORES

Órgão: Superintendência de Seguros Privados (SUSEP)

Cargo: Analista Técnico

Banca: ESAF

Ano: 2010

Read the text below entitled “Regulation Modernization” in order


to answer questions 21 to 23:

Regulation Modernization
Source: www.iii.org (Adapted) Jan, 2010

Insurance is regulated by the individual states. The move


to modernize insurance regulation is being driven in part by the
globalization of insurance services. Some large U.S. companies
that operate in other countries support the concept of a federal
system that provides one-stop regulatory approval while others
believe the merits of a state system outweigh the virtues of a
single national regulator. As a result of discussions about the
merits of each system, states are making it easier for insurers
to respond quickly to market forces.

States monitor insurance company solvency. One


important function related to this is overseeing rate changes.
Rate making is the process of calculating a price to cover the
future cost of insurance claims and expenses, including a margin
for profit. To establish rates, insurers look at past trends and
changes in the current environment that may affect potential
losses in the future.

Increasingly, even in the most regulated states, officials


are relying on competition among insurance companies to keep
rates down and are modernizing and streamlining the rate
setting process.

21- According to paragraph 1, the globalization of insurance services has

a) infringed the insurance regulation.

b) brought about a particular move.

c) lessened competition among insurance companies.


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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

d) significantly enhanced their quality.

e) helped precipitate a financial crisis.

22- According to paragraph 2, rates

a) differ in different situations.

b) remain unchanged over long periods.

c) are set by the individual states.

d) are not expected to vary.

e) represent the net profit of insurance companies.

23- According to paragraph 3,

a) rates must be kept down by officials.

b) competition may generate excessive rates.

c) competition is expected to impact on rates.

d) rates have to be kept below approved ceilings.

e) the rate setting process was at last streamlined.

Read the text below entitled “A world of connections” in order to


answer questions 24 to 26:

A world of connections
Source: www.economist.com (Adapted)
Jan 28th, 2010

To sceptics all this talk of twittering, yammering and


chattering smacks of another internet bubble in the making.
They argue that even a huge social network such as Facebook
will struggle to make money because fi ckle networkers will not
stay in one place for long, pointing to the example of MySpace,
which was once all the rage but has now become a shadow of its
former self. Last year the site, which is owned by News Corp,
installed a new boss and fi red 45% of its staff as part of a plan
to revive its fortunes.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Within companies there is plenty of doubt about the


benefits of online social networking in the office. A survey of
1,400 chief information officers conducted last year by Robert
Half Technology, a recruitment firm, found that only one-tenth
of them gave employees full access to such networks during the
day, and that many were blocking Facebook and Twitter
altogether. The executives’ biggest concern was that social
networking would lead to social notworking, with employees
using the sites to chat with friends instead of doing their jobs.
Some bosses also fretted that the sites would be used to leak
sensitive corporate information.

24- According to paragraph 1, the site MySpace

a) has turned into the most popular social network.

b) attracts more networkers than Facebook.

c) played a minor role as a social-networking site.

d) convinced sceptics of its outstanding value.

e) laid off almost half of its staff.

25- According to paragraph 2, the benefits of online social networking in


the office are

a) undeniable.

b) numerous.

c) long-lasting.

d) uncertain.

e) predictable.

26- According to paragraph 2, some bosses also worried that through the
sites sensitive corporate information would be
a) altered.

b) distorted.

c) made classified.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

d) disclosed.

e) negotiated.

Read the text below entitled “Recent developments” in order to


answer questions 27 to 30:

Recent developments
Source: www.bls.gov (Adapted)
Jan 28th, 2010

The recent financial crisis has resulted in large losses for


the insurance industry. Industry conditions in the near term
remain tenuous, particularly as many companies will continue to
experience declining revenues, investment losses, and credit
rating downgrades, which can affect an insurer’s ability to repay
debt by having to pay a higher interest rate. Additionally,
insurance companies that were trading in credit default swaps
and other risky instruments without sufficient hedging suffered
especially hard, and some companies even became insolvent.
Companies with prudent risk management strategies also
suffered large losses, because most investment instruments
owned by insurance companies experienced falling values as
they were being sold or marked down as the stock market
deteriorated in late 2008. Nonetheless, as insurers rebuild
capital and adhere to stricter Federal regulations, the insurance
industry is likely to stabilize.

The Internet is an important tool for insurance carriers in


reaching potential and existing customers. Insurance carriers
use the Internet to enable customers to access online account
and billing information, view insurance quotes, and purchase
policies.

27- According to the text, large losses

a) have been faced by the insurance industry.

b) were easily foreseen by the insurance industry.

c) might be caused by the insurance industry.

d) should have been prevented by the industry.

e) may be overcome by the insurance industry.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

28- The author defines the industry conditions in the near term as
tenuous, which means they are

a) strong, but predictable.

b) stable and vigorous.

c) weak and likely to change.

d) positive and promising.

e) unfavourable and not changing.

29- According to the text,

a) the insurance industry has stabilized.

b) Federal regulations are becoming more severe.

c) management strategies prevented losses.

d) large losses were caused by insurers.

e) insurers were indeed capable of rebuilding capital.

30- According to the text, the role played by the Internet within the
insurance industry is

a) secondary.

b) undefined.

c) overvalued.

d) underestimated.

e) relevant.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

Órgão: Ministério do Planejamento, Orçamento e Gestão (MPOG)

Cargo: Especialista em Políticas Públicas e Gestão Governamental


(EPPGG)

Banca: ESAF

Ano: 2009

Read part of the interview below entitled “Faith-based politics”


in order to answer questions 21 to 24:

Faith-based politics
Source: Newsweek Magazine (Adapted)
May 25th 2009

Tony Blair, Britain´s longest-serving Labour Prime Minister, left


office in 2007 as a relatively young man of 54. At his office in
London, Blair spoke to NEWSWEEK´s Stryker McGuire.
Excerpts:

Question 1: There´s much evidence that religious beliefs


have been a force for evil in the world. How do you
persuade people to put faith in faith?
Many people do see faith as a source of division and conflict.
There is another side that the world of faith isn´t often good
enough at putting forward – which is about compassion,
solidarity, social justice.

Question 2: How do you think President Barack Obama is


doing as a leader and healer on the world scene?
He´s created a situation where there is a possibility of a
completely different form of engagement with the world of Islam
and with the outside world. The single most important thing for
him is that his decision to reach out is answered by the rest of
the world by a decision to reach back. As I keep saying to
people, he doesn´t want cheerleaders; he wants partners. You
know, he doesn´t want people to tell him how great he is; he´s
perfectly well aware of the transient nature of all that fluff, as it
were, around the new president and the first hundred days.
He´s trying to change the world in partnership, and he needs
partners to do it.

21- In his answer to question 1, Mr Blair

a) disregards the role played by faith.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

b) excludes faith from his analysis.

c) defines faith as a source of division.

d) points to other aspects of faith.

e) puts faith as a source of evil.

22- In his answer to question 1, Mr Blair refers to compassion, solidarity


and social justice as concepts “the world of faith is not good enough at
putting forward.” In other words, at

a) embracing.

b) preventing.

c) propounding.

d) discouraging.

e) experiencing.

23- In his answer to question 2, Mr Blair says that President Barack


Obama is “perfectly well aware of the transient nature of all that fluff.”
In other words, the US President

a) believes its characteristics are lasting.

b) understands its ephemeral nature.

c) feels fluff is a sensitive issue.

d) underestimates the intensity of flattery.

e) conceives fluff as naturally unique.

24- In Mr Blair´s view, President Barack Obama

a) ought to have sought partnership.

b) wants to be approved and praised.

c) should consider building partnerships.

d) must prioritise some religious issues.

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

e) is seeking partnership.

Read the text below which is entitled “Economic recovery: the


case of the BRICs” in order to answer questions 25 to 27:

Economic recovery: the case of the BRICs


Source: www.economist.com
June 18th 2009 (Adapted)

According to the IMF´s Mr Felman, in early 2008 all the


contribution of investment to growth came from non-state-
owned enterprises, mostly the private sector; since December
2008, more than half has come from state-owned enterprises.
Something similar is happening in Brazil. Between last
September and this January credit from foreign-owned and
domestic private banks rose by 3%; credit from public banks
rose by 14%. The beneficiaries seem to be large firms, where
loans are growing four times as quickly as at small ones.

It is not clear how far, in the long run, the BRICs (Brazil,
Russia, India and China) will be affected by a big rise in the size
of the government and large state-owned firms. But that rise is
probably inevitable. China and, to a lesser extent, Brazil and
India, benefited hugely from America´s appetite for imports in
2000-08. That appetite has fallen and is likely to remain low for
years, as American consumers adjust their spending and
savings habits. The rise may also be difficult to reverse: the
experience of the West has been that the public sector expands
relentlessly until it reaches between 40% and 50% of GDP
(Gross Domestic Product). But if the BRICs cannot export their
way out of recession, the expansion of government is the main
alternative to the slump being endured in those other big capital
exporters.

25- According to paragraph 1, in 2008, economic growth through


investment

a) was mainly stimulated by state-sector businesses.

b) is yet to be translated into reliable figures.

c) did not derive from a single source.

d) is soon to be defined by the IMF´s Mr Felman.

e) did not come from the private sector.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

26- According to paragraph 2, a big rise in the size of the government in


the BRICs seems to be

a) controllable.

b) undesirable.

c) threatening.

d) unavoidable.

e) unlikely.

27- According to paragraph 2, the quantity of goods imported by the USA


has

a) decreased.

b) grown.

c) abounded.

d) risen.

e) halved.

Read the text below entitled “Happy new year” so as to answer


questions 28 to 30:

Happy new year


Source: www.economist.com
Jul 2nd 2009 (Adapted)

The mantra in Washington, DC is simple: spend billions


now, pay later. Congress has been crafting ambitious plans for
energy, health care and transport. But the mood in state
capitals has been different. Forty-six states had a deadline of
June 30th to pass their budgets. Just as important, those
budgets had to be balanced. With the sole exemption of
Vermont, America´s state governments, unlike the federal one,
are not allowed to run deficits. June was an agonizing month.

On the morning of July 1st, the first day of the new fiscal
year for most states, taxpayers had reason to be glum.
Connecticut, North Carolina and Ohio had passed temporary

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Inglês
Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

extensions. California, Arizona, Pennsylvania and Illinois did not


have a balanced budget as required. Most states that did pass
budgets imposed painful cuts, higher taxes and fees on
everything from pesticides in Minnesota to hunting licences in
Maine.

Matters would be worse if it were not for Washington´s


stimulus package, which provides more than $135 billion to
support state budgets. Most money, $87 billion, is for Medicaid,
the government´s health-care programme for the poor. A
further $48 billion created a State Fiscal Stabilisation Fund,
mostly for schools and universities.

28- According to paragraph 1,

a) ambitious plans have been devised by state governments.

b) on June 30th, 46 states had already trimmed their budgets.

c) deficits have been closed by forty-six states.

d) lower revenue collections had been forecast up to June 30th.

e) June was a very worrying and upsetting month.

29- According to paragraph 2, “taxpayers had reason to be glum”. In


other words, they

a) were understandably disappointed and sad.

b) ought to feel worried, but also relieved.

c) would rather be depressed.

d) might well be cautiously optimistic.

e) could reasonably seem hopeful.

30- According to paragraph 3,

a) Washington´s stimulus package was slashed.

b) state budgets are being supported.

c) a stimulus package is going to be provided.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

d) lay-offs and furloughs have been prevented.

e) states are going to close their deficits.

Órgão: Agência Nacional de Águas (ANA)

Cargo: Analista Administrativo

Banca: ESAF

Ano: 2009

Your answers to questions 13 to 16 must be based on the article


below entitled “The accidental environmentalists”:

The accidental environmentalists


Source: www.economist.com Dec, 11th 2008 (Adapted)

More destructive hurricanes, shrinking forests, melting


glaciers, disappearing animals: the prospective damage to Latin
America and the Caribbean from climate change makes for grim
reading. A new World Bank report, timed to coincide with a
United Nations conference in Poland, tries to put numbers to the
potential economic cost. By taking the Intergovernmental Panel
on Climate Change´s predictions for what the planet might feel
like in 2100 and then overlaying data from several thousand
farms situated in regions of varying heat and dryness, it is
possible to make some informed guesses about what the effect
on crop yields, and therefore on GDP, would be if temperatures
rose and rainfall fell.

Some Latin countries are already doing things to reduce


net carbon emissions that put them ahead of governments
elsewhere. Much of the region´s power comes from
hydroelectricity and biofuels. The result is that emissions of
carbon dioxide per unit of power are 74% lower than in India
and China.

There are obstacles to taking these policies further. In


Brazil, plans for more hydroelectric dams in the Amazon are
opposed by some environmentalists; they claim the resulting

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

flooding of forest prompts methane-producing rotting


vegetation.

13- As regards the potential economic cost caused by climate change,


figures

a) cannot be set.

b) are going to be presented.

c) would have to be shown.

d) seem to minimize its effect.

e) do not reflect its dire threat.

14- In some Latin American countries, carbon dioxide emissions per unit
of power

a) are unacceptably high in relation to other countries.

b) have increased significantly over the last few decades.

c) are considerably lower than those of India and China.

d) are being tackled through the construction of new capacity.

e) need to be reduced by around 74% as soon as possible.

15- In relation to the constructions of hydroelectric dams in the Amazon,


some environmentalists

a) support and supervise them.

b) have prevented them.

c) devised a number of them.

d) take part in their initial plan.

e) do not approve of them.

16- As regards the use of hydroelectricity and biofuels, both are linked to

a) the reduction of carbon dioxide emissions.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

b) a likely cut in carbon dioxide emissions.

c) the increase of carbon emissions.

d) reductions in gas emissions in China.

e) unforeseeable reductions in carbon emissions.

Your answers to questions 17 to 20 must be based on the article


below entitled “Looming water crisis simply a management
problem”:

Looming water crisis simply a management problem


Source: www.newscientist.com August 20th 2008 (Adapted)

Today´s focus on the credit crisis and rising prices for


food and oil has temporarily put another global scarcity in the
shade: water. The UN predicts that by 2025, two-thirds of us
will experience water shortages, with severe lack of water
blighting the lives and livelihoods of 1.8 billion. According to the
UN World Water Assessment Programme, by 2050, 7 billion
people in 60 countries may have to cope with water scarcity. At
this year´s World Economic Forum, UN secretary-general Ban
Ki-moon recommended that water scarcity should be at the top
of the international agenda. “As the global economy grows, so
will its thirst,” he said, warning of a future marred by conflicts
over water.

There is no doubt that we need to rethink how we use


water, especially with the human population growing rapidly,
and global warming likely to produce unpredictable patterns of
rainfall and drought. Nevertheless, my own research suggests
that the situation may not be as dire as many are suggesting.
Nations can thrive on surprisingly meagre quantities of fresh
water – provided they adopt water-efficient technologies and
encourage economic activity that does not guzzle water. I
believe the looming water crisis is primarily a problem of
distribution and management rather than supply. And we can
solve it with existing technologies, increased investment and
political will.

17- According to paragraph 1, water shortages

a) are not going to occur.

b) are foreseen.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

c) would have to be calculated.

d) have been compensated.

e) were not dealt with.

18- In paragraph 1, the author refers to “a future marred by conflicts


over water”. In other words, a future

a) unspoiled by them.

b) rid of them.

c) broadened by them.

d) clouded by them.

e) safeguarded by them.

19- In paragraph 2, the author says that based on his own research, the
situation

a) might not be so severe.

b) must be promptly addressed.

c) could have been hindered.

d) may bring about catastrophic shifts.

e) should have been resolved.

20- In paragraph 2, the author implies that the problem of distribution


and management of water is

a) overestimated.

b) marginal.

c) paramount.

d) extraneous.

e) secondary.

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Prof a Marina Marcondes e Prof. Roberto Witte – Aula 05

16. A
17. B
18. D
19. A
20. C

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