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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 __________.

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 31 to 35.

 One of the greatest security threats in the online world is computer hacking. Hackers are people who illegally enter systems. They may alter or delete information, steal private information, or spread viruses that can damage or destroy files. But how exactly can a hacker get into a system to do these things?

 Most hackers use information called protocols that are built into computer software. These protocols allow computers to interact with one another. Protocols are sort of like computer police officers. When a computer connects to another system, the protocols check to see if the access is valid. The protocols can also determine how much information can be shared between the two systems. Hackers can manipulate the protocols to get unlimited access to a computer system.

 In fact, just the act of entering a computer network is commonly considered passive hacking. Passive hackers get a rush from just being able to access a challenging system like a bank or military network. Another kind of hacker tries to do damage to a system. After hacking into systems, these hackers release viruses or alter, delete, or take information. Known as active hackers, they are the more dangerous of the two.

 The easiest way to protect a system is with a good password. Long and unusual passwords are harder for hackers to guess. For even greater security, some online services now use “password-plus” systems. In this case, users first put in a password and then put in a second code that changes after the user accesses the site. Users either have special cards or devices that show them new code to use the next time. Even if a hacker steals the password, they won’t have the code. Or if the hacker somehow gets the code, they still don’t know the password.

 What should be the main title of the passage?