真题2
1、按照交费方式分类，年金保险可分为（ ）。 A.趸交年金和期交年金 B.个人年金和联合年金 C.定额年金和变额年金 D.即期年金和延期年金 答案：A
2、（ ）是对尚未发生的、潜在的和客观存在的各种风险，系统地、连续地进行识别和归类，并分析产生风险事故的原因，主要包括感知风险和分析风险两方面内容。 A.风险识别 B.风险估测 C.风险评价 D.评估风险管理效果 答案：A
3、保险代理从业人员在执业活动中依据的法律法规中不包括的是（ ）。 A.《中华人民共和国保险法》 B.《中华人民共和国消费者权益保护法》 C.《中华人民共和国刑法通则》 D.《中华人民共和国反不正当竞争法》 答案：C
4、我国《民法通则》规定，出售质量不合格的商品未声明的诉讼失效期限为（ ）。 A.一年 B.二年 C.四年 D.二十年 答案：A
5、《中华人民共和国保险法》第三十六条规定：“合同约定分期支付保险费，投保人支付首期保险费后，除合同另有约定外，投保人自保险人催告之日起超过（ ）日未支付当期保险费，或者超过约定的期限六十日未支付当期保险费的，合同效力中止，或者由保险人按照合同约定的条件减少保险金额。” A.十 B.二十 C.三十 D.五十 答案：C 6、（ ）是指保险合同成立后，保险人即按期给付年金的年金保险。 A.趸交年金 B.期交年金 C.即期年金 D.延期年金 答案：C
7、趸交终身寿险是指在（ ）的终身寿险。 A.保险费在规定期限内分期交付 B.终身分期交付保险费 C.到期后一次全部交清保险费 D.投保时一次全部交清保险费 答案：D
8、下列属于车辆损失险和机动车商业第三者责任保险的共同附加险的是（ ）。 A.车辆停驶损失险 B.新增加设备损失险 C.附加油污污染责任保险 D.租车人人车失踪险 答案：C
9、（ ）是保险业的立业之基，最能体现保险业的特色和核心竞争力。 A.保障功能 B.补偿功能 C.资金融通功能 D.社会管理功能 答案：A
10、（ ）是保险人与保险代理人关于委托代理保险业务所达成的协议，是证明保险代理人有关代理权的法律文件。 A.保险代理合同 B.保险代理权 C.保险代理行为 D.保险代理事项 答案：A
11、10、“保险营销员展业证”遗夫或者因毁损影响使用的，应由（ ）负责补发或者更换。 A.中国保监会 B.当地保险行业协会 C.持有人所属保险公司 D.中介公司 答案：C
12、从承保标的来看，货物运输保险的特征表现为（ ）。 A.自由性 B.多变性 C.流动性 D.空间性 答案：C
13、在火箭发射中，如果因发射当天遇到恶劣的天气导致火箭发射失败，那么，引起火箭发射失败的风险因素是（ ）。 A.火箭设计没有达到技术要求 B.操作人员操作失误 C.发射当天遇到的恶劣天气 D.火箭坠毁损失 答案：C
14、某一保险营销员在销售投资连结保险这一保险新型产品的，为了推销产品提高业绩，未告知客户此类产品的费用扣险情况，也没有提示客户购买此类产品的投资风险，则（ ）。 A.应当由客户自己承担责任 B.中国保监会应给予该营销员行政处罚 C.中国保监会应给予营销员警告，并处以1万以下的罚款 D.应当禁止该营销员推销此类产品 答案：C
15、一般来说，（ ）是指对整个社会及其各个环节进行调节和控制的过程，目的在于正常发挥各系统、各部门、各环节的功能，从而实现社会关系和谐，整个社会良性运行和有效管理。 A.保障功能 B.补偿功能 C.资金融通功能 D.社会管理功能 答案：D 16、职业责任是指专业技术人员因工作上的疏忽或过失造成他们的当事人或其他人的（ ），依法应当由提供服务的专业技术人员承担的经济赔偿责任。 A.精神损失 B.人身伤害 C.财产损失 D.人身伤害或财产损失 答案：D
17、按照《消费者权益保护法》的规定，经营者不得对消费者进行侮辱诽谤，不得搜查消费者的身体及其携带的物品，不得侵犯消费者的（ ）。 A.人身自由 B.人格尊严 C.人身安全 D.财产安全 答案：A
18、货物运输保险保障对象的多变性主要指（ ）的多变性。 A.被保险人 B.承保标的 C.保险期限 D.保险合同 答案：A
19、保险期限是保险人实际承担保险责任的期限。通常普通财产保险的保险期限是（ ）。 A.1年或者1年以内 B.1年以上 C.2~3年 D.3年以上 答案：A
20、关于保险代理从业人员职业道德下列说法中正确的是（ ）。 A.诚实信用是保险代理从业人员职业道德的灵魂 B.守法遵规、专业胜任是基础 C.诚实信用是核心 D.守法遵规、专业胜任是核心 答案：C 21、团体人寿保险的投保人是（ ） A.团体组织 B.在职人员 C.企业工会 D.企业董事会 答案：A
22、王某以其妻李某为被保险人，向A寿险公司和B寿险公司分别投保定期寿险和终身寿险，保险金额分别为30万元和50万元李某指定他们的儿子小王为惟一受益人现因第三者的过失导致李某死亡，则保险人承担给付责任的情况为（ ） A.寿险公司给付30万元后取得向第三者追偿的权利 B.寿险公司给付50万元后取得向第三者追偿的权利 C.寿险公司共计给付80万元且不得向第三者追偿 D.寿险公司共计给付80万元后取得向第三者追偿的权利 答案：C
23、在寿险理赔中，保险人对申请人的索赔申请是否立案的条件之一是（ ）。 A.保险合同生效期间是否满足被保险人要求的条件 B.申请人是否在保险法规定时效内提出索赔申请 C.保险合同的责任范围内的保险事故是否发生在特定时点 D.保险合同的责任期限是否临近终止期 答案：B
24、关于保险代理人的代理行为，以下说法正确的是（ ）。 A.保险代理人的代理行为是由保险法和合同调整的行为 B.保险代理人的代理行为是基于保险人授权的委托代理 C.保险代理人的代理行为是代表被保险人利益的中介行为 D.保险代理人的权力既包括明示权力，但不包括默示权力 答案：B
25、复效条款只适用于因投保人欠交保费而引起（ ）的保单。 A.终止 B.中止 C.解除 D.解约 答案：B
26、寿险业务一般采用的保险合同形式是（ ） A.定值保险合同 B.给付保险合同 C.足额保险合同 D.特约保险合同 答案：B
27、在人身意外伤害保险中，如果意外伤害构成了保险责任，且意外伤害是直接引起被保险人死亡、残疾事件或一连串事件的最初原因，则表明意外伤害与被保险人死亡、残疾之间的因果关系是（ ）。 A.意外伤害是死亡或残疾的近因 B.意外伤害是死亡或残疾的次因 C.意外伤害是死亡或残疾的远因 D.意外伤害是死亡或残疾的副因 答案：A
28、家庭财产保险采用（ ）赔偿方式。 A.比例责任 B.限额责任 C.定额责任 D.第一危险 答案：D
29、最大诚信原则包含的内容（ ） A.告知、保证、确认、禁止反言 B.告知、诚信、弃权、禁止反言 C.告知、保证、弃权、禁止反言 D.告知、诚信、确认、禁止反言 答案：C
30、人寿保险核保中，以下属于影响死亡率要素的是（ ） A.险种 B.缴费方式 C.投保人财务状况 D.家族病史 答案：D
31、狭义财产保险是指以（ ）为保险标的的保险 A.财产 B.财产及其有关的经济利益 C.财产及其有关的损害赔偿责任 D.物质财产 答案：D
32、死亡危险程度较高，即死亡率高于标准死亡率的被保险人的总称（ ） A．标准体 B．次标准体 C．健康体 D．非标准体 答案：D
33、雇主欲转嫁其对雇员在受雇期间因从事与职业行为有关的工作而患职业病或伤、残、亡等依法应承担医疗费、工伤补贴、家属抚恤等责任，可以投保（ ） A．财产保险 B．意外伤害险 C．失业保险 D．雇主责任保险 答案：D
34、（ ）是指以保险合同约定的疾病的发生为给付保险金条件的保险 A．两全保险 B．医疗保险 C．疾病保险 D．生存保险 答案：C
35、投保人或被保险人的欺诈、纵火行为等都属于（ ） A.道德风险因素 B.心理风险因素 C.合规风险因素 D.管理风险因素 答案：A
36、保险单是投保人与保险人之间订立保险合同的正式书面凭证一般由（ ）在保险合同成立时签发，并将正本交由投保人收执 A.保险人 B.要约人 C.受益人 D.被保险人 答案：A
22年考研英语真题二答案
22年考研英语真题二答案(文章正文开始)阅读理解部分：Passage 1题目：The importance of motivation答案：In this passage, the author emphasizes the importance of motivation in achieving success. Motivation is presented as the driving force behind individuals' actions and as a key factor in overcoming challenges. The author suggests that motivation can be fostered through setting goals, seeking support, and maintaining a positive mindset.Passage 2题目：The impact of climate change on biodiversity答案：This passage discusses the detrimental effects of climate change on biodiversity. It highlights the loss of species diversity, habitat destruction, and the disruption of ecosystems as consequences of global warming. The author emphasizes the urgency of taking action to mitigate the effects of climate change and protect the Earth's biodiversity.Passage 3题目：The benefits of meditation答案：In this passage, the author explores the various benefits of meditation. The practice of meditation is shown to have positive effects on mental well-being, reducing stress and anxiety. It is also linked to improved focus, enhanced creativity, and better overall health. The author suggests incorporating meditation into daily routines for maximum benefits.Passage 4题目：The evolution of technology in education答案：This passage traces the evolution of technology in education and its impact on learning. From traditional classrooms to online platforms and virtual reality, the author discusses how technology has revolutionized teaching methods and widened access to education. The benefits and challenges of integrating technology in classrooms are examined, with an emphasis on the need for digital literacy.翻译部分：翻译一题目：How does technology affect our daily lives?答案：技术对我们日常生活的影响是多方面的。
首都医科大学儿牙真题(2)
儿牙名词解释：1.牙根稳定期：2.发育间隙：3.年轻恒牙：4.咬合诱导：1. （儿牙）牙根稳定期：自乳牙根形成至牙根开始吸收这一时期称乳牙根稳定期，这是临床上乳牙牙髓治疗和根管治疗的最有利的时期。
也是乳牙反颌矫正的时期。
2.（儿牙P61）发育间隙：灵长类动物牙列中，上颌乳侧切牙与乳尖牙之间，下颌乳尖牙与第一乳磨牙之间存在间隙，这种间隙称为灵长间隙。
随着颌骨发育3~6岁乳牙列中出现的生理间隙称为发育间隙。
3.（儿牙P41）年轻恒牙：young permanent teeth即年轻恒牙。
恒牙已萌出，但在形态、结构上尚未完全形成和成熟的恒牙称为年轻恒牙。
由于年轻恒牙尚处于不断萌出中，故临床牙冠的高度显得低，牙根尚未完全形成，根尖孔呈漏斗状，髓室整体宽大，根管壁薄。
4.（儿牙P213）咬合诱导：occlusive guidance在牙齿发育时期，引导牙齿沿咬合的正常生理位置生长发育的方法，称为咬合诱导简答题:1.年轻恒牙易患龋病原因：2.儿童龋病的特点：3.乳牙深龋、年轻恒牙深龋治疗的不同及其原因：4.怎样理解“乳牙深龋的治疗，不应过分强求保存活髓”的观点5.替牙期保全牙列的意义6.遗传性乳光牙本质和奶瓶龋的鉴别：1.（儿牙P41）年轻恒牙易患龋病原因：乳牙较恒牙易患龋，这与乳牙的解剖形态、组织结构、矿化程度及其所处环境等因素有关。
乳牙易患龋的因素有下列几点：（1）解剖特点：年轻恒牙后牙牙合面沟嵴明显、形态复杂，沟裂多为IK型，牙合面比成熟恒牙难以自洁，菌斑和食物残渣滞留，易发生龋坏。
（2）组织学特点：年轻恒牙釉质薄，矿化度低，溶解度高，渗透性强，故年轻恒牙龋蚀发展较快又多为急性龋。
（3）饮食：儿童和青少年常有不良饮食习惯，饮食中的碳水化合物为微生物的致龋提供了条件，大量饮用碳酸饮料可导致牙齿酸蚀症。
（4）口腔卫生习惯：儿童及青少年口腔卫生维持不到位，经常使牙齿处于脱矿环境中，导致广泛的早期龋。
（5）全身因素：青春期激素的改变增加了患龋风险。
考研英语二真题及答案完整版（2）
考研英语二真题及答案完整版（2）25.The home front differs from the workplace in that_____________[A]home is hardly a cozier working environment[B]division of labor at home is seldom clear-cut[C]household tasks are generally more motivating[D]family labor is often adequately rewarded答案：21.D offered greater relaxation than the workplace22.B childless husbands23.A they are both bread winners and housewives24.C earnings25.B division of labor at home is seldom clear-cutText 2For years, studies have found that first-generation college students-those who do not have a parent with a college degree-lag other students on a range of education achievement factors. Their grades are lower and their dropout rates are higher. But since such students are most likely to advance economically if they succeed in higher education, colleges and universities have pushed for decades to recruit more of them. This has created "a paradox" in that recruiting first-generation students, but then watching many of them fail, means that higher education has "continued to reproduce and widen, rather than close" achievement gap based on social class, according to the depressing beginning of a paper forthcoming in the journal Psychological Sciense.But the article is actually quite optimistic, as it outlines a potential solution to this problem, suggesting that anapproach(which involves a one-hour, next-to-no-cost program) can close 63 percent of the achievement gap(measured by such factors as grades)between first-generation and other students.The authors of the paper are from different universities, and their findins are based on a study involving 147 students(who completed the project)at an unnamed private unive rsity.First generation was defined as not having a parent with a fou r-year college degree Most of the first-generation students(59.1 percent) were recipients of Pell Grants，a federal g rant for undergraduates with financial need，while this was true only for 8.6 percent of the students wit at least one parent with a four-year degreeTheir thesis-that a relatively modest inte rvention could have a big impact-was based on the view that first-gene ration students may be most lacking not in potential but in practical knowledge about how to deal with the issues that face most college students They cite past resea rch by several authors to show that this is the gap that must be na rrowed to close the achievement gap.Many first-gene ration students"struggle to navigate the middle-class culture of higher education，learn the'rules of the game，'and take advantage of college resou rces," they write And this becomes more of a problem when collages don't talk about the class advantage and disadvantages of different groups of students Because US colleges and universities seldom acknowledge how social class can affect students' educational expe rience，many first-gene ration students lack sight about why they a re struggling and do not unde rstand how students' like them can improve26. Recruiting more first-generation students has[A]reduced their d ropout rates[B]narrowed the achievement gao[C] missed its original pu rpose[D]depressed college students27 The author of the research article are optimistic because[A]the problem is solvable[B]their approach is costless[q the recruiting rate has increased[D]their finding appeal to students28 The study suggests that most first-gene ration students[A]study at private universities[B]are from single-pa rent families[q are in need of financial support[D]have failed their collage29. The author of the paper believe that first-generation students[A]a re actually indifferent to the achievement gap[B]can have a potential influence on othe r students[C] may lack opportunities to apply for resea rch projects[D]are inexperienced in handling their issues at college30.We mayinfer from the last paragraph that--[A]universities often r~ect the culture of the middle-class[B]students are usually to blame for their lack of resources[C]social class g reatly helps en rich educational experiences[D]colleges are partly responsible for the problem in question答案：26.C missed its original purpose27.A the problem is solvable28.C are in need of financial support29.D are inexperienced in handling issues at college30.D colleges are partly responsible for the problem in questionText3Even in traditional offices，"the lingua franca of corporate America has gottenmuch more emotional and much more right-brained than it was 20 years ago，" said Ha rva rd Business School professor Nancy Koehn She sta rted spinning off examples."If you and I pa rachuted back to Fortune 500 companies in 1990，we would see much less frequent use of terms like Journey, mission,passion. There were goals，there were strategies，there were objectives，but we didn't talk about energy;we didn't talk about passion."Koehn pointed out that this new era of corporate vocabula ry is very "team"-oriented-and not by coincidence."Let's not forget sDorts-in male-dominated corporate America，it's still a big deal. It's not explicitly conscious;it's the idea that I'm a coach，and you're my team，and we're in this togethec. There are lots and lots of CEOs in very different companies，but most think of themselves as coaches and this is their team and they want to win".These terms a re also intended to infuse work with meaning-and，as Khu rana points out，increase allegiance to the firm."You have the importation of terminology that historically used to be associated with non-profit organizations and religious organizations：Terms like vision，values，passion，and purpose，"saidKhuranaThis new focus on personal fulfillment can help keep employees motivated amid increasingly loud debates over work-life balance The "mommy wars" of the 1990s a re still going ontoday, prompting arguments about whywomen still can'thave it all and books like Sheryl Sandberg's Lean In，whose title has become abuzzword in its own right. Terms like unplug，offline，life-hack，bandwidth，andcapacity are all about setting boundaries between the office and the home But ifyour work is your "passion," you'II be more likely to devote yourself to it，even ifthat means going home for dinner and then working long after the kids are in bedBut this seems to be the irony of office speak：Everyone makes fun of it，butmanage rs love it，companies depend on it，and regular people willingly absorb itAs Nunberg said，"You can get people to think it's nonsense at the same timethat you buy into it." In a workplace that's fundamentally indiffe rent to your lifeand its meaning office speak can help you figu re out how you relate to yourwork-and how your work defines who you are31. According to Nancy Koehn, office language has become________[A]more e motional[B]more objective[C]less energetic[D]less energetic[E]less strategic32."team"-oriented corporate vocabulary is closely related to________[A]historical incidents[B]gender difference[C]sports culture[D]athletic executives33.Khurana believes that the importation of terminology aims to________[A]revive historical terms[B]promote company image[C]foster corporate cooperation[D]strengthen employee loyalty34.It can be inferred that Lean In_________[A]voices for working women[B]appeals to passionate workaholics[C]triggers dcbates among mommies[D]praises motivated employees35.Which of the following statements is true about office speak?[A]Managers admire it but avoid it[B]Linguists believe it to be nonsense[C]Companies find it to be fundamental[D]Regular people mock it but accept it答案：31.A more emotional32.C sports culture33.D strengthen employee loyalty34.A voices for working women35.C companies find it to be fundamental。
2022年国家法律职业资格考试《客观题卷二》真题_2
2022年国家法律职业资格考试《客观题卷二》真题2022年国家法律职业资格考试《客观题卷二》真题单选题（共53题，共53分）1.小倩（9岁）的父亲因坐牢与小倩的母亲离婚，小倩的母亲再婚生子后虐待小倩，小倩的祖父母想要成为其监护人。
以下说法正确的是（）。
A.祖父母想要成为其监护人，需要向法院申请B.因小倩母亲的虐待行为，祖父母自动成为监护人C.祖父母想要成为其监护人，需要经小倩的父亲同意D.祖父母想要成为其监护人，需要经民政部门同意2.知名中医谭某与有夫之妇兰某有染，被兰某丈夫白某发现。
白某胁迫谭某为其宣传保健品，其主要成分为芝麻、红糖，一盒1000元，半年为一疗程。
后谭某向某富商推售，富商购买了两疗程使用无效，欲向法院起诉撤销该买卖合同。
富商可以以下列哪项理由主张买卖合同无效？（）A.重大误解B.白某胁迫C.白某欺诈D.谭某欺诈3.A男与B女在离婚协议中约定：为了婚生女小萍的健康成长，B女若再婚也不可再生育子女，该约定违反了哪一项原则？（）A.公序良俗原则B.平等原则C.自愿原则D.公平原则4.甲是X公司董事长和法定代表人。
2022年8月6日甲与田某约定：甲从田某处借款1000万元用于X公司与Y公司的合作项目。
2022年8月7日田某出示汇款凭证，并出示次日X公司收到汇款并汇款给Y 公司的凭证。
下列说法正确的是（）。
A.甲与田某的借款合同于2022年8月8日成立B.甲与田某之间不构成借款合同C.甲与田某的借款合同于2022年8月6日成立D.田某不能要求X公司与甲某共同清偿债务5.甲以乙的名义向丙借钱，让丙打到自己的银行卡。
丙想起自己有乙的银行卡号，直接打给乙了。
乙收到钱后对甲丙表示感谢，说自己正需要钱。
下列说法错误的是（）。
A.甲构成无权代理B.乙的行为属于对无权代理的追认C.相关款项应由乙负责偿还D.甲的行为构成无因管理6.甲和乙签订设备转让合同，约定甲将一台设备转给乙。
乙又与丙订立买卖合同，将该设备出卖给丙。
雅思阅读理解真题刷题2-附答案解析
Choices and HappinessA Americans today choose among more options in more parts of life than has everbeen possible before. To an extent, the opportunity to choose enhances our lives. It is only logical to think that if some choice is good, more is better; people who care about having infinite options will benefit from them, and those who do not can always just ignore the 273 versions of cereal they have never tried. Yet recent research strongly suggests that, psychologically, this assumption is wrong.Although some choice is undoubtedly better than none, more is not always better than less.B Recent research offers insight into why many people end up unhappy rather thanpleased when their options expand. We began by making a distinction between “maximizers”and “satisficers”.C In particular, we composed a set of statements—the Maximization Scale—todiagnose people’s propensity to maximize. Then we had several thousand people rate themselves from 1 to 7 on such statements as “I never settle for second best.”We also evaluated their sense of satisfaction with their decisions.We did not define a sharp cutoff to separate maximizers from satisficers, but in general, we think of individuals whose average scores are higher than 4 as maximizers and those whose scores are lower than the midpoint as satisficers. People who score highest on the test—the greatest maximizers—engage in more product comparisons than the lowest scorers, both before and after they make purchasing decisions, and they take longer to decide what to buy. When satisficers find an item that meets their standards, they stop looking. But maximizers exert enormous effort reading labels, checking out consumer magazines and trying new products. They also spend more time comparing their purchasing decisions with those of others.D We found that the greatest maximizers are the least happy with the fruits oftheir efforts. When they compare themselves with others, they get little pleasure from finding out that they did better and substantial dissatisfaction from finding out that they did worse. They are more prone to experiencing regret after a purchase, and if their acquisition disappoints them, their sense of well-being takes longer to recover. They also tend to brood or ruminate more than satisficers do.E Does it follow that maximizers are less happy in general than satisficers? Wetested this by having people fill out a variety of questionnaires known to be reliable indicators of well-being. As might be expected, individuals with high maximization scores experienced less satisfaction with life and were less happy, less optimistic and more depressed than people with low maximization scores.Indeed, those with extreme maximization ratings had depression scores that placed them in the borderline clinical range.F Several factors explain why more choice is not always better than less, especiallyfor maximizers. High among these are “opportunity costs.”The quality of any given option cannot be assessed in isolation from its alternatives. One of the “costs”of making a selection is losing the opportunities that a different option would have afforded. Thus, an opportunity cost of vacationing on the beach in Cape Cod might be missing the fabulous restaurants in the Napa Valley.EARLY DECISION-MAKING RESEARCH by Daniel Kahneman and Amos Tversky showed that people respond much more strongly to losses than gains. If we assume that oppoyunity costs reduce the overall desirability of the most preferred choice, then the more alternatives there are, the deeper our sense of loss will be and the less satisfaction we will derive from our ultimate decision.G The problem of opportunity costs will be worse for a maximizer than for asatisficer. The latter’s “good enough”philosophy can survive thoughts about opportunity costs. In addition, the “good enough”standard leads to much less searching and inspection of alternatives than the maximizer’s “best”standard. With fewer choices under consideration, a person will have fewer opportunity costs to subtract.H Just as people feel sorrow about the opportunities they have forgone, they mayalso suffer regret about the option they settle on. My colleagues and I devised a scale to measure proneness to feeling regret, and we found that people with high sensitivity to regret are less happy, less satisfied with life, less optimistic and more depressed than those with low sensitivity. Not surprisingly, we also found that people with high regret sensitivity tend to be maximizers. Indeed, we think that worry over future regret is a major reason that individuals become maximizers. The only way to be sure you will not regret a decision is by making the best possible one. Unfortunately, the more options you have and the more opportunity costs you incur, the more likely you are to experience regret.Regret.I In a classic demonstration of the power of sunk costs, people were offeredseason subscriptions to a local theater company. Some were offered the tickets at full price and others at a discount. Then the researchers simply kept track of how often the ticket purchasers actually attended the plays over the course of the season. Full-price payers were more likely to show up at performances than discount payers. The reason for this, the investigators argued, was that the full-price payers would experience more regret if they did not use the tickets because not using the more costly tickets would constitute a bigger loss. To increase sense of happiness, we can decide to restrict our options when the decision is not crucial. For example, make a rule to visit no more than two stores when shopping for clothing.Question 1-4Look at the following statements(Question 1-4)and the list of people below.Match each statement with the correct person,A-D.Write the correct letter,A-D,in boxes 1-4 on your answer sheet.NB You may use any letter more than once.A MaximizersB SatisficersC BothD Neither of them1finish transaction when the items match their expectation2buy the most expensive things when shopping3consider repeatedly until they make final decision4particular in the questionnaire of the authorQuestions5-9Do the following statements agree with the information given in Reading Passage 1? In boxes5-9on your answer sheet, writeTRUE if the statement agrees with the informationFALSE if the statement contradicts the informationNOT GIVEN if there is no information on this5With the society’s advancement, more chances make our lives better and happier.6There is difference of finding by different gender classification.7The feeling of loss is greater than that of acquisition.8“good enough ” standard brings about more effort on searching than “best”standard.9There are certain correlations between the ‘regret’ people and the maximizers. Questions 10-13Choose the correct letter, A, B, C or D.Write the correct letter in boxes 10-13 on your answer sheet.10 What is the subject of this passage?A regret makes people less happyB choices and well-beingC an interesting phenomenonD advices on shopping11 According to conclusion of questionnaires, which of the followingstatement is correct?A maximizers are less happyB state of being optimistic is importantC uncertain results are foundD maximizers tend to cross bottom line12 The experimental on theater tickets suggested:A sales are different according to each seasonB people like to spend on the most expensive itemsC people feel depressed if they spend their vouchersD people would regret if they failed to attend the plays.13 What is author’s suggestion on how to increase happiness:A focus the final decisionB be sensitive and smartC reduce the choice or optionD read label carefully题目答案1 B2 D3 A4 C5 FALSE6 NOT GIVEN7 TRUE8 FALSE9 TRUE10 B11 A12 D13 CFoot Pedal IrrigationYou should spend about 20 minutes on Question 1-14,which are based on Reading Passage 1 on the following pages.A Until now, governments and development agencies have tried to tackle theproblem through large-scale projects: gigantic dams, sprawling irrigation canals and vast new fields of high-yield crops introduced during the Green Revolution, the famous campaign to increase grain harvests in developing nations. Traditional irrigation, however, has degraded the soil in many areas, and the reservoirs behind dams can quickly fill up with silt, reducing their storage capacity and depriving downstream farmers of fertile sediments. Furthermore, although the Green Revolution has greatly expanded worldwide farm production since 1950, poverty stubbornly persists in Africa, Asia and Latin America. Continued improvements in the productivity of large farms may play the main role in boosting food supply, but local efforts to provide cheap, individual irrigation systems to small farms may offer a better way to lift people out of poverty.B The Green Revolution was designed to increase the overallfood supply, not to raise the incomes of the rural poor, so itshould be no surprise that it did not eradicate poverty or hunger.India, for example, has been self-sufficient in food for 15 years,and its granaries are full, but more than 200 millionIndians—one fifth of the country's population—aremalnourished because they cannot afford the food they needand because the country's safety nets are deficient. In 2000 189 nations committed to the Millennium Development Goals, which called for cutting world poverty in half by 2015. With business as usual, however, we have little hope of achieving most of the Millennium goals, no matter how much money rich countries contribute to poor ones.C The supply-driven strategies of the Green Revolution, however, may nothelp subsistence farmers, who must play to their strengths to compete in the global marketplace. The average size of a family farm is less than four acres in India, 1.8 acres in Bangladesh and about half an acre in China.Combines and other modern farming tools are too expensive to be used on such small areas. An Indian farmer selling surplus wheat grown on his one-acre plot could not possibly compete with the highly efficient and subsidized Canadian wheat farms that typically stretch over thousands of acres. Instead subsistence farmers should exploit the fact that their labor costs are the lowest in the world, giving them a comparative advantage in growing and selling high-value, intensely farmed crops.D Paul Polak saw firsthand the need for a small-scale strategy in 1981 whenhe met Abdul Rahman, a farmer in the Noakhali district of Bangladesh.From his three quarter-acre plots of rain-fed rice fields, Abdul could grow only 700 kilograms of rice each year—300 kilograms less than what he needed to feed his family. During the three months before the October rice harvest came in, Abdul and his wife had to watch silently while their three children survived on one meal a day or less. As Polak walked with him through the scattered fields he had inherited from his father, Polak asked what he needed to move out of poverty. “Control of water for my crops,”he said, “at a price I can afford.”E Soon Polak learned about a simple device that could help Abdul achievehis goal: the treadle pump. Developed in the late 1970s by Norwegian engineer Gunnar Barnes, the pump is operated by a person walking in place on a pair of treadles and two handle arms made of bamboo. PrF operly adjusted and maintained, it can be operated several hours a daywithout tiring the users. Each treadle pump has two cylinders which are made of engineering plastic. The diameter of a cylinder is 100.5mm and the height is 280mm. The pump is capable of working up to a maximum depth of 7 meters. Operation beyond 7 meters is not recommended to preserve the integrity of the rubber components. The pump mechanism has pistonand foot valve assemblies. The treadle action creates alternate strokes in the two pistons that lift the water in pulses.G The human-powered pump can irrigate half an acre of vegetables andcosts only $25 (including the expense of drilling a tube well down to the groundwater). Abdul heard about the treadle pump from a cousin and was one of the first farmers in Bangladesh to buy one. He borrowed the $25 from an uncle and easily repaid the loan four months later. During the five-month dry season, when Bangladeshis typically farm very little, Abdul used the treadle pump to grow a quarter-acre of chili peppers, tomatoes, cabbage and eggplants. He also improved the yield of one of his rice plots by irrigating it. His family ate some of the vegetables and sold the rest at the village market, earning a net profit of $100. With his new income, Abdul was able to buy rice for his family to eat, keep his two sons in school until they were 16 and set aside a little money for his daughter's dowry. When Polak visited him again in 1984, he had doubled the size of his vegetable plot and replaced the thatched roof on his house with corrugated tin. His family was raising a calf and some chickens. He told me that the treadle pump was a gift from God.H Bangladesh is particularly well suited for the treadle pump because a hugereservoir of groundwater lies just a few meters below the farmers' feet. In the early 1980s IDE initiated a campaign to market the pump, encouraging75 small private-sector companies to manufacture the devices and severalthousand village dealers and tube-well drillers to sell and install them. Over the next 12 years one and a half million farm families purchased treadle pumps, which increased the farmers' net income by a total of $150 million a year. The cost of IDE's market-creation activities was only $12 million, leveraged by the investment of $37.5 million from the farmers themselves.In contrast, the expense of building a conventional dam and canal system to irrigate an equivalent area of farmland would be in the range of $2,000 per acre, or $1.5 billion.Questions 1-6Do the following statements agree with the information given in Reading Passage 1?In boxes1-6 on your answer sheet, writeTRUE if the statement is trueFALSE if the statement is falseNOT GIVEN if the information is not given in the passage1 It is easier to resolve food problem in large scale rather than in small scale.2 Construction of gigantic dams costs more time in developing countries.3Green revolution failed to increase global crop production from the mid of 20th century.4Agricultural production in Bangladash declined in last decade.5 Farmer Abdul Rahman knew how to increase production himself at thebeginning.6 Small pump spread into big project in Bangladesh in the following decade after the campaign.Questions 7-11Filling the blanks in diagram of treadle pump's each parts.Choose NO MORE THAN THREE WORDS AND/OR A NUMBER from the passage for each answer.Questions 12-14Answer the questions below.Choose NO MORE THAN THREE WORDS AND/OR A NUMBER from the passage for each answer.12 How large can a treadle pump irrigate the field according to the passage?13 What is Abdul's new roof made of?14 How much did Bangladesh farmers invest under IDE's stimulation?题目答案1 FALSE2 NOT GIVEN3 FALSE4 NOT GIVEN5 TRUE6 TRUE7 several hours8 bamboo9 cylinders10 piston11 712 half an acre13 corrugated tin14 $37.5 millionPaper or Computer?A Computer technology was supposed to replace paper. Butthat hasn't happened every country in the western world usesmore paper today, on a per-capita basis, than it did ten yearsago. The consumption of uncoated free-sheet paper, forinstance--the most common kind of office paper--rosealmost fifteen per cent in the United States between 1995and 2000. This is generally taken as evidence of how hard itis to eradicate old, wasteful habits and of how stubbornly resistant we are toefficiencies offered by computerization. .B Economists at the I.M.F spend most of their time writing reports on complicatedeconomic questions, work that would seem to be perfectly suited to sitting in front of a computer. Nonetheless, the I.M.F is awash in paper, and Sellen and Harper wanted to find out way. Their answer is that the business of writing reports --at least at the I.M.F--is an intensely collaborative process, involving the professional judgments and contributions of many people. The economists bring drafts of reports to conference rooms, spread out the relevant pages, and negotiate changes with one other. They go back to their offices and jot down comments in the margin, taking advantage of freedom offered by the informality of the handwritten note. Then they deliver the annotated draft to the author in person, taking him, page by page, through the suggested changes. At the end of the process, the author spreads out all the pages with comments on his desk and starts to enter them on the computer--moving the pages around as he works, organizing and reorganizing, Saving and discarding.C Without paper, this kind of collaborative, iterative work process would be muchmore difficult. According to Sellen and Harper, paper has a unique set of"affordances"--that is, qualities that permit specific kind of uses. Paper istangible: we can pick up a document, flip through it, read little bits here andthere, and quickly get a sense of it. Paper is spatially flexible, meaning that we can spread it out and arrange it in the way that suits us best. And it's tailorable: we can easily annotate it, and scribble on it as we read, without altering theoriginal text. Digital documents, of course, have their own affordances. They can be easily searched, shared, stored, accessed remotely, and linked to other relevant material. But they lack the affordances that really matter to a group workingtogether on a report.D Paper enables a certain kind of thinking, for instance, the top of your desk.Chances are that you have a keyboard and a computer screen off to one side, anda clear space roughly eighteen inches square in front of your chair. What coversthe rest of the desktop in probably piles--piles of papers journals, magazines, binders, postcards, videotapes, and all the other artifacts of the knowledge economy. The piles look like a mess, but they aren't. When a group at AppleComputer studied piling behavior several years ago, they found that even the most disorderly piles usually make perfect sense to the piler, and office workers could hold forth in great detail about the precise history and meaning of their piles. The pile closest to the cleared, eighteen-inch-square working area, for example, generally represents the most urgent business, and within that pile the most important document of all is likely to be at the top. Piles are living, breathing archives. Over time, they get broken down and resorted, sometimes chronologically and sometimes thematically and sometimes chronologically and thematically; clues about certain documents may be physically embedded in the file by, say, stacking a certain piece of paper at an angle or inserting dividers into the stack.E But why do we pile documents instead of filing them? Because piles represent theprocess of active, ongoing thinking. The psychologist Alison Kidd, whose research Sellen and Harper refer to extensively, argues that "knowledge workers"use the physical space of the desktop to hold" ideas which they cannot yet categorize of even decide how they might use." The messy desk is not necessarilya sign of disorganization. It may be a sign of complexity: those who deal withmany unresolved ideas simultaneously cannot sort and file the papers on their desks, because they haven't yet sorted and filed the ideas in their head.F Sellen and Harper arrived at similar findings when they did some consulting workwith a chocolate manufacturer. The people in the firm they were most interested in were the buyers-- the staff who handled the company's relationships with its venders, from cocoa and sugar manufacturers to advertisers. The buyers kept folders(containing contracts, correspondence, meeting notes, and so forth) on every supplier they had dealings with. The company wanted to move the information in those documents online, to save space and money , and make it easier for everyone in the firm to have access to it. That sounds like an eminently rational thing to do. But when Sellen and Harper looked at the folders they discovered that they contained all kinds of idiosyncratic material--advertising paraphernalia, printouts of e-mails, presentation notes, and letters-- much of which had been annotated in the margins with thoughts and amendments and, they write, " perhaps most important, comments about problems and issues with a supplier's performance not intended for the supplier's eyes." The information in each folder was organized--if it was organized at all-- according to the whims ofthe particular buyer. Whenever other people wanted to look at a document, they generally had to be walked through it by the buyer who" owned" it, because it simple wouldn't make sense otherwise. The much advertised advantage of digitizing documents--that they could be made available to anyone, at any time--was illusory: documents cannot speak for themselves. "G This idea that paper facilitates a highly specialized cognitive and social process isa far cry from the way we have historically thought about the stuff. Paper firstbegan to proliferate in the workplace in the late nineteenth century as part of the move toward" systematic management." To cope with the complexity of the industrial economy, managers were instituting company-wide policies and demanding monthly, weekly, or even daily updates from their s ubordinates. Thus was born the monthly sales report, and the office manual and the internal company newsletter. The typewriter took off in the eighteen-eighties, making it possible to create documents in a fraction of the time it had previously taken, and that was followed closely by the advent of carbon paper, which meant that a typist could create ten copies of that document simultaneously.Then the secretary would make ten carbon copies of that schedule and send them out to the stations along your railway line. Paper was important not to facilitate creative collaboration and thought but as an instrument of control.Questions 27-33Reading passage3 has seven paragraphs, A-G.Choose the correct heading for paragraphs A-G from the list of headings below.Write the correct number, i-x, in boxes 27-33 on your answer sheet.List of headingsI paper continued as a sharing or managing mustII Inspiring piles can be long habituatediii process that economists used paperiv overview of an unexpected situation: paper survived v comparison between paper and computervi IMF' paperless office seemed to be a waste of papers vii example of failure for avoidance of paper recordviii advantages of using a paper in officesix piles reflect certain characteristics in people' thought x joy of having the paper square in front of computer27paragraph A28paragraph B29 paragraph C30 paragraph D31 paragraph E32paragraph F33 paragraph GQuestions 34-36Complete the notes below.Choose NO MORE THAN TWO WORDS from the Passage for each answer. Write your answers in boxes 34-36on your answer sheet.Compared with digital documents, paper has several advantages. First it allows clerks to work in a ___34___ way among colleagues. Next, paper is not like virtual digital versions, it's__35___ Finally, because it is __36__, note or comments can be effortlessly added as related information.Questions 37-40Choose the correct letter, A, B, C or D.Write the correct letter in boxes 37-40 on your answer sheet.37 What do the economists from IMF say that their way ofdocuments?A they note their comments for pleasureB they finish individuallyC they share authorshipD they use electronic version fully38 What is the implication of the "Piles" mentioned in the passage?A they have underlying ordersB they are necessarily a messC they are in time sequence orderD they are in alphabetic order39 What does the manage r believe in sophisticated economy?A recorded paper as management toolB strict supervision in compulsoryC Teamwork is the most importantD monthly report is the best way40 According to the end of this passage, what is the reason why paper is not replaced by electronic vision?A paper is inexpensive to buyB it contributed to management theories in western countriesC people need time for changing their old habitD Paper is a significant medium for supervision题目答案27 iv28 iii29 viii30 ii31 ix32 vii33 i34 flexible35 tangible36 tailorable37 C38 A39 A40 DYou should spend about 20 minutes on Question 1-13, which are based on Reading Passage 1 on the following pages.Traditional Farming Practice in TanzaniaA By tradition land in Luapula is not owned by individuals, but as in manyother parts of Africa is allocated by the headman or headwoman of avillage to people of either sex, according to need. Since land isgenerally prepared by hand, one ulupwa cannot take on a very largearea; in this sense land has not been a limiting resource over large parts ofthe province. The situation has already changed near the main townships, and there has long been a scarcity of land for cultivation in the Valley. In these areas registered ownership patterns are becoming prevalent.B Most of the traditional cropping in Luapula, as in the Bemba area to theeast,is based on citemene, a system whereby crops are grown on the ashes of tree branches. As a rule, entire trees are not felled, but are pollarded so that they can regenerate. Branches are cut over an area of varying size early in the dry season, and stacked to dry over a rough circle about a fifth to a tenth of the pollarded area. The wood is fired before the rains and in the first year planted with the African cereal finger millet (Eleusine coracana). The grain of this crop is used to brew local beers such as cipumu, which contribute several vitamins of the B complex to peoples' diet. Cipumu is also used in cementing reciprocal working relationships.C During the second season, and possibly for a few seasons more the area isplanted to variously mixed combinations of annuals such as maize, pumpkins(Telfiria occidentalis) and other cucurbits, sweet potatoes, groundnuts, Phaseolus beans and various leafy vegetables, grown with a certain amount of rotation. The diverse sequence ends with cassava, which is often planted into the developing last-but-one crop as a relay.D Richards observed that the practice of citemene entails a definite division oflabour between men and women. A man stakes out a plot in an unobtrusive manner, since it is considered provocative towards one's neighbours to mark boundaries in an explicit way. The dangerous work of felling branches is the men's province, and involves much pride. Branches are stacked by the women, and fired by the men. Formerly women and men cooperated in the planting work, but the harvesting was always done by the women. At the beginning of the cycle little weeding is necessary, since the firing of the branches effectively destroys weeds. As the cycle progresses weeds increase and nutrients eventually become depleted to a point where further effort with annual crops is judged to be not worthwhile: at this point the cassava is planted, since it can produce a crop on nearly exhausted soil.Thereafter the plot is abandoned, and a new area pollarded for the next。
黑龙江公务员考试行测类比推理专项强化真题试卷2(题后含答案及解析)
黑龙江公务员考试行测类比推理专项强化真题试卷2(题后含答案及解析)题型有：1.1．食物：食品A．拘泥：拘谨B．达到：到达C．发挥：发扬D．矿产：矿石正确答案：D解析：食物和食品涵义相近；矿产和矿石涵义也相近，且都是名词。
2．( )对于领航相当于规则对于( )A．航班；选手B．航标；犯规C．导航；比赛D．航线；裁判正确答案：D解析：依据航线领航；依据规则裁判。
故答案选D。
3．发动机：飞机：旅客A．琴键：钢琴：音乐B．电池：手电筒：灯光C．发条：钟表：时间D．杆秤：秤杆：重量正确答案：C解析：发动机是飞机的动力来源，飞机运载旅客；发条是钟表的动力来源，钟表显示时间。
故答案选C。
4．寺院：佛像：游客A．商场：商品：顾客B．画廊：展品：观众C．城市：公园：市民D．学校：黑板：学生正确答案：B解析：游客到寺院中参观佛像；观众到画廊里参观展品。
两者都是具有观赏性质的。
而A项的商品是可以用金钱购买的。
5．团扇：羽毛扇：舞蹈扇A．宣纸：餐巾纸：铜版纸B．圈椅：实木椅：办公椅C．排球：羽毛球：乒乓球D．墨镜：老花镜：显微镜正确答案：B解析：团扇和圈椅的名称和其形状有关，羽毛扇和实木椅的名称和其材料有关，舞蹈扇和办公椅的名称和其功能有关。
故本题选B。
6．沟通：手机：金属A．招聘：面试：简介B．卫星：科技：科学家C．物流：运输：公路D．露营：帐篷：帆布正确答案：D解析：手机可以用来沟通，手机的材质可以是金属的；帐篷可以用来露营，帐篷的材质可以是帆布的。
故答案选D。
7．火药：鞭炮：二踢脚A．乌铁：刀具：三棱刀B．红砖：建筑：四合院C．清水：白酒：五粮液D．杉木：乐器：六弦琴正确答案：C解析：制造鞭炮离不开火药，二踢脚是鞭炮的一种；制造白酒离不开清水，五粮液是白酒的一种。
故本题选C。
8．仪态万方：美丽多姿A．风度翩翩：富富有余B．腰缠万贯：富甲一方C．其貌不扬：荣华富贵D．仪表堂堂：身无长物正确答案：B解析：仪态万方和美丽多姿都是形容容貌体态各方面都很美的，腰缠万贯和富甲一方都是形容非常富有。
全国计算机等级考试二级Python真题及解析2图文word
全国计算机等级考试二级Python真题及解析2图文word一、选择题1．已知字符串a="python"，则a[1]的值为（）A．"p" B．"py" C．"Py" D．"y"2．关于python发布代码及安装使用代码，下列说法错误的是（）A．创建一个文件夹mymodule，其中包含mymodule.py和setup.py（包含发布的元数据）两个文件B．在DOS命令行中打开mymodule所在的目录，使用“python setup.py sdist”命令构建发布文件C．已经构建发布的模块必须先导入程序，然后才能使用。
导入时只能使用语句“import mymodule”，不可以用“from mymodule import *”D．下载安装，使用“python setup.py install”命令安装到你的Python本地副本中3．Python的关系运算符中，用来表示不等于的符号是（）A．= = B．！= C．>= D．<=4．已知字符串a="python"，则a[ 1 : 3 ]的值为（）A．"pyth" B．"pyt" C．"py" D．"yt"5．下列可以作为python变量名的是( )A．'a1' B．6keyC．False D．i_f6．运行下列Python程序i=1s=1while ①:s=s*ii+=2print(s)当输出结果为105时，则①处应填入（）A．i<=7 B．i<7 C．i>=7 D．i>77．解释性语言是指源代码不要求预先进行编译，在运行时才进行解释再运行，以下哪一种程序设计语言属于解释性语言（）。
A．Python B．C++ C．VB D．C8．下列有关于print命令的描述中，正确的是（）A．在打印机里打印相关的文本或者数字等B．可以用来画图C．在屏幕中输出相应的文本或者数字等D．执行语句print（“python”，3.7）时会出错9．有如下python程序段：a="Doing is better than saying ."print(r"\n"+a[ :15])该程序运行后，输出的结果是（）A．直接输出：' \nDoing is better 'B．直接输出：\nDoing is better thC．直接输出：\nDoing is betterD．先换行，然后在新的一行中输出：Doing is better10．把数式写成Python语言的表达式，下列书写正确的是（）。
2010年真题-2(解析版)[1](20120416)
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1
2010 年成人高等教育本科毕业生申请学士学位外语考试
A. prove
B. convince
C. persuade
D. argue
【解析】考查动词。Convince sb. of sth.使信服；persuade sb. to do sth.说服某人做某事；argue 争论
【答案】B
C. point
D. meaning
【解析】考查固定搭配。There is no point in doing sth. 做某事无意义。
【答案】C
【翻译】抱怨工作条件毫无意义，经理不会再听了。
40. I have no objection(反对) ________ your design for the new type of machine this time.
【翻译】2012 年底竣工的学校新大楼可以容纳 2000 多名学生。
37. She _______ tell white lies to make people feel better, to smooth things over(使事情顺利).
A. is prone to B. is subject to C. is prior to
D. were they to arrive
【解析】考查 no sooner…than…结构。No 置于句首，需使用倒装语气；时态用过去完成时。
【答案】B
【翻译】他们刚到大剧院就开始下雨啦。
25. Each car sold in this specialized(专门的) shop comes with a one-year ________.
【翻译】这个学生努力使老师相信他的诚实。
新HSK考试二级真题含听力材料和答案2
Tā hái zài jiàoshì li xuéxí．
例如： 他 还 在 教室 里 学习 。
E
Tā hěn dà， néng zuò yìqiān duō rén．
51． 它 很 大 ， 能 坐 一千 多 人 。
Jīntiān zhēn lěng， yǒu líng xià
Zuǒbian nàge hóngsè de shì wǒ de．
女： 左边 那个 红色 的 是 我 的 。
Xiǎo Wáng de bēizi shì shénme yánsè de？
问： 小 王 的 杯子 是 什么 颜色 的 ？
hóngsè
A 红色 √
hēisè
B 黑色
báisè
C 白色
21． 22． 23． 24． 25． 26． 27． 28． 29． 30．
例如： 现在 是 11 点 30 分 ， 他们 已经 游了 20 分钟 了 。
Tāmen diǎn fēn kāishǐ yóuyǒng．
★ 他们 11 点 10 分 开始 游泳 。
（√）
Wǒ huì tiàowǔ， dàn tiào de bù zěnmeyàng．
我 会 跳舞 ， 但 跳 得 不 怎么样 。
丈夫 的 ， 旁边 那个 小 的 是 孩子 的 房间 。
Wǒmen de fángjiān bǐ háizi de dà．
★ 我们 的 房间 比 孩子 的 大 。
（）
Wǒ bàba bú ài hē kāfēi， tā xǐhuan hē chá， měi tiān shàngwǔ dōu huì
47．我 爸爸 不 爱 喝 咖啡 ，他 喜欢 喝 茶 ， 每 天 上午 都 会
试题2(含答案)
模拟真题（第二套）1、在分红保险中，当采用固定死亡率时，其不列入分红保险账户的收支项目包括（）等。
A、佣金支出B、附加保费收入C、死亡保费收入D、管理费用支出2、在人寿保险经营过程中，与均衡保费定期保险相比，保费递增定期保险的退保率所表现出来的规律是（）。
A、均衡保费定期保险的退保率高于保费递增定期保险的退保率B、均衡保费定期保险的退保率等于保费递增定期保险的退保率C、均衡保费定期保险的退保率低于保费递增定期保险的退保率D、均衡保费定期保险的退保率高于或等于保费递增定期保险的退保率3、某定期生存保险的被保险人在领取生存保险金时，保险人发现其投保年龄小于实际年龄，按照我国保险法的有关规定，保险人的正确处理方法是（）。
A、增加保险金给付额B、减少保险金给付额C、退还多收保险费D、收取少交保险费4、在分红保险中，定价的精算假设一般比较保守。
就利率因素来看，“保守”表现为（）。
A、增大预定利率B、减小预定利率C、增大实际利率D、减小实际利率5、某定期死亡保险的被保险人死亡时，保险人发现其投保年龄小于实际年龄（假定该被保险人的死亡原因属于保险责任），则保险人的正确处理方法是（）。
A、增加保险金给付额B、减少保险金给付额C、退还多收保险费D、收取少交保险费6、在分红保险中，定价的精算假设一般比较保守。
就费用率因素来看，“保守”表现为（）。
A、增大实际费用率B、减小预定费用率C、增大预定费用率D、减小实际费用率7、在团体人寿保险中，被保险人的保险金额是依据同意的标准制定的，雇主或雇员均无权予以增减，主要目的（）A、防止道德风险发生B、保证公平合理结果C、消除逆选择行为D、简化承保理赔手续8、王某投保人身意外伤害保险一份，保险金额为50万元，保险期限为2001年1月1日至2002年1月1日，且合同规定的责任期限为180天。
王某于2001年11月1日遭受意外伤害事故，于2003年3月1日治疗结束，并被鉴定为痊愈，即没有伤残程度，此前，王某曾于遭受伤害后的第180天做了同样的伤残签定，那时的伤残程度为90%。