Many people value the habit of gratitude nowadays.（ ）

• A、True

• B、False

• C、Not Given 

A small action doesn't work to change one's habit.（ ）

• A、True

• B、False

• C、Not Given 

Planning is 41___ (importance) in almost anything you do. No matter what you are doing, taking the time to plan ahead can help you reach your goal. The purpose of insurance is to help you plan for 42___ (expected), costly emergencies. Probably, the most important kind of insurance is 43___ (medicine) insurance. Medical insurance can be very expensive. The cost for this kind of insurance is going up. Like most people, you may not be 44___ (ability) to afford all of the insurance you might need. Many people think that if you could only 45___ (affordable) one kind of insurance, you should buy health insurance. If you can afford only a small quantity of health insurance, it is best to 46___ (insurance) yourself against the big unexpected costs and pay the smaller common 47___ (bill) yourself. There are different kinds of insurance you can get. Hospital Expense insurance will pay for any costs you get while having to be in a hospital. Surgical Expense insurance will pay for the doctor to 48___ (operation) on you. 49___(regularity) Medical insurance will pay for any non-surgical  50___(treat).