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问题 单项选择题

孔某为自己投保了以死亡为给付条件的人身保险合同，受益人为其二子。后幼子不孝，时常打骂孔某，孔某遂决定取消幼子的受益权，但未通知保险公司，只是在遗嘱中写明。后孔某因意外事故死去。在继承保险金一项上，二子发生争议，则保险金应当由谁来承担( )

A．长子。因为幼子的受益权被取消

B．长、幼二子。因为孔某未通知保险公司变更受益人

C．孔某所有的法定继承人

D．由保险公司决定向谁支付保险金

答案

参考答案：B

解析：[考点] 人身保险合同中的受益人 《保险法》第63条规定：“被保险人或者投保人可以变更受益人并书面通知保险人。保险人收到变更受益人的书面通知后，应当在保险单上批注。投保人变更受益人时须经被保险人同意。”可见，本案中，孔某变更受益人并未通知保险公司。所以，受益人仍为两个儿子。B对。

单项选择题 A3/A4型题

明胶与银离子相互作用，生成一种不稳定的银胶络合物。明胶加热时该络合物分解，生成了银及硫化银，它们聚集在溴化银晶体的缺陷和位错的部位上，构成了感光中心。明胶能吸收卤化银在感光时产生的卤原子，以防止卤原子与银原子的重新化合，因而相对地提高了感光度。明胶可以包围卤化银晶体，使它们彼此不直接接触，并能均匀涂布在片基上，不沉淀、不结块，保护了未感光卤化银晶体不被显影。明胶膨胀后具有多孔性，可使较小分子通过。明胶具有热熔冷凝的特性。明胶黏性很强，使乳剂牢固地黏着在片基上。明胶参与坚膜作用。

下列叙述错误的是（）

A.明胶能提高感光度

B.明胶是吸卤剂

C.明胶不参与坚膜作用

D.明胶热熔冷凝

E.明胶可保护未感光卤化银
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填空题

What is distance learning It means that you study on your own, at home or wherever suits you. Recently, the world famous Open University in the United Kingdom has designed a new style of distance learning, which is called (1) . The phrase "Open Learning" means you study (2) . You read course material, work on course activities, and write (3) . The word "Supported" means you have help (4) , the student services staff at regional centres, and centralized areas such as (5) . You can also contact other students through tutorials and (6) , the University’s online conferencing system, and events and clubs organized by (7) . Most distance learning courses use printed paper materials. They also include some (8) materials such as a CD, DVD or video. Many courses have a web site and an (9) . You’ll need access to a computer (10) to make use of these. The Open University can help its students buy a computer and (11) the cost of accessing the Internet.

With most distance learning courses, no (12) are required to study. of course, you have to be aged 18 when your course starts but there is no (13) . Currently the Open University has around (14) undergraduate and more than 30,000 postgraduate students, of which 10,000 have (15) . Nearly all students are studying (16) . About 70 per cent of undergraduate students are in (17) . More than 50,000 students (18) by their employers for their studies. Most distance learning courses (19) . Some of them are even available in other parts of the world. With over 25,000 of its students living outside the UK, the Open University is the (20) that offers distance learning throughout the world.

15（）
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