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问题 单项选择题

年利率为6%，每季度计息一次，若10年内每季度都能得到500元，则现在应存款 ( )元。

A．12786

B．13469

C．14958

D．15 697

答案

参考答案：C

解析：
根据P=A[(1+i)n-1]/[i(1+i)n]，本题A=500，计息期末一个季度的有效利率为i=6%/4=1.5%，计息期数n=4×10=40，则P=500[(1+1.5%)40-1]/ [1.5%(1+1.5%)40]=14958(元)。

多项选择题

正是因为（），导致设备监理工程师在索赔中地位具有多位性。

A.设备监理工程师受业主任命和委托，履行设备工程合同职责，设备监理工程师代理行为中的过错和不当，造成承包商损失的，可能引发承包商索赔，在此情况下，设备监理工程师处于当事人的地位

B.在索赔争端提起裁决、仲裁或诉讼程序时，由于设备监理工程师了解索赔事件过程，并有义务说明事实情况，因此处于证人地位

C.设备监理工程师是经注册的专业执业人员

D.在授权范围内，设备监理工程师签发付款证书权

E.根据设备工程合同通用条件，设备监理工程师对业主和承包商发生的索赔纠纷具有确认和处理的权力，在此，设备监理工程师处于第三方公正裁决人的地位
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单项选择题

What’s your earliest childhood memory Can you remember learning to walk Or talk The first time you heard thunder or watched a television program Adults seldom (1) events much earlier than the year or so before entering school, (2) children younger than three or four (3) retain any specific, personal experiences.

A variety of explanations have been (4) by psychologists for this "childhood amnesia". One argues that the hippo-campus; the region of the brain which is (5) for forming memories, does not mature until about the age of two. But the most popular theory (6) that, since adults don’t think like children, they cannot (7) childhood memories. Adults think in words, and their life memories are like stories or (8) one event follows (9) as in a novel or film. But when they search through their mental (10) for early childhood memories to add to this verbal life story, they don’t find any that fit the (11) . It’s like trying to find a Chinese word in an English dictionary.

Now psychologist Annette Simms of the New York State University offers a new (12) for childhood amnesia. She argues that there simply aren’t any early childhood memories to (13) . According to Dr. Simms, children need to learn to use someone else’s spoken description of their personal (14) in order to turn their own short-term, quickly forgotten (15) of them into long-term memories. In other (16) , children have to talk about their experiences and hear others talk about (17) --Mother talking about the afternoon (18) looking for seashells at the beach or Dad asking them about their day at Ocean Park. Without this (19) reinforcement, says Dr. Simms, children cannot form (20) memories of their personal experiences.

Notes: childhood amnesia 儿童失忆症。

（3）（）

A.largely

B.rarely

C.merely

D.really
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