大学英语：Three reasons why we are unwilling to discuss insurance can be suggested.

　　3.Three reasons why we are unwilling to discuss insurance can be suggested.

　　本句的主要成份是：Three reasons can be suggested. Why引导的是一个定语从句，修饰reasons.如：

　　1)The reason why she refused my help is unknown. (没人知道她拒绝我的帮助的原因。)

　　2)The room where Mary used to live has been painted blue. (玛丽曾经住过的那个房间已被漆成了蓝色。)

　　3)The day when John came was cold. (约翰来的那天很冷。)

　　4. In effect， they pay as much for the insurance as they do for the car itself.

　　in effect 意思是“实质上;实际上”，如：

　　1)They have in effect been severely punished. (他们实际上已受到严厉惩罚。)

　　2)In effect， she has no choice. (实际上她没有选择。)

　　3)What in effect I'm saying is that he couldn't keep his promise. (我实质上要说的是，他不可能信守诺言。)

　　请注意pay和spend两个动词的用法：

　　1)He paid 100 yuan for that used bicycle. (他出100元买那辆旧自行车。)

　　2)He spent 100 yuan on that used bike.