actuarial job future

Sally Chan, FSA, MAAA, Actuarial Advisor, Ernst & Young LLP, New York, NY

Professional Background: Consulting actuary specializing in financial reporting and variable annuity hedging.

Society of Actuaries Activities: I have been involved with the Actuary of the Future Section for the past 1? years. Involvement included contributing to the section newsletter, performing SOA membership studies, and assisting in the Environmental Scanning initiative (an effort targeted at identifying the future of the actuarial profession).

Why are you interested in leading your section? To expand upon my prior experiences with the Actuaries of the Future Section, I want to continue my participation in section activities aimed at identifying and promoting future actuarial opportunities. In the upcoming year, I hope to further existing section efforts by increasing the availability of learning opportunities for future actuaries and facilitating knowledge-sharing between younger and more experienced actuaries. Additionally, my goal is to bring a fresh perspective to the section council as a newer-generation consulting actuary.

EDUCATION AND RESEARCH SECTION COUNCIL

Yvonne C. Chueh, ASA, Ph.D., Associate Professor and Director of Actuarial Science, Central Washington University, Ellensburg, WA

Professional Background: Teaching, research, and administration for CWU Actuarial Science undergraduate program. Networking and recruiting in the Northwest Pacific region. Teaching, research, and advising experience at University of Wisconsin-Eau Claire and University of Connecticut. Independent contractor with Milliman in Seattle and intern with ING Aetna Insurance Company in Hartford.

Society of Actuaries Activities: Invited speaker to SOA spring and annual meetings, SOA and CIA sponsored research symposium. SOA/CAS Exam P and Exam FM Items Contributor. SOA/CAS Exam Proctor. SOA North American Actuarial Journal paper and AAA workshop articles writer. Northwest regional college actuarial representative. Panelist of discussions on stochastic modeling efficiency at the 2007 Spring Meeting.

Relevant Experience: Member of American Academy of Actuaries; Contingencies magazine articles contributor; expert witness; actuarial consultant and career placement; undergraduate research mentor. Networking with industry and university actuarial science programs.

Why are you interested in leading your section? Through my experience with academic programs in actuarial science across the country, I would like to assist the council in their initiatives. A strong and steady pipeline providing qualified actuaries is essential to the bright future of the profession. I have been successful transitioning to a program leader role in my institute and feel I have much to offer the section in a leadership role.

X. Sheldon Lin, ASA, Ph.D., Professor of Actuarial Science, University of Toronto, Toronto, ON Professional Background: Have been an actuarial educator and researcher since 1993. Written over 30 research papers and articles in actuarial science and finance.

Society of Actuaries Activities: Co-editor of the North American Actuarial Journal (NAAJ); Member of the Preliminary Education Standing Committee, 2005-2009; Member of the Halmstad Prize Committee; Member of the Scientific Committee of the Stochastic Modeling Symposium, 2003, 2006, 2008. Relevant Experience: Associate editor of Insurance: Mathematics and Economics; visiting Professor to ISFA of the University of Lyon, University of Michigan, University of Jordan, American University in Cairo, HK Polytechnic University.

Why are you interested in leading your section? I have been an actuarial educator for more than 15 years. Being a council member would give me the opportunity to share my experience and make my contribution in advancing actuarial education.

Min Deng, ASA, Ph.D., Professor and Director of Program of Actuarial Science and Mathematics, Maryville University at St. Louis, St. Louis, MO

Professional Background: In 1990, Dr. Deng received her Ph.D. degree in Statistics from the Pennsylvania State University. She passed all 11 courses of the Society of Actuaries, and became an Associate of the Society of Actuaries in 1992. From 1990 to 1991, she was the Post Doctor Fellow at the Department of Chemical Engineering, University of Toronto. From 1991-1993, she was an assistant professor at the Department of Statistics of the University of Toronto. She taught both statistics and actuarial science. From 1993-2001, Dr. Deng taught both statistics and actuarial science at the University of Wisconsin-Stevens Point. She joined the department of mathematics and actuarial science as director in 2001. Her research interests include differential geometry in statistical inference, especially in second order asymptotical problems, series problems, which we can use differential geometric methods to solve like Engineered Stochastic Structure, and also in actuarial science, especially in the areas of risk theory, maximum loss and claim amounts.

Society of Actuaries Activities: Supervisor of the St. Louis examination center for eight years. Relevant Experience: American Academy of Actuaries Life Insurance Rate Filing Task Force member and Peer Review Subgroup chair, 2002-present; Village of Schaumburg Zoning Commission 1998-2001 (practiced at reaching group consensus).

Why are you interested in leading your section? Through my experience as the professor of actuarial science, I would like to assist the council in their initiatives. I would like to work with other members to reach the goal of the council. I believe my educational background and teaching experience will help in the role of a member of the council.

INTERNATIONAL SECTION COUNCIL

Ing Chian Ching, FSA, MAAA, Consulting Actuary, Ernst & Young, New York, NY

Professional Background: Currently a consultant with the Life/Health actuarial advisory practice of Ernst & Young and have experience in derivatives valuations and credit valuation adjustments. Prior work experience includes pension actuarial valuation, pension asset-liability management and stock options valuations.

Society of Actuaries Activities: Fall 2009 AFE Exam Committee; Webcast Planning Committee for Younger Actuarial Network; attended the SOA Annual Meeting 2007 and SOA Investment Symposium in 2008

Why are you interested in leading your section? I would like to be involved in the SOA initiative to foster stronger relationships with other international actuarial organizations and helps to co-ordinate joint efforts in providing educational opportunities for actuaries to learn about the latest trends in actuarial practice at different parts of the globe. I would also like to help the SOA to disseminate their wealth of resources to the emerging actuarial community in developing countries, particularly in the South-East Asian region.

Genghui Wu, FSA, FCIA, MAAA, FRM, Vice President and Actuary, Prudential Financial, Newark, NJ Professional Background: I worked in roles of business development actuary specializing in international markets in past years, and recently as corporate actuary, overseeing our international business across the organization.

Society of Actuaries Activities: Assistant editor for International Section newsletter; Member of FM and FAP exam committees; Active member for Education and Research, Financial Reporting, Investment, and Product Development Sections.

Relevant Experience: For many years, I have worked with large global insurance organizations and, fortunately, gained enough front-riding experience by business involvement in various markets outside of the U.S., with relationship and understanding in different geographic regions, including Asia, Europe,

Latin America, and the Mid-East. I am a member of Global Association of Risk Professionals, a member of the Chinese Actuary Club, and moderator for the China Financial Reporting seminar in 2005 in Beijing. Why are you interested in leading your section? In a period of global economy integration, we have definitely seen an uplifting degree of correlation among global markets relative to the past. This brings to the International Section opportunities with the broader capability of stronger influence, but at the same time, responsibilities with the greater demand of effective communication. I think the mandate of the International Section needs to be geared more towards emerging markets where the needs for guidance and assistance are increasing. My diverse international experience and commitment of addressing local counties’ needs as well as developing practical solutions will make valuable contributions to enhance and achieve the mandate of the Section and Society of Actuaries.

INVESTMENT SECTION COUNCIL

Frank Zhang, FSA, MAAA, CFA, FRM, MSCF, PRM, Executive Director, Insurance & Actuarial Advisory Services, Ernst & Young, New York, NY

Professional Background: Capital market experience at equity derivatives desk on Wall Street; Solid hands-on VA/EIA hedging and risk management experience at major VA writer; Graduate degree in financial engineering from Carnegie Mellon University in 2001, after becoming an FSA in 1998 (Investment Track); Senior leader positions at both insurance companies and investment bank in recent years; Years of actuarial experience in ALM, product pricing and annuity valuation from several major life insurers.

Society of Actuaries Activities: Long time member of Investment and Risk Management Sections; Speaking at some recent SOA events and non-SOA events that promote actuarial science; 2009 Life Spring Meeting on industry VA guarantees pricing; 2008 Equity-based Insurance Guarantees Conference on capital market solutions for VA guarantees; 2008 SOA Annual Meeting on actuarial career and structured derivatives products; 2008 Investment Symposium on challenges implementing and managing a VA hedging program; 2006 Equity-based Insurance Guarantees Conference on risk neutral modeling of dynamic policyholder behavior; 2006 “Risk Congress USA” by Risk Magazine on emerging convergence of actuarial science and financial engineering

Relevant Experience: Strategist, Structurer, and Marketer of global equity derivatives solutions for insurance companies’ hedging and risk management at SocGen’s equity derivatives desk since 4/08. Leveraging insurance industry and Wall Street expertise to help insurance companies in their searches for optimized solutions. Vice President and Head of Derivatives Strategies, Head of Quantitative Modeling, or Head of VA/EIA Hedging at ING US Financial Services for about six years before joined SocGen. Led teams of quantitative analysts, actuaries, and computer developers in significant growth of ING’s hedging program of both VA and EIA in those years. Leveraged financial engineering technical knowledge, hands-on skills, and comprehensive product/financial knowledge to help company mitigate the risks and find optimized trade-offs. Provided strong thought leadership in this fast developing area of convergence of actuarial science and financial engineering.

Why are you interested in leading your section? Risks can lead to opportunities. It is more important than ever to optimize the risk-reward trade offs in all insurance activities in asset liability management, portfolio management, hedging of VA and EIA, product pricing of derivatives guarantees, quantitative modeling, enterprise risk management, and capital management. It has been years that I benefited and learned from the work produced by the Section as I develop professionally. I am now running for the Section Council to give back. It is now time for me to contribute to the profession as actuarial science and financial engineering are converging rapidly. I will bring my experience and unique perspective to serve the Section membership with other Section leaders in knowledge sharing and development of our expanding practices.

Ing Chian Ching, FSA, MAAA, Consulting Actuary, Ernst & Young, New York, NY

experience includes pension actuarial valuation, pension asset-liability management and stock options valuations.

Society of Actuaries Activities: Fall 2009 AFE Exam Committee, Webcast Planning Committee for Younger Actuarial Network, attended the SOA Annual Meeting 2007 and SOA Investment Symposium in 2008

Relevant Experience: Practical experience in derivatives instruments and investment issues surrounding pension plans

Why are you interested in leading your section? I would like to be involved in the SOA initiative to foster stronger relationships with other investment-related associations such as CFA Institute through joint-educational and networking events. I am also interested to help the actuarial profession to establish a stronger presence within the investment community.

JOINT RISK MANAGEMENT SECTION COUNCIL

Xiaokai (Victor) Shi, FSA, MAAA, Senior Associate, PricewaterhouseCoopers LLP, New York, NY Professional Background: PricewaterhouseCoopers LLP: Consulting actuary that provides consulting and auditing services risk and capital, modeling and financial reporting to major global direct and reinsurance companies. Experiences also include mergers & acquisition due diligence, XXX securitization, economic capital modeling and Enterprise Risk Management consulting. I also organize and contribute to PwC's thought leadership initiatives on risk and capital areas. I have published a number of articles in PwC's Insurance Digest or as PwC white papers. McKinsey & Company: Insurance research experiences focusing on risk management strategies, financial innovations and other corporate strategic consulting of insurance clients. Also worked with private equity clients on some due diligence on life settlement and reverse mortgage business.

Society of Actuaries Activities: Presenter in SOA spring meeting on "Economic Capital;" Project organizer and working group member of "Best Practice Task Force" being sponsored by the JRM; Editor, international (Chinese) version of Risk Management newsletter, JRM; Frequent contributor to various publishers, including SOA publications. List of recent contributions to SOA includes: "What Is a Robust Level of Risk Capital?" (2008), essay published by SOA to explore the causes of the 2008 financial crisis; "Economic Measurement of Insurance Liabilities: The Risk & Capital Perspective" (2009) (March issue of the Society of Actuaries Practice Forum, and 2009 ERM Symposium presentation paper); "Analysis of Methods for Determining Margins for Uncertainty under a Principle-Based Framework for Life Insurance and Annuity Products" (2009); Society of Actuaries research paper; "Fair Value Accounting: Trouble-Maker or Life-Saver?" (2009) (The Financial Reporter, publication of Society of Actuaries); "Variable Annuity: Risk Management through Breakthrough Product Development Innovation" (2009), article submitted to Risk Management newsletter.

Relevant Experience: Project manager, “Comprehensive Actuarial Risk Evaluation.” This project would develop an International Association of Actuaries (IAA) white paper that describes a comprehensive evaluation of risks. The project team is composed of volunteered actuaries from different countries. Insurance research experiences in McKinsey & Company, focusing on risk management strategies, financial innovations and other corporate strategic consulting of the insurance industry.

Why are you interested in leading your section? I am keen to assist the council in their initiatives. Leading this profession to achieve its strategic goals and creating industry-wide impacts are the top priorities of my personal development plans. I am willing to invest my time and passions in the council's efforts of promoting our profession to create more impacts and add more values to the entire financial service industry.

Frank Zhang, FSA, MAAA, CFA, FRM, MSCF, PRM, Executive Director, Insurance & Actuarial Advisory Services, Ernst & Young, New York, NY

Track); Senior leader positions at both insurance companies and investment bank in recent years; Years of actuarial experience in ALM, product pricing and annuity valuation from several major life insurers. Society of Actuaries Activities: Long-time member of the Investment and Risk Management Sections; Speaker at some recent SOA events and non-SOA events that promote actuarial science; 2009 Life Spring Meeting on industry VA guarantees pricing; 2008 Equity-based Insurance Guarantees Conference on capital market solutions for VA guarantees; 2008 SOA Annual Meeting on actuarial career & structured derivatives products; 2008 Investment Symposium on challenges implementing and managing a VA hedging program; 2006 Equity-based Insurance Guarantees Conference on risk neutral modeling of dynamic policyholder behavior; 2006 “Risk Congress USA” by Risk Magazine on emerging convergence of actuarial science and financial engineering.

Relevant Experience: Strategist, Structurer, and Marketer of global equity derivatives solutions for insurance companies’ hedging and risk management at SocGen’s equity derivatives desk since 4/08. Leveraging insurance industry and Wall Street expertise to help insurance companies in their search for optimized solutions. Vice President and Head of Derivatives Strategies, Head of Quantitative Modeling, or Head of VA/EIA Hedging at ING U.S. Financial Services for about six years before joining SocGen. Led teams of quantitative analysts, actuaries, and computer developers in the significant growth of ING’s hedging program of both VA and EIA in those years. Leveraged financial engineering technical knowledge, hands-on skills, and comprehensive product/financial knowledge to help company mitigate the risks and find optimized trade-offs. Provided strong thought leadership in this fast developing area of convergence of actuarial science and financial engineering.

Why are you interested in leading your section? Risks can lead to opportunities. It is more important than ever to optimize the risk-reward trade offs in all insurance activities in asset liability management, portfolio management, hedging of VA and EIA, product pricing of derivatives guarantees, quantitative modeling, enterprise risk management, and capital management. For years I have benefited and learned from the work produced by the Section as I developed professionally. I am now running for the Section Council to give back. It is now time for me to contribute to the profession as actuarial science and financial engineering are converging rapidly. I will bring my experience and unique perspective to serve the section membership with other section leaders in knowledge-sharing and development of our expanding practices.

感动泪水作文500字10篇

感动泪水作文500字10篇感动泪水作文500字10篇在学习、工作、生活中，大家都写过作文吧，作文是一种言语活动，具有高度的综合性和创造性。怎么写作文才能避免踩雷呢？下面是小编整理的感动泪水作文500字10篇，希望对大家有所帮助。感动泪水作文500字篇1 断了线的珠子，不再有复原的机会；遗失的记忆，不再愈合。而有一种液体---眼泪，流了可以延续，可我们不想，因为这只会让我们变得伤感，变得低沉。曾几时，我有一段离奇的童年，在一次绿草坪中我想放飞风筝，手中的线却没有理由可以断。听---风来催了，我不想放开线，风为了完成使命，使我飘浮于空中，手中的线已断，风筝已迷失方向，泪水哭红了双眼，我的心却欢快地翱翔。曾几时，我有一段痛苦的童年，妈妈催我上晚自修，我已厌倦这个家，便逃了出来。我自由了，没有笼中鸟的]写照了，可今后的我从何去处？如果我投降，妈妈会不会骂我？

奶奶会不会担心我？这一个个问号在我心中定了根。妈妈追来了，我跑，再跑，眼前出现了“救星”“----一个草坪。我纵身一跃，转进草丛中，让妈妈扑了个空，我在这里创造了属于自己的另一个天空。如今我又再重返那个草坪，往日的它变了，如今的它是个人见人厌的垃圾场，我哭了，为什么会这样？短暂的三年时间，一眨眼就过去，在这仅仅几年，却有如此大变！我哭了。泪水总止不住我心中的创伤，又有谁能够抚慰我这发炎的伤口呢？痛苦的情绪总把我带到那些美好的情景：奶奶抱我在那儿看星空；妈妈和我在玩捉迷藏。一切的一切，难道要它终止吗？我又哭了，泪水含着情，窗外下着雨，我的伤口又再次发炎了！保护环境，人人有责！老天啊！留给孩子一片自由的天空吧！窗外的雨越下越大，我的饿泪水也越流越多！流着泪的回忆，令人难以启齿。感动泪水作文500字篇2 每个人都是独特的，但是，人的情感总是如此的相似。恐怖片，总是让我们害怕；喜剧片，总是让我们开心；亲情片，总是让我们感动......而我今天想和大家聊聊感动。感动，很奇妙的一种情感，总是使人不知不觉落泪。有人说，感动，离我们很远。其实，生活中感恩无处不在，我们经常感动，只是习以为常罢了。

雅思听力真题

听力题(共4题，共4.0分) Questions 21—24 Q5.mp3 Choose the correct letter, A, B, or C. Self-Access Centre 1 Students want to keep the Self-Access Centre because ?[A] they enjoy the variety of equipment. ?[B] they like being able to work on their own. ?[C] It is an important part of their studies. 选择答案： A B C 2 Some teachers would prefer to ?[A] close the Self-Access Centre. ?[B] move the Self-Access Centre elsewhere. ?[C] restrict access to the Self-Access Centre. 选择答案： A B C 3

The students’ main concern about using the library would be ?[A] the size of the library. ?[B] difficulty in getting help. ?[C] the lack of materials. 选择答案： A B C 4 The Director of Studies is concerned about ?[A] the cost of upgrading the centre. ?[B] the lack of space in the centre. ?[C] the difficulty in supervising the centre. 选择答案： A B C 听力题(共4题，共4.0分) Questions 21—24 Choose the correct letter, A, B, or C. Self-Access Centre

我最喜欢的一堂语文课作文500字_优秀作文

我最喜欢的一堂语文课作文500字我最喜欢的一堂语文课韩振德我喜欢积极思考发言的语文课；多动脑动手的数学课；还有多方面练习的英语课，但还是那节语文课最为生动有趣。（抒情开头，引出下文。）我们的语文老师——人送外号‘金胖胖’，一听胖子，肯定是肚子大了，但“金胖胖”肚子里面可装的都是智慧啊！金老师总是习惯梳着老式的背头，像港台片里的老大，不过生活中人很随和，一双炯炯有神的眼睛，鼻梁上挂着（用词不准，建议改为：架着）一副帅气的眼镜，说起话来总是妙语连珠、幽默诙谐，又不失一番深刻哲理。（肖像描写，刻画人物细致入微，值得借鉴！望你今后加强各种描写技巧的训练，牢记章法，入木三分，作文会越来越棒，我们一起努力，不过今后上课要积极发言哟！）上课时，同学们都会安安静静的坐着等老师讲课，老师上课会拿他那硕大的肚子逗我们开心。“你们不是总说地理很难学吗？大家来看我的肚子，腰带以上是北半球，腰带以下是南半球，额头是北极圈，上面茂密的头发便是一望无际的西伯利亚原始大森林，至于这超乎常人的长长腰带，足有四万千米，当然就是赤道了……”（语言描写，人物身份化，个性化，值得借鉴！）每每这时，大家就会哈哈大笑，这样老师既活跃了课堂气氛又教会了大家知识，可谓一举两得！“所以学知识要融会贯通，学作文更是要有丰富的想象力，不然四大名著里

的孙猴子怎能流传千古？”“金胖胖”课堂上的妙语讲解，道理深邃的名言警句，指物作文脱口而出，总能给你耳目一新的感觉。（本文，如果再熟练运用其他描写技巧，内容会更丰富，望你认真揣摩，不过考试不要写我哟！）（这一段升华主题的文字欠佳，过于随意，缺乏思想性，所以删去，请你思考后补上！）这节语文课是我最喜欢，印象最深刻的一堂课！（卒章显志结尾，紧扣主题。冒昧配上一张相片，有利于肖像描写观察，如果今后作文不满意，此片权当做“飞镖靶盘”之用也很不错！）

以泪水为话题作文500字

泪水昨天考的英语试卷，今天上午第一节课发了下来，我一看，86分，我想，我一定要被妈妈揍了。从早到晚别的什么也没有去想，我只是都在想这个字。果然，晚餐桌上，妈妈发脾气了，我被她揪了一下耳朵，揪得我耳朵通红，又热又疼。此时，她又对我说这说那，还问我有没有把心放在学习上，单词背没背熟，中午有没有和张靖雪（她是我姨姐，因为家离校较远，所以，妈妈让她中午就在我们家吃，我们又是同一班）互相提背单词……我只好一一听取，无词反抗。但她居然还说我以后考试必须占班级前三名，我心里虽有不满，但是不敢反抗，除非我想多被妈妈打几下。还问我有没有反省，我想：“我是好好在反省啦！我不是一个下午不开心，一直在反省这件事吗？！”我在找原因，我觉得每天做的都很好，只是每天二胡拉过了头，晚上拉一小时，和同学相比就多占用一小时，睡觉前还要看书，真困啊，早上睡不醒，上课想睡觉，听不下去，导致成绩不好。这样就形成恶性循环，归根到底不还是怪拉二胡吗？！我含着泪，鼓足勇气和妈妈说了，想不到妈妈很理解我，她说：“儿子，妈妈错怪你了，妈妈和你一起订一张科学的作

息时间表，好吗？”说干就干，不一会儿，我们的作息时间表就完成了…… 作文二：泪水每一滴泪水都有它落下的原因：是因为喜悦，是因为感动，是因为悲伤，是因为懊悔……每一滴泪水背后都有一个故事。我呢，就曾流过一次激动的泪水。刚升入四年级时有些不大习惯，但校园生活还是紧锣密鼓地铺开了。不知为什么，总感觉这个学期特别紧张，每个人的神经通通绷的紧紧的，一丝一毫的松懈也没有，紧张很快便取代了一开始的懒散。一个紧张的学期很快过去了，期末考试即将要到来了，无论是上课也好，下课也好，走廊里只有稀少的人影，更多的是再教室里书桌上的“题海”间奋笔疾书的莘莘学子，当然，我也是其中的一员，谁不想考好些呢？每个人都集中精神准备应试，一摞摞的演算纸堆积在垃圾桶旁，练习本的数量急剧上升……

雅思听力原文及答案

Keys： Each question correctly answered scores 1 mark. CORRECT SPELLING IS NEEDED IN ALL ANSWERS. 注： Questions 35, 38 and 40 (IN EITHER ORDER, BOTH REQUIRED FOR ONE MARK) If you score… Audio Scripts

SECTION 1 LYNDA: Sara, I’ve heard that you want to move into a homestay family. Is that correct? SARA: Yes, that’s right. I’ve been staying with my aunt and now my cousin is arriving from Singapore and my aunt needs the room for him. LYNDA: Oh, that’s bad luck. Well, I’II need to get some particulars first. Sara, what’s your full name? SARA: Sara Lim, and that’s Sara without the ‘h’ at the end. LYNDA: Mmm. How old are you, Sara? SARA: Twenty-three, only just. It was my birthday on the twenty-first of August. LYNDA: Happy birthday for yesterday. How long have you been in Australia? SARA: (Q1) A year in Adelaide and six months in Sydney. I prefer Sydney. I’ve got more friends here. LYNDA: What’s your address at your aunt’s house? SARA: Flat one, five three nine (Q2) Forest Road, Canterbury. And the post code is two, o, three, six. LYNDA: OK. What are you studying now? SARA: I was studying General English in Adelaide and now I’m doing (Q3) Academic English, because I’m trying to get into Medicine next year. LYNDA: That sounds good, but it’ll take you a long time. When would you like to move out from your aunt’s? SARA: My cousin arrives on Friday morning, so I’d better be out on (Q4) Thursday. LYNDA: What, the seventh of September? SARA: Yes, that’s right. LYNDA: That doesn’t leave us much time. Right, OK. I need to know what kind of accommodation you’d like, so I can get you something suitable SARA: Can I (Q5) share a room with someone else? I’ve been alone in my room at my aunt’s and I’ve always shared with my sister and I like that. LYNDA: Yes, fine. That’ll save you money too. Would you like to live with a family or do you think that a (Q6) single person would be better for you? I have lots of very nice single people on my books. SARA: Do you have any women living alone, retired women? LYNDA: Yes, I have quite a few whose children have grown up and left home. In fact, I have some really lovely retired ladies, living by themselves, who just love the company of students. Most of them live in (Q7) flats, but that’s not a problem for you, is it? SARA: Not at all. I’m used to that. My aunt lives in a flat too, remember. I’m not use to a big house with a garden, swimming pool, pets and all that. LYNDA: OK, fine. I know quite a bit about what you want now. I should let you know that your rent will be a hundred and sixty dollars per week. You’ll have to pay me three hundred and twenty dollars as a (Q8) deposit before you move in. The deposit is as insurance, in case you break something. You’ll need to pay (Q9) monthly to me, by cash or cheque, I don’t mind. You don’t need to pay for gas, electricity or water, but you will need to pay your proportion of the (Q10) phone bill. Most families do that on an honour system, but you’ll have to wait and see

五年级优秀日记400字【六篇】

五年级优秀日记400字【六篇】【篇一】五年级优秀日记400字上星期三，我参加了首届绍兴市越城区少先队争章技能风采大赛。就在上星期一，我接到了通知，我已经被丁教师挑选到，要去参加第一届少先队争章技能风采大赛了，比赛一共有三个项目方案，分别是电脑制作、巧手制作和个人才艺。于是，我在家里拼命地练习书法和电脑制作，争取在大赛中获得好成绩。经过了漫长的两天，比赛如期而至。前来参赛的人其实不多，只有四十一个。电脑制作的内容是制作一份“与自护相伴”的电子小报，我把胡教师教我的所有技巧都用上了，并想规定让我做的小报更加完美。巧手制作的内容是设计一份关于和平的小队旗，我绞尽脑汁地用创新来填补我画的小队旗的缺点，并尽量让作品完美。下午到了，展示个人才艺的时间也到了。四十一个选手都拿出了各自的看家本领：有写书法的，有吹笛子的，还有拉二胡的……更让我叫绝的是，有一位选手，竟然跳起了孔雀舞!我信心满满地给评委展示了自己的才艺——写毛笔书法和打快板。在打快板的时候，我有一点紧张，因为这种比赛我是第一次参加，但我在心里不断鼓励自己，最终克制了我的紧张，向评委们展示了我的一面。我的书法潇洒飘逸，所以得到了评委们的一致好评。在傍晚的颁奖仪式上，主席把获奖的人的名字都公布了出来，我听到自己得了铜奖，兴奋地走上领奖台，接过评委给我的证书和玻璃做的奖杯。

我回到家时，已经六点了。虽然那一天的比赛把我累得够呛，但是，那天是我得到第一个奖杯的“纪念日”。第一届少先队争章技能风采大赛令我非常难忘。【篇二】五年级优秀日记400字夜，静静的，月光照在大地上，仿佛是一层轻纱，又仿佛是一层浓霜。这倒使我想起李白的“床前明月光，疑是地上霜”诗句。月光是那么纯，那么真。天上的星星，像是一个个淘气的小孩子，趁月亮妈妈不注意，悄悄地在天空中穿了几个小洞洞。把那只一闪一闪的小眼睛望着大地，像在寻找什么。而月亮妈妈却在那里，跟缕缕轻云跳起了优美的舞蹈。它放射的光辉，是那么的柔和。万物在月光的照射下，一切都变成了雪白色，像是盖上了一层霜。我走进了一个童话的世界，一个美丽的世界。它是那么神奇。河面上，倒映着那明亮的月亮。我捡起一块石头，扔向河面。河中荡漾起那层层的微波。把河面的月亮晃得高低起伏。像镰刀，又似残缺的脸盆。地面上，灯火灿烂。家家户户点着灯火，真像天上的星星。马路上，一辆辆“俊马”在飞奔，那两只大眼睛睁得大大的为汽车照路，照得马路像白天一样。竹林里，竹子被月光照得银白银白，一阵风吹来，响起美好的音乐。

剑桥雅思 Text 听力原文

T e s t 1 Section 1 A:Hi，George! Glad you're back. Loads of people have phoned you. B: Really A: I felt just like your secretary! B: Sorry! I went into the library this afternoon to have a look at a newspaper and I came across something really interesting A: What A book B:No，a brochure(EXAMPLE) from a summer festival - mainly Spanish music. Look，I've got it here. A: Spanish music I really love the guitar. Let's have a look. So what's this group ‘Guitarrini' B: They're really good. They had a video Q1with all the highlights of the festival at a stand in the lobby to the library，so I heard them. They play fantastic instruments - drums and flutes and old kinds of guitars. I've never heard anything like it before. A: Sounds great. B: Okay. Shall we go then Spoil ourselves Yes，let's.

小学生五年级写事作文随笔400字范文精选

小学生五年级写事作文随笔400字范文精选写事作文随笔400字1 一条小路蜿蜒的伸出村口，它越过淙淙的小溪，绕过芳香的田野，穿过青青的竹林，伸展着，伸展着…… 小路很窄。乡亲们挑着东西在路上相遇时，都是贴着身子而过。路虽小，但它是村子与外面大千世界联系的纽带。沿着它，许多消息走进了古老的村庄…… 儿时，小伙伴们常常坐在村口的大石板上，争论着这条小路到底通到什么地方，伙伴们很难得出一致的结论，为这，我们之间经常伤了和气。每当伙伴们要我发表见解时，我总是说：等我走尽这条路后，再告诉你们吧。终于，好奇心驱使我沿着小路悄悄地走着，我竟来到了镇上!路在这里变得宽敞了。宽敞的路又伸向远方…… 我站在路旁，费神地想着：路，到底通到什么地方呢? 上学后，老师在课堂上告诉我们：世界上的路都是相连的!幼稚的我问道：那么，从我们村口出发，就能到达所有的地方了?!老师微笑着摸摸我的头。我大声宣布：我要走遍世界上所有的路!同学们都为我热烈地鼓起掌…… 去年，沿着村外的小路，顺着镇上的大路，我来到县城求学。县城的路，变成了更为宽阔的柏油马路。 ……现在，我愿告诉伙伴们：生活之路，何其宽广;人生之路，何其漫长。伙伴们，奋力地走吧! 写事作文随笔400字2 这天中午，我自个儿刚从体育中心锻炼完回来，因我家楼下有一个方便摩托车上下的斜坡，所以走上去比较费力。正当我爬完斜坡后，只见一位身材瘦削的年轻男子费力地推着一位坐在轮椅上的残

疾老人上斜坡，豆大的汗珠一个劲地往下掉，汗水浸湿了背衫，脸上的表情似乎很辛苦，双腿卖力地迈了一步、两步，大约走了两三步后，男子可能因体力不支，一溜烟滑了下来，可男子并不放弃，一次、两次......都失败了! 就在这时，一位大叔走了过来，说：“小伙子，怎么，没劲啦?让我来!”说完，便两手紧握手把，右脚奋力往上蹬，可是，这毕竟也不是一件容易事，所以很快也没力了，忽然，一只小手扶了扶轮椅，原来，是一位年约八岁的小男孩，开心地说：“叔叔，叔叔，这个让我推吧!”顿时，我的脸上感到火辣辣的，也急忙过来帮忙，这时，几位路过此处的热心妇女，也连忙赶过来，把轮椅推上去，我们的脸上都露出了欢乐的微笑，而残疾老人的眼里也闪烁着感激的泪光，就这样，轮椅渐渐向终点靠近...... 一道不远的斜坡，却充满了人们那纯洁的美;一件小小的事情，却体现了人们那无暇的爱!那到普通不过的斜坡，却又是人们内心关爱的港湾! 写事作文随笔400字3 许多小朋友都能体会到爸爸在身边的关怀，而我体会到的父爱绝大多数都是从电话里得来的。我的爸爸是一个优秀的人，他长期在外工作。妈妈曾告诉我说：“我刚出生时，爸爸在遥远的日本。可爸爸好象感觉我的出生，他心神不定，打电话给妈妈，爸爸听到了我的哭声，他通过电话给我说了几声，我就不哭了，似乎听懂了他说的话。”这就是我第一次体会父爱。爸爸爱我，爱得世上绝无仅有。在他的眼中女儿是最乖、最重要的。从我会说话开始，到现在我九岁了，他在外的每天都会打一个电话给我，和我交流。有的人认为打电话有什么了不起，可我觉得爸爸工作这么忙，还坚持每天给我打电话，这是他给我最大的爱。爸爸在电话里关心我的学习、生活，还给我讲做人的道理。今年竞选班长，我失败了，爸爸打电话回来听到我的声音很低沉，爸爸问我怎么了，我把事情告诉了爸爸，爸爸在电话的那头笑着安慰说：

雅思剑桥6听力text1 word版1

TEST 4 SECTION 1 K:Conference Centre Reservations. Good morning. N:Hi. I'm interested in the computing conference next month. K:Future Directions(Example) in Computing? N:Yes, that's right. Could I ask you a few questions about it? K:Of course. N:OK. I know the conference is for three days but actually I want to attend on the Friday and Saturday only. Will that work out to be any cheaper? K:Let me have a look. Well, you could register for the two days separately, but that wouldn't actually save you very much as it still costs ￡35 for each day. In fact, if you could register for the three days, you also get an invitation to a free dinner on the Saturday night, so that's probably the better option. N:Right, I'll do that. How much will the fees be in that ease? K:It's ￡75(Q1). N:All right. I'd like to register for the full three days. Now, can I pay that by credit card? K:I'm afraid not. You'll have to send a cheque(Q2) to us, or you can pay at the conference office. N:Fine. So it's probably easiest if I pay by cheque. Now then, what else do I need to arrange? Right. How about accommodation? I guess that's not included in the price? K:No, I'm sorry, it's not, but we do have a few rooms available for delegates at the conference centre if you'd like. Those are very cheap but if you're interested you'll need to book soon, because there's always a heavy demand for them. They are only ￡15(Q3) per night, but they are very basic and you'd have to get your own breakfast, because they don't provide you with

小学生五年级日记400字大全

小学生五年级日记400字大全【篇一】我衣服上纽扣掉了，这次我决定不让妈妈帮忙，自己学着钉纽扣。这一枚小小纽扣还不好钉，缝上去不就得了，我心里想。于是，我找来了钉和线，正准备钉，却发现纽扣上一个口也没有，这可叫我犯了难，这叫我怎么钉呀！仔细观察，倒是发现了4个孔，我灵机一动，把线从2个孔中穿过去，缝在了衣服上面，可下面2个孔就空起来了，“这是什么名堂，我念叨着，想了一会，我想到了办法，找来了4根线，分别穿到4个孔里，在后面打了个结，这回总算可以扣上了。我和别的纽扣比较了下，别的纽扣都没有大包，就这一个大包多不美观，一定不是这样钉的。看看别的纽扣怎么钉的不就行了。只见别的纽扣4个孔上面都连着线，到底是怎么缝的呢？我左思右想，试着用一个针穿4个孔。从第一个孔下面到第二个孔再到第三个孔、第四个孔……，怎么又回来了，我气冲冲地说：“怎么比奥数题还难，这时，我看见了语文书上的“X”号，顿时灵感大发，我在纽扣上斜着穿，明后正面形成了一个“X”号，这次可是用一根线缝的噢。我终于把纽扣钉在了衣服上，并且钉的很漂亮。钉纽扣就像做一道奥数题，要用心思考。【篇二】整理房间对我是一件很难的事情，因为我从没在家里那么费力的真理房间。然而暑假作业中，老师布置的作业却是整理房间，还要写一篇体会日记，这对我实在是太难了，不过，不管怎么样，我都要尽力去试一试，尽全力去试一试! 接着，我会向父母整理房间时的情景。然后，我先把桌子上的东西分别归类，不要的扔掉，其他的东西按照一定顺序分门归并，摆放整齐。然后，我用抹布把桌子擦干净。接着我用同样的方法整理衣服。接着整理床铺。这些对我而言是轻而易举的。很快我就全部做好了。做完了所有简单的活儿，我开始做一件费力的活，那就是拖地板。我先到水龙头下接了大半桶水，再把拖把浸湿拧干。然后，我在房间里使劲地拖。拖了一次又一次，直到地板变得干净明亮，我才住手不拖! 妈妈买好东西回来，看到这样干净整洁的房间，妈妈夸我：“静静，你可真懂事啊!”

泪水的作文500字

三一文库（https://www.360docs.net/doc/b214638303.html,）〔泪水的作文500字〕成长是苦涩的,是甘甜的,是辛酸的,但成长过程中有一个无比亲密的朋友——眼泪。小编给大家提供泪水的作文500字，欢迎参考！泪水的作文500字（一）说起泪水，每个人都一定特别的熟悉。小时候哭，或许被别人抢走了手里心爱的玩具，或许是自己不小心摔了一跤……，但是，经过那一次泪水后，我才明白，那些泪水都一文不值。那一次我也明白了苦涩的眼泪是什么滋味。那天，语文老师布置了家庭作业：“明天语文考试，请大家回家好好的复习一下，争取明天能考到一个令自己满意的成绩。”我心中大喜，只要回家稍微的复习一下，明天肯定能考的很好，在痛痛快快地玩一个晚上，肯定特别的爽。回到家以后，我很快的完成了数学和英语的作业，把老师说的重点快速地翻过了一遍，就开始玩起了电脑游戏，一直玩到妈妈叫我上床睡觉，我才恋恋不舍地关掉了电脑。第二天的语文课上，老师走上讲台，把一张张白花花的试卷数好，让第一个同学往下传，看着一个个不会做的题目我心急如焚，后天昨天不应该玩电脑游戏，而应该好好的复

习一下，可这些不会做的题目怎么办呢？又不能偷看，这样的话老师肯定会发现的，而且同桌的手把试卷的答案遮的严严实实的，我是不可能看到答案的。时间一分一秒的过去了，我的试卷上还有差不多一半的题目都没有完成呢，这可要我怎么办呀！老师突然说道：“还有最后的五分钟。”别的同学都拿着试卷仔仔细细的检查，只有我还爱冥思苦想。当老师说收卷时，我心里一惊，如果把这份卷子交上去，肯定要被老师批评的，可不交也不行啊。我还在想该怎么办的时候，后面的同学早已把我的试卷给收上去了，要不是旁边的同学捏了我一下，可能我还没回过神来呢！语文试卷很快就被老师批好了，当我看到我的成绩是79分时心里涌出来一股说不出的难过，那两个鲜红的大字，仿佛是一把利刃一样刺痛了我的心。很快我就被老师叫去身边谈话，老师还没说几句话呢，我的不听话的眼泪就哗哗地了下来，像一连串的珍珠一样止也止不住，老师教训了几句就让我回了教室。这次的教训，让我懂得了一个道理：“不管做哪一件事都要严格要求自己，不要有丝毫的松懈。” 泪水的作文500字（二）泪水，是感情的流露，或喜悦，或悲伤，或懊悔，每一次流泪都会有一段难忘的经历，都会在我们内心深处，烙下烙印。泪水是一次次成长的记录。

剑桥雅思 Test 听力Section答案+解析

剑桥雅思4T e s t3听力S e c t i o n1答案+解析谈话场景：租房场景。人物关系：租房中介咨询员以及租房者。谈话话题：交流租房信息，房源、客户要求、客户信息以及房租等问题交际与语言表达 1. 租房场景是Section 1 的高频场景。学生若住在学校公寓，离教室和图书馆都比较近，相对方便一些。若住在当地人家里( host family)，房租一般比学校便宜，而且可以深入到当地人生活中，深入沟通，感受文化;若选择和同学或朋友一起在外租房，大家可以在生活上互相照应，在学习上经常一起交流心得体会，了解不同的文化和思维方式。 2. “I was studying general English in Adelaide and now I’m doing Academic English, because I’m trying to get into Medicine next year.”我在阿德莱德的时候学的是通用英语，现在我学的是专业英语，因为明年我准备开始学医了。一部分没有过语言关的留学生会选择先读语言学校，然后再攻读学位。有些攻读硕士学位并要更换专业的学生还需要读一些“bridge courses”( 衔接课程). 3. “Would you like to live with a family or do you think that a single person would be better for you? Do you have any women living alone, retired women?”你喜欢和一个家庭一起住还是觉得一个人单独住更合适?你那儿有单独居住的退休女士吗?“single person”指“一个人”，“single”还有“单身”的意思，例如：Married people usually have a different view of life from single people. 已婚的人与单身的人通常有不同的人生观。“live alone”表示“单独居住”，例如：I live all alone but I never feel lonely. 我虽孑然一身, 但从不感孤寂。 4. “Most families do that on an honor system, but you have to wait and see.”大多数家庭都是用信用制度来付电话费，到时候你就知道了。留学期间，如果住在当地人家里或者和同学合租房，大多数房东不太愿意为了给学生出租一段时间的房子另行申请一个新的电话号码，一般房东和房客共用一个号码，付费的时候，靠大家自觉。剑桥雅思4Test3听力Section 1答案+解析 Question 1 1.5 years 观察所给图表，可知此对话是关于住房申请的问题。需填信息分别为：在澳大利亚居住的时间、目前住址、目前课程，以及所需住房的时间段。此题一定要注意题目要求。题目要求的是每空所填单词不得超过三个，所以在填空的时候，不能把原文一字不变地照搬下来。原文提到“a year in Adelaide and six months in Sydney”，实际上填空的时候，考生可以将其简化为“1. 5 years”。

一堂印象最深的语文课作文

一堂印象最深的语文课作文导读：本文一堂印象最深的语文课作文，仅供参考，如果觉得很不错，欢迎点评和分享。一堂印象最深的语文课作者/ 谭文清在我的小学生活中，有一堂语文课深深地印在我的脑海里。那天，悦耳的铃声一响，我们就端坐着等候韩老师来上课。“噔、噔、噔……”响起了一阵脚步声，韩老师抱着一叠教科书进来了。“谭曰福，你给我出来！”韩老师推了推鼻梁上的眼镜，厉声呵道。妈呀，这个“调皮大王”准是又惹祸了，唉，少不了挨一顿训斥，我想。韩老师发起怒来真是可怕极了，特别是那双眼睛，如利剑似的，直向你刺来。我的心像十五吊桶打水——七上八下。教室里鸦雀无声，我们大气也不敢出。韩老师揪着谭曰福的衣服，把他拉出了教室，“砰”地一声关上了门。然后，他又回到了讲台上，清了清噪子。不好了，“暴风雨”即将来临！我想着，不由自主地害怕起来。“同学们……”咦，怎么啦？韩老师的脸已阴转晴，笑盈盈的，他葫芦里卖的什么药？真奇怪！我百思不得其解，同学们也都躁动不安起来。韩老师说：“你们知道谭曰福今天穿的什么衣服？什么裤子吗？穿着什么鞋子？”啊！这我倒是没注意呀。看看韩老师，我们都答不上来。

这时，韩老师开门把谭曰福“请”了进来，让他站在讲台上，诙谐地说：“谭曰福同学，刚才委屈你了！”我们哄堂大笑，笑得前俯后仰。谭曰福一脸的疑问，看着我们笑，便也跟着我们微笑起来。这会儿，我们才看清楚，他穿着白衬衫，一条深蓝色的裤子，一双灰色的凉鞋。韩老师这才展开话题：“同学们，平时我们要注意观察，注意事物的特点，这样呢，写起作文……”他微笑地说着。 “喔！”这时我们才恍然大悟，紧皱的眉头舒展开了，悬着的心落地了，如释重负地舒了一口气，同时也对韩老师那种与众不同的教学方式感到敬佩。我们挺直了腰，饶有兴致地听韩老师讲课，时而，我们瞪大眼睛屏息凝视，时而开怀大笑。听着韩老师的课，我们忘记了一切，同老师一起喜、一起忧，完全置身于欢乐的课堂之中。 “叮零零……”下课铃响了，咦，今天的时间过得真快！我们在韩老师的“同学再见”声中乐呵呵地告别了这堂有趣的作文课。我永远不会忘记这堂语文课。（指导老师：陈长萍）感谢阅读，希望能帮助您！

五年级优秀日记400字【五篇】

五年级优秀日记400字【五篇】剪纸是中国最普及的装饰艺术之一，有着悠久的历史。暑假，爸爸给我买了一些剪纸，虽然仅仅在普通的彩纸上剪出的，不过画面却栩栩如生。有一张是一个小孩在烈日下牵着两只昂首挺胸的骆驼;有一张是一个穿着长裙的傣族小姑娘顶着三只碗在跳舞;有一张是一个小女孩在蒙古包里专心致志地读书……这些剪纸真是美不胜收啊! 我最喜欢那张“好朋友”。这张颜色鲜艳，那位高人剪得很流畅，大小疏密无可挑剔。看到这儿，我就想起了杜甫诗中的句子“暖水濯我足，简直招我魂。”再仔细看，图上那敦厚的老牛张大了眼睛，看着主人和他的好朋友。老牛身上满是鲜花，那花蕊比头发丝还细呢。有一个牧童在它身上拉另一个小孩上来，他们一个浓眉大眼，背着笠帽，穿着有很多条纹的裤子;一个眼睛炯炯有神，身后背着一个水壶，穿着无袖的衬衫、百条条纹的中裤。好朋友”呢。看呀，下面的一只蚂蚱展开翅膀为他们祝福，牛角上的两只喜鹊也在为他们开心呢，显然他们的友谊很深。多么精致小巧的剪纸啊! 【篇二】二十一世纪飞上太空已不是梦，可上一次太空需要大量的人力、财力等等不说，能源消耗也很大，地球都快挖空了!哪有那么多的能源?作为在二十二世纪生活的我——一名优秀的科学家，终于研制出了 “折射光能反应型超级火箭”。此火箭进入太空后根据实际情况组合成一个大型火箭，也能够分离成三个小火箭。这个火箭是锥头的，总长59.68米,直径3.85米。在火箭的两侧我设置了四个*器，而尾部是一个巨大的阳光充能储存舱。光的热度是人类无法想象的，而火箭正好能够使用这股热流，在尾部有一个强化过的玻璃做的一个巨大凹镜。在有光源的时候，火箭会自动接收光源，在凹镜聚焦的原理下，把光射在折射镜上，折射镜再把光射在一面凸

以泪水为题的作文500字

以泪水为题的作文500字这个世界的眼泪太多，愤怒的，悲伤的，绝望的，无辜的，我曾躲在某个寂寞的角落，心照不宣地见证过。以下是橙子整理的以泪水为题的作文，欢迎大家参考！以泪水为题的作文1 作业就像是一座高山，而写作业，就像是在爬山，自己感觉上升了不少，其实对征服整座山来说是九牛一毛。下午我去看了场电影，写的更作业不如往日多，本来妈妈对我写作业的进度就颇有意见，现在我又止不住为此唉声叹气了，回家之后真不知道要接受怎样的暴风雨，我还没准备好迎接呢！我坐在书桌前撑着脑袋，皱着眉，开始为出来看电影这个烂计划感到后悔。好嘛，现在作业没写成，心烦意乱，整个大脑都被“作业”二字所霸占。看的是《流浪地球》现在都成“流浪作业”了！如果妈妈今天不过问我的作业，那我岂不是可以逃过一劫？不过这只是一个美好的幻想而已。 “你看看你，寒假还剩几天？不好好写作业……”现在的妈妈，黑着脸，右手朝着一堵墙挥动着，好像那面墙成了我的榜样。我听着，没有说任何话，这样的训斥，我早已习惯，况且今天我写的作业确实没有之前多，多听几句训，就当作是一种不一样的勉励吧！“一天天不知道努力，你说你在干什么？”妈妈继续她的“训话”。我愣住了，我没有努力？我在干什么？难道我真的没有努力？我

的心中涌起一种异样的感觉，表情变得奇怪，心中像是被针扎了一样，一阵阵的刺痛：“这样说不公平！”我在心底嘶喊着。我不想让别人轻易否定自己的努力！泪水，滴了下来，从心中涌了出来…… 以泪水为题的作文2 打开记忆的大门，我不禁想起了一件令我十分感动而且至今还记忆犹心的事情。那是去年深秋的一个星期四的早上，我早早的起床，复习功课和朗读英语。奶奶做好了早点，我匆匆忙忙地吃完后，发现快到时间了。外面的天空乌云密布，如同一张巨大的灰网，看是要下雨。奶奶关切的对我说：“孙子，你看外面天气这么糟糕，等会可能会下雨的，你最好带上一把伞，穿厚些的衣服，小心着凉”。我在情急之下，有点不耐烦，“诶呀！你烦死了！”。“伞就不带了，反正一时半会也下不了雨”。奶奶无可奈何地说了声：“随你的便”。我就这样背着书包上学去了。天有不测风云，可谁知我走在路上，天空就电闪雷鸣，像是老天在打鼓似的，顷刻间瓢泼大雨在我头顶上浇了下来，把我浇的跟落汤鸡似的，我浑身瑟瑟发抖。我很失望，因四周没有一处可避雨我就顶着大雨疾步向前跑，跑着跑着，我看到学校就在眼前。可谁知这时我脚下一滑，把我摔了个“狗啃泥”，腿摔痛了，整个身子都躺在积水塘里，我好狼狈啊。我绝望了，后悔了，我不该不听奶奶的话，要是带上了伞，这一切都不会发生。我站了起来，慢慢的，一瘸一拐的向前走着。这时，身后一个亲切而又熟悉的声音在呼唤着我的小名：“名名”。