问题 单项选择题

平安险是中国人民保险公司海洋货物运输保障的主要险别之一。下列哪一损失不能包括在平安险的责任范围之内( )。

A.被保险货物在运输途中由于自然灾害造成的全部损失

B.被保险货物在运输途中由于自然灾害造成的部分损失

C.共同海损的牺牲、分摊

D.共同海损的救助费用

答案

参考答案:B

解析:平安险的英文意思为“单独海损不赔”。其责任范围主要包括:(1)被保险货物在运输途中由于恶劣气候、雷电、海啸、地震、洪水等自然灾害造成的整批货物的全部损失或推定全损。(2)由于运输工具遭受搁浅、触礁、沉没、互撞、与流冰或其他物体碰撞以及失火、爆炸等意外事故造成货物的全部或部分损失。(3)在运输工具已经发生搁浅、触礁、沉没、焚毁等意外事故的情况下,货物在此前后又在海上遭受恶劣气候、雷电、海啸等自然灾害所造成的部分损失。(4)在装卸或转运时由于一件或数件整件货物落海造成的全部或部分损失。(5)被保险人对遭受承保责任内危险的货物采取抢救、防止或减少货损的措施而支付的合理费用,但以不超过该批被救货物的保险金额为限。(6)运输工具遭遇海难后,在避难港由于卸货所引起的损失以及在中途港,避难港由于卸货、存仓以及运送货物所产生的特别费用。(7)共同海损的牺牲、分摊和救助费用。(8)运输合同中订有“船舶互撞责任”条款,根据该条款规定应由货方偿还船方的损失。由上可知,本题选B。

单项选择题
单项选择题

Largely for "spiritual reasons", Nancy Manos started home-schooling her children five years ago and has studiously avoided public schools ever since. Yet last week, she was enthusiastically enrolling her 8-year-old daughter, Olivia, in sign language and modern dance classes at Eagleridge Enrichment—a program run by the Mesa, Ariz. , public schools and taught by district teachers. Manos still wants to handle the basics, but likes that Eagleridge offers the extras, "things I couldn’t teach. " One doubt, though, lingers in her mind. why would the public school system want to offer home-school families anything

A big part of the answer is economics. The number of home-schooled kids nationwide has risen to as many as 1.9 million from an estimated 345,000 in 1994, and school districts that get state and local dollars per child are beginning to suffer. In Maricopa County, which includes Mesa, the number of home-schooled kids has more than doubled during that period to 7,526, at about $ 4,500 a child, that’s nearly $ 34 million a year in lost revenue.

Not everyone’s happy with these innovations. Some states have taken the opposite tack. Like about half the states, West Virginia refuses to allow home-schooled kids to play public-school sports. And in Arizona, some complain that their tax dollars are being used to create programs for families who, essentially, eschew participation in public life. "That makes my teeth grit," says Daphne Atkeson, whose 10-year-old son attends public school in Paradise Valley. Even some committed home-schoolers question the new programs, given their central irony., they turn home-schoolers into public-school students, says Bob Parsons, president of the Alaska Private and Home Educators Association. "We’ve lost about one third of our members to those programs. They’re so enticing. "

Mesa started Eagleridge four years ago, when it saw how much money it was losing from home schoolers—and how unprepared some students were when they re-entered the schools. Since it began, the program’s enrollment has nearly doubled to 397, and last year the district moved Eagleridge to a strip mall (between a pizza joint and a laser-tag arcade). Parents typically drop off their kids once a week; because most of the children qualify as quarter-time students, the district collects $ 911 per child. "It’s like getting a taste of what real school is like," says 10-year-old Chad Lucas, who’s learning computer animation and creative writing.

Other school districts are also experimenting with novel ways to court home schoolers. The town of Galena, Alaska, (pop. 600) has just 178 students. But in 1997, its school administrators figured they could reach beyond their borders. Under the program, the district gives home-schooling families free computers and Internet service for correspondence classes. In return, the district gets $ 3,100 per student enrolled in the program—$ 9.6 million a year, which it has used partly for a new vocational school. Such alternatives just might appeal to other districts. Ernest Felty, head of Hardin County schools in southern Illinois, has 10 home-schooled pupils. That may not sound like much— except that he has a staff of 68, and at $ 4,500 a child, "that’s probably a teacher’s salary," Fehy says. With the right robotics or art class, though, he could take the home out of home schooling.

The public school system wants to offer home-school families something, because()

A. it does not want to lose much money from the increasing home-schoolers

B. home-schoolers have some difficulty in getting some particular knowledge

C. home-schoolers are eager to have a taste of what a real school is like

D. it has the responsibility to help the home-schoolers