February 18th
Ruth Walter
2921 Cypress Lane
Smithfield, UT 00375
Dear Ms. Walter,
It has come to our attention that you have failed to remit payment for service provided during the two billing periods of 7/15-8/14 and 9/15-10/14 last year.
Our records indicate that multiple bills for these periods have been sent to your address without reply. At this point, we are regrettably required to take stronger measures. If by April 15 we have not received payment in full, including all late fees charged, we will be forced to terminate service to your residence.
For further information about this action, or to verify the amount of your outstanding balance, please call our Customer Service Center at 1-888-555-3802, or write to the following address:

Accounts Payable Division
Northern Utah Gas & Power
55755 State Highway 16
Logan, UT 00378

February 27th
Accounts Payable Division
Northern Utah Gas & Power
55755 State Highway 16
Logan, UT 00378
Service representative,
I recently received a notification of outstanding charges on my account. I am very confused and distressed by the situation outlined in your letter.
First of all, I am certain that I paid for all services during the two billing period in question. The payments were on time and for the correct amount. I used your company’s automated telephone billing system and paid with my credit card. I am including transaction receipts from my credit card company that list these payments and Lhe dates on which they were processed by your company.
After I had paid then, I did receive multiple bills for the periods 7/15-8/14 and 9/15-10/14 as stated in your letter. I tried repeatedly to report this error to your company via the customer service email system, but I never received a response. I am also attaching copies of these emails for your review.
These documents clearly show that I have made all payments in a timely fashion, and I hope they will help you resolve this situation. If you have any more questions for me, please contact me by phone (555-7690) or email (rwalt79@mzmail.com).
Ruth Walter

According to her letter, what action did Ms. Walter take ?()

A:She called the company to complain B:She paid her bills by telephone C:She emailed her credit card company D:She sent payments for late fees

If the opinion polls are to be believed, most Americans are coming to trust their government more than they used to. The habit has not yet spread widely among American Indians, who suspect an organization which has so often patronized them, lied to them and defrauded them. But the Indians may soon win a victory in a legal battle that epitomizes those abuses.
Elouise Cobell, a banker who also happens to be a member of the Blackfeet tribe in Montana, is the leading plaintiff in a massive class-action suit against the government. At issue is up to $10 billion in trust payments owed to some 500,000 Indians. The suit revolves around Individual Indian Money (11M) accounts that are administered by the Interior Department’s Bureau of Indian Affairs (BIA). Back in the 1880s, the government divided more than 11m acres of tribal land into parcels of 80 to 160 acres that were assigned to individual Indians. Because these parcels were rarely occupied by their new owners, the government assumed responsibility for managing them. As the Indians’ trustee, it leased the land out for grazing, logging, mining and oil drilling--but it was supposed to distribute the royalties to the Indian owners.
In fact, officials admit that royalties have been lost or stolen. Records were destroyed, and the government lost track of which Indians owned what land. The plaintiffs say that money is owing to 500,000 Indians, but even the government accepts a figure of about 300,000. For years, Cobell heard Indians complain of not getting payment from the government for the oil-drilling and ranching leases on their land. But nothing much got done. She returned to Washington and, after a brush-off from government lawyers, filed the suit.
Gale Norton, George Bush’s interior secretary was charged with contempt in November because her department had failed to fix the problem. In December, Judge Lam berth ordered the interior Department to shut down all its computers for ten weeks because trust-fund records were vulnerable to hackers. The system was partly restored last month and payments to some Indians, which had been interrupted l resumed.
And that is not the end of it. Ms Norton has proposed the creation of a new Bureau of Indian Trust Management, separate from the BIA. Indians are cross that she suggested this without consulting them. Some want the trust funds to be placed in receivership, under a , neutral supervisor. Others have called for Congress to establish an independent commission, including Indians, to draw up a plan for reforming the whole system. A messy injustice may at last be getting sorted out.
When mentioning "parcels of 80 to 160 acres", the writer is talking about

A:oil prospectors. B:trust payments. C:private property. D:land ownership.

If the opinion polls are to be believed, most Americans are coming to trust their government more than they used to. The habit has not yet spread widely among American Indians, who suspect an organization which has so often patronized them, lied to them and defrauded them. But the Indians may soon win a victory in a legal battle that epitomizes those abuses.
Elouise Cobell, a banker who also happens to be a member of the Blackfeet tribe in Montana, is the leading plaintiff in a massive class-action suit against the government. At issue is up to $10 billion in trust payments owed to some 500,000 Indians. The Suit revolves around Individual Indian Money (11M) accounts that are administered by the Interior Department’s Bureau of Indian Affairs (BIA). Back in the 1880s, the government divided more than 11m acres of tribal land into parcels of 80 to 160 acres that were assigned to individual Indians. Because these parcels were rarely occupied by their new owners, the government assumed responsibility for managing them. As the Indians’ trustee, it leased the land out for grazing, logging, mining and oil drilling--but it was supposed to distribute the royalties to the Indian owners.
In fact, officials admit that royalties have been lost or stolen. Records were destroyed, and the government lost track of which Indians owned what land. The plaintiffs say that money is owing to 500,000 Indians, but even the government accepts a figure of about 300,000. For years, Cobell heard Indians complain of not getting payment from the government for the oil-drilling and ranching leases on their land. But nothing much got done. She returned to Washington and, after a brush-off from government lawyers, filed the suit.
Gale Norton, George Bush’s interior secretary was charged with contempt in November because her department had failed to fix the problem. In December, Judge Lam berth ordered the interior Department to shut down all its computers for ten weeks because trust-fund records were vulnerable to hackers. The system was partly restored last month and payments to some Indians, which had been interrupted, resumed.
And that is not the end of it. Ms Norton has proposed the creation of a new Bureau of Indian Trust Management, separate from the BIA. Indians are cross that she suggested this without consulting them. Some want the trust funds to be placed in receivership, under a neutral supervisor. Others have called for Congress to establish an independent commission, including Indians, to draw up a plan for reforming the whole system. A messy injustice may at last be getting sorted out.

When mentioning "parcels of 80 to 160 acres", the writer is talking about()

A:oil prospectors. B:trust payments. C:private property. D:land ownership.

If the opinion polls are to be believed, most Americans are coming to trust their government more than they used to. The habit has not yet spread widely among American Indians, who suspect an organization which has so often patronized them, lied to them and defrauded them. But the Indians may soon win a victory in a legal battle that epitomizes those abuses.
Elouise Cobell, a banker who also happens to be a member of the Blackfeet tribe in Montana, is the leading plaintiff in a massive class-action suit against the government. At issue is up to $10 billion in trust payments owed to some 500,000 Indians. The suit revolves around Individual Indian Money (11M) accounts that are administered by the Interior Department’s Bureau of Indian Affairs (BIA). Back in the 1880s, the government divided more than 11m acres of tribal land into parcels of 80 to 160 acres that were assigned to individual Indians. Because these parcels were rarely occupied by their new owners, the government assumed responsibility for managing them. As the Indians’ trustee, it leased the land out for grazing, logging, mining and oil drilling--but it was supposed to distribute the royalties to the Indian owners.
In fact, officials admit that royalties have been lost or stolen. Records were destroyed, and the government lost track of which Indians owned what land. The plaintiffs say that money is owing to 500,000 Indians, but even the government accepts a figure of about 300,000. For years, Cobell heard Indians complain of not getting payment from the government for the oil-drilling and ranching leases on their land. But nothing much got done. She returned to Washington and, after a brush-off from government lawyers, filed the suit.
Gale Norton, George Bush’s interior secretary was charged with contempt in November because her department had failed to fix the problem. In December, Judge Lam berth ordered the interior Department to shut down all its computers for ten weeks because trust-fund records were vulnerable to hackers. The system was partly restored last month and payments to some Indians, which had been interrupted l resumed.
And that is not the end of it. Ms Norton has proposed the creation of a new Bureau of Indian Trust Management, separate from the BIA. Indians are cross that she suggested this without consulting them. Some want the trust funds to be placed in receivership, under a , neutral supervisor. Others have called for Congress to establish an independent commission, including Indians, to draw up a plan for reforming the whole system. A messy injustice may at last be getting sorted out.

When mentioning "parcels of 80 to 160 acres", the writer is talking about()

A:oil prospectors B:trust payments C:private property D:land ownership

Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to (1) anything, it collects accurate figures about the (2) . It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he (3) in crossing a busy road. This (4) it to quote low figures for travel insurance. Sometimes the risk may be high, as in motorracing or mountaineering. Then the company (5) a much higher price. (6) too many climbers have accidents, the price rises still further. If the majority of climbers fall off mountains, the company will (7) to insure them.
An ordinary householder may wish to protect his home against fire or his (8) against burglary. A shop keeper may wish to insure against (9) . In (10) cases, the company will check its statistics and quote a premium. If it is (11) , it may refuse to quote. If it insures a shop and then receives a suspicious (12) , it will (13) the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also (14) insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large (15) is charged, but a (16) is given to companies with an accident-free record.
Every week insurance companies receive premium (17) from customers. These payments can form a very large total (18) millions of dollars. The company does not leave the money in the bank. It (19) in property, shares, farms and even antique paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not so greedy as it may seem, since this is one way by which it can deep its premiums down and continue to make a profit (20) being of service to the community.

17()

A:payments B:fund C:capital D:allowance

 The Role of Governments   1 Governments determine the legal framework that sets the basic meets for the ownership of property and the operation of markets. In addition, governments at all levels regulate economic behavior, setting detailed rules for the operation of businesses. Such regulations apply to all businesses; examples include laws against fraud and racial discrimination.   2 Governments buy and produce many goods and services, such as defense, education, parks and roads, which they provide for firms and households. They typically buy computers but write programs they need to operate them. Governments also produce and sell goods. In many countries the phone company is government-owned, like the electric system.   3 Governments also make transfer payments, such as Social Security and unemployment benefits to individuals. Transfer payments are payments for which no current economic goods or service is provided in return and therefore do not represent expenditure for the purchase of final products. A firefighter’s salary is not a transfer payment, but welfare benefits are.   4 Governments pay for the goods they buy and for the transfer payments they make mostly by collecting taxes, including personal income taxes, property taxes, social insurance taxes, and sales taxes. Over 60% of the government revenue in the U.S. is collected by the federal government. This does not include taxes collected by state and city government.   5 Every market economy suffers from business cycles. Governments, through their control of taxes and government spending and through their ability to control the quantity of money, often attempt to modify fluctuations in the business cycle. For instance, the government may reduce taxes in a recession in the hope that people will increase spending and thus raise the GNP.

A:Collecting Taxes B:Making Transfer Payments C:Making Laws and Regulations D:Buying and Selling Goods and Services E:Stabilizing the Economy F:Controlling the Market

February 18th
Ruth Walter
2921 Cypress Lane
Smithfield, UT 00375
Dear Ms. Walter,
It has come to our attention that you have failed to remit payment for service provided during the two billing periods of 7/15-8/14 and 9/15-10/14 last year.
Our records indicate that multiple bills for these periods have been sent to your address without reply. At this point, we are regrettably required to take stronger measures. If by April 15 we have not received payment in full, including all late fees charged, we will be forced to terminate service to your residence.
For further information about this action, or to verify the amount of your outstanding balance, please call our Customer Service Center at 1-888-555-3802, or write to the following address:

Accounts Payable Division
Northern Utah Gas & Power
55755 State Highway 16
Logan, UT 00378

February 27th
Accounts Payable Division
Northern Utah Gas & Power
55755 State Highway 16
Logan, UT 00378
Service representative,
I recently received a notification of outstanding charges on my account. I am very confused and distressed by the situation outlined in your letter.
First of all, I am certain that I paid for all services during the two billing period in question. The payments were on time and for the correct amount. I used your company’s automated telephone billing system and paid with my credit card. I am including transaction receipts from my credit card company that list these payments and Lhe dates on which they were processed by your company.
After I had paid then, I did receive multiple bills for the periods 7/15-8/14 and 9/15-10/14 as stated in your letter. I tried repeatedly to report this error to your company via the customer service email system, but I never received a response. I am also attaching copies of these emails for your review.
These documents clearly show that I have made all payments in a timely fashion, and I hope they will help you resolve this situation. If you have any more questions for me, please contact me by phone (555-7690) or email (rwalt79@mzmail.com).
Ruth Walter

According to her letter, what action did Ms. Walter take ?()

A:She called the company to complain B:She paid her bills by telephone C:She emailed her credit card company D:She sent payments for late fees

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