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Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions from 36 to 42.  It is estimated that by 2050 more than two-thirds of the world's population will live in cities, up from about 54 percent today. While the many benefits of organized and efficient cities are well understood, we need to recognize that this rapid, often unplanned urbanization brings risks of profound social instability, risks to critical infrastructure, potential water crises and the potential for devastating spread of disease. These risks can only be further exacerbated as this unprecedented transition from rural to urban areas continues.  How effectively these risks can be addressed will increasingly be determined by how well cities are governed. The increased concentration of people, physical assets, infrastructure and economic activities mean that the risks materializing at the city level will have far greater potential to disrupt society than ever before.  Urbanization is by no means bad by itself. It brings important benefits for economic, cultural and societal development. Well managed cities are both efficient and effective, enabling economies of scale and network effects while reducing the impact on the climate of transportation. As such, an urban model can make economic activity more environmentally-friendly. Further, the proximity and diversity of people can spark innovation and create employment as exchanging ideas breeds new ideas.  But these utopian concepts are threatened by some of the factors driving rapid urbanization. For example, one of the main factors is rural-urban migration, driven by the prospect of greater employment opportunities and the hope of a better life in cities. But rapidly increasing population density can create severe problems, especially if planning efforts are not sufficient to cope with the influx of new inhabitants. The result may, in extreme cases, be widespread poverty. Estimates suggest that 40% of the world's urban expansion is taking place in slums, exacerbating socio-economic disparities and creating unsanitary conditions that facilitate the spread of disease.  The Global Risks 2015 Report looks at four areas that face particularly daunting challenges in the face of rapid and unplanned urbanization: infrastructure, health, climate change, and social instability. In each of these areas we find new risks that can best be managed or, in some cases, transferred through the mechanism of insurance. The word “that" in paragraph 4 refers to __________.

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Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions.       To quote CREST founder Dr. Martha Honey, we earnestly believe that ecotourism is “simply a better way to travel.” Here’s a look at how this transformational approach to travel benefits conservation, increases cross-cultural understanding, and ultimately turns travelers into environmental advocates:        To see how ecotourism benefits nature and wildlife, let’s look at endangered species such as African Elephants. Ivory from Elephant tusks is worth $1500 a pound on the black market, which has led to a dramatic increase in poaching. But Elephants are worth 76 times more alive than dead. When you consider the revenue from wildlife photography tours, luxury safari camps, and other ecotourism offerings, a single Elephant is worth $1.3 million over the course of its lifetime! Ecotourism offers a long-term alternative to exploitation, generating sustainable revenue and ensuring better overall health of the ecosystem.        Nature reserves and national parks help prevent deforestation and pollution, while also protecting the habitat of endemic species. The revenue that ecotourism provides can help replace profits from exploitative practices such as mining or slash ‘n’ burn agriculture. It can also help ensure the long-term financial viability of the area. Naturalist guides also help travelers understand the value of a pristine ecosystem, and teach them about the importance of conservation. This ultimately help to create a more mindful and conscious legion of travelers.       When managed properly, ecotourism can offer locals alternative revenue streams. In wildlife-rich countries such as Rwanda, former poachers are often employed as guides or trackers, capitalizing on their knowledge of the animals and their habitat. In Costa Rica, unemployment has fallen to less than 10% since the country started building its ecotourism infrastructure in the 1970s. Involving local communities in tourism management empowers them by ensuring that more revenue is reinvested locally. Ecotourism also offers indigenous peoples an opportunity to remain on ancestral land, conserve it, and preserve traditional culture.       Sure, being a responsible traveler takes a greater level of commitment to being conscious and mindful of the impact we have on the destinations we visit. But ecotourism also offers us incredible, transformative experiences, allowing us to develop closer personal relationships to the nature, wildlife, and local people we encounter during our adventures. Learning about ecotourism can permanently change your understanding of mankind’s role in our planetary ecosystem. And once you’ve had that sort of travel experience, you’ll never want to travel the traditional way again. (Source: https://www.ith.org.za/what-is-eco-tourism/) The most suitable title for the passage could be ______.

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