Urban development is having a direct impact on the weather in (26) ______ cities worldwide. It has been noticed that the difference in temperature is usually greater at night and the phenomenon occurs in both winter and summer. Experts agree that this is due to urban development, when open green spaces are replaced with asphalt roads and tall brick or concrete buildings. These materials retain heat generated by the Sun and release it through the night. In Atlanta, in the US, this has even led to thunderstorms (27) ______ occur in the morning rather than, as is more common, in the afternoon.
Large cities around the world are adopting strategies to combat this issue, (28) ______ it is not uncommon to find plants growing on top of roofs or down the walls of large buildings. In Singapore, the government has (29) ______ to transform it into a "city within a garden" and, in 2006, they held an international competition calling for entries to develop a master plan to help bring this about. One outcome was the creation of 18 "Supertrees" – metal constructions resembling very tall trees. Each one is a vertical freestanding garden and is (30) ______ to exotic plants and ferns. They also contain solar panels used to light the trees at night and also containers to collect rainwater, making them truly self-sufficient.

Urban development is having a direct impact on the weather in (26) ______ cities worldwide. It has been noticed that the difference in temperature is usually greater at night and the phenomenon occurs in both winter and summer. Experts agree that this is due to urban development, when open green spaces are replaced with asphalt roads and tall brick or concrete buildings. These materials retain heat generated by the Sun and release it through the night. In Atlanta, in the US, this has even led to thunderstorms (27) ______ occur in the morning rather than, as is more common, in the afternoon.
Large cities around the world are adopting strategies to combat this issue, (28) ______ it is not uncommon to find plants growing on top of roofs or down the walls of large buildings. In Singapore, the government has (29) ______ to transform it into a "city within a garden" and, in 2006, they held an international competition calling for entries to develop a master plan to help bring this about. One outcome was the creation of 18 "Supertrees" – metal constructions resembling very tall trees. Each one is a vertical freestanding garden and is (30) ______ to exotic plants and ferns. They also contain solar panels used to light the trees at night and also containers to collect rainwater, making them truly self-sufficient.

Urban development is having a direct impact on the weather in (26) ______ cities worldwide. It has been noticed that the difference in temperature is usually greater at night and the phenomenon occurs in both winter and summer. Experts agree that this is due to urban development, when open green spaces are replaced with asphalt roads and tall brick or concrete buildings. These materials retain heat generated by the Sun and release it through the night. In Atlanta, in the US, this has even led to thunderstorms (27) ______ occur in the morning rather than, as is more common, in the afternoon.
Large cities around the world are adopting strategies to combat this issue, (28) ______ it is not uncommon to find plants growing on top of roofs or down the walls of large buildings. In Singapore, the government has (29) ______ to transform it into a "city within a garden" and, in 2006, they held an international competition calling for entries to develop a master plan to help bring this about. One outcome was the creation of 18 "Supertrees" – metal constructions resembling very tall trees. Each one is a vertical freestanding garden and is (30) ______ to exotic plants and ferns. They also contain solar panels used to light the trees at night and also containers to collect rainwater, making them truly self-sufficient.

Urban development is having a direct impact on the weather in (26) ______ cities worldwide. It has been noticed that the difference in temperature is usually greater at night and the phenomenon occurs in both winter and summer. Experts agree that this is due to urban development, when open green spaces are replaced with asphalt roads and tall brick or concrete buildings. These materials retain heat generated by the Sun and release it through the night. In Atlanta, in the US, this has even led to thunderstorms (27) ______ occur in the morning rather than, as is more common, in the afternoon.
Large cities around the world are adopting strategies to combat this issue, (28) ______ it is not uncommon to find plants growing on top of roofs or down the walls of large buildings. In Singapore, the government has (29) ______ to transform it into a "city within a garden" and, in 2006, they held an international competition calling for entries to develop a master plan to help bring this about. One outcome was the creation of 18 "Supertrees" – metal constructions resembling very tall trees. Each one is a vertical freestanding garden and is (30) ______ to exotic plants and ferns. They also contain solar panels used to light the trees at night and also containers to collect rainwater, making them truly self-sufficient.

Edward Patrick Eagan was born on April 26th 1897 in Denver, Colorado, and his father died in a railroad accident when Eagan was only one year old. He and his four brothers were raised by his mother, who earned a small income from teaching foreign languages.
**Inspired** by Frank Marriwell, the hero of a series of popular novels for boys, Eagan pursued an education for himself and an interest in boxing. He attended the University of Denver for a year before serving in the U.S. army as an artillery lieutenant during World War I. After the war, he entered Yale University and while studying there, won the US national amateur heavyweight boxing title. He graduated from Yale in 1921, attended Harvard Law School, and received a Rhodes scholarship to the University of Oxford where he received his A.M. in 1928.
While studying at Oxford, Eagan became the first American to win the British amateur boxing championship. Eagan won his first gold medal as a light heavyweight boxer at the 1920 Olympic Games in Antwerp, Belgium. Eagan also fought at the 1924 Olympics in Paris as a heavyweight but failed to get a medal. Though he had taken up the sport just three weeks before **the competition**, he managed to win a second gold medal as a member of four-man bobsled team at the 1932 Olympics in Lake Placid, New York. Thus, he became the only athlete to win gold medals at both the Summer and Winter Olympics.
(Adapted from "Peteson's Master TOEFL Reading Skills)

Edward Patrick Eagan was born on April 26th 1897 in Denver, Colorado, and his father died in a railroad accident when Eagan was only one year old. He and his four brothers were raised by his mother, who earned a small income from teaching foreign languages.
**Inspired** by Frank Marriwell, the hero of a series of popular novels for boys, Eagan pursued an education for himself and an interest in boxing. He attended the University of Denver for a year before serving in the U.S. army as an artillery lieutenant during World War I. After the war, he entered Yale University and while studying there, won the US national amateur heavyweight boxing title. He graduated from Yale in 1921, attended Harvard Law School, and received a Rhodes scholarship to the University of Oxford where he received his A.M. in 1928.
While studying at Oxford, Eagan became the first American to win the British amateur boxing championship. Eagan won his first gold medal as a light heavyweight boxer at the 1920 Olympic Games in Antwerp, Belgium. Eagan also fought at the 1924 Olympics in Paris as a heavyweight but failed to get a medal. Though he had taken up the sport just three weeks before **the competition**, he managed to win a second gold medal as a member of four-man bobsled team at the 1932 Olympics in Lake Placid, New York. Thus, he became the only athlete to win gold medals at both the Summer and Winter Olympics.
(Adapted from "Peteson's Master TOEFL Reading Skills)

Edward Patrick Eagan was born on April 26th 1897 in Denver, Colorado, and his father died in a railroad accident when Eagan was only one year old. He and his four brothers were raised by his mother, who earned a small income from teaching foreign languages.
**Inspired** by Frank Marriwell, the hero of a series of popular novels for boys, Eagan pursued an education for himself and an interest in boxing. He attended the University of Denver for a year before serving in the U.S. army as an artillery lieutenant during World War I. After the war, he entered Yale University and while studying there, won the US national amateur heavyweight boxing title. He graduated from Yale in 1921, attended Harvard Law School, and received a Rhodes scholarship to the University of Oxford where he received his A.M. in 1928.
While studying at Oxford, Eagan became the first American to win the British amateur boxing championship. Eagan won his first gold medal as a light heavyweight boxer at the 1920 Olympic Games in Antwerp, Belgium. Eagan also fought at the 1924 Olympics in Paris as a heavyweight but failed to get a medal. Though he had taken up the sport just three weeks before **the competition**, he managed to win a second gold medal as a member of four-man bobsled team at the 1932 Olympics in Lake Placid, New York. Thus, he became the only athlete to win gold medals at both the Summer and Winter Olympics.
(Adapted from "Peteson's Master TOEFL Reading Skills)

Edward Patrick Eagan was born on April 26th 1897 in Denver, Colorado, and his father died in a railroad accident when Eagan was only one year old. He and his four brothers were raised by his mother, who earned a small income from teaching foreign languages.
**Inspired** by Frank Marriwell, the hero of a series of popular novels for boys, Eagan pursued an education for himself and an interest in boxing. He attended the University of Denver for a year before serving in the U.S. army as an artillery lieutenant during World War I. After the war, he entered Yale University and while studying there, won the US national amateur heavyweight boxing title. He graduated from Yale in 1921, attended Harvard Law School, and received a Rhodes scholarship to the University of Oxford where he received his A.M. in 1928.
While studying at Oxford, Eagan became the first American to win the British amateur boxing championship. Eagan won his first gold medal as a light heavyweight boxer at the 1920 Olympic Games in Antwerp, Belgium. Eagan also fought at the 1924 Olympics in Paris as a heavyweight but failed to get a medal. Though he had taken up the sport just three weeks before **the competition**, he managed to win a second gold medal as a member of four-man bobsled team at the 1932 Olympics in Lake Placid, New York. Thus, he became the only athlete to win gold medals at both the Summer and Winter Olympics.
(Adapted from "Peteson's Master TOEFL Reading Skills)

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.

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.