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飞龙公司于2000年成立，其主要业务是生产并对外出口各种玩具。公司的总资产为5000万元，其中包括4座总价值1000万元的厂房，目前正在使用。公司要在新开发区中建设新厂房，此项工程已经开工，并将于2010年底完工。公司投保了企业财产保险综合险、机器损坏保险和利润损失保险。公司于2007年购买了一批广州本田车，每辆价值25万元。在购买这批车时，公司为每辆车都办理了车辆损失险和全车盗抢险。2009年飞龙公司在非洲A国投资200万美元建厂，为预防政治风险损失，及时向某保险公司投保投资保险，保额为投资额的80%。飞龙公司有员工1000多名，其中包括了年轻力壮者和年迈多病者。2006年初，公司为全体员工购买了团体人寿保险、团体人身意外伤害保险附加停工保险。约定停工保险的责任期限的终止日为保险合同结束后的1个月。为了转移因雇员的不诚实行为而使公司遭受损失的风险，公司还投保了雇员忠诚保证保险。公司老板龙某为其重要雇员张三投保了雇主责任保险，期限为二年。张三的年薪为12万元，因其工作有可能会危及他的人身健康，保单规定死亡和伤残的最高赔偿限额分别为36个月和48个月的工资，并有5天的免赔额的规定。

若雇员张三的保险费率为1%，按规定龙某应预付1200元保费，但到第二年期满时张三的实际年薪已降为10万元，则保险公司（）。

A.不需要退还保费

B.需要退还保费100元

C.需要退还保费200元

D.需要退还保费400元

答案

参考答案：C

单项选择题

The current political debate over family values personal responsibility, and welfare takes for granted the entrenched American belief that dependence on government assistance is a recent and destructive phenomenon. Conservatives tend to blame this dependence on personal irresponsibility aggravated by a swollen welfare apparatus that saps individual initiative. Liberals are more likely to blame it on personal misfortune magnified by the harsh lot that falls to losers in our competitive market economy. But both sides believe that "winners" in America make it on their own that dependence reflects some kind of individual or family failure, and that the ideal family is the self-reliant unit of traditional lore--a family that takes care of its own, carves out a future for its children, and never asks for handouts. Politicians at both ends of the ideological spectrum have wrapped themselves in the mantle of these "family values" arguing over why the poor have not been able to make do without assistance, or whether aid has exacerbated their situation, but never questioning the assumption that American families traditionally achieve success by establishing their independence from the government.
The myth of family self-reliance is not compelling that our actual national and personal histories often buckle under its emotional weight. "We always stood on our own two feet", my grandfather used to say about his pioneer heritage, whenever he walked me to the top of the hill to survey the property in Washington State that his family had bought for next to nothing after it had been logged off in the early 1900s. Perhaps he didn’t know that the land came so cheap because much of it was part of a federal subsidy originally allotted to the railroad companies, which had received 183 million acres of the public domain in the nineteenth century. These federal giveaways were the original source of most major western logging companies’ land, and when some of these logging companies moved on to virgin stands of timber, federal lands trickled down to a few early settlers who were able to purchase them inexpensively.
Like my grandparents, few families in American history--whatever their "values" have been able to rely solely on their own resources. Instead, they have depended on the legislative, judicial and social support structures set up by governing authorities, whether those authorities were the clan elders of Native American societies, the church courts and city officials of colonial America, or the judicial and legislative bodies established by the Constitution.
At America’s inception, this was considered not a dirty little secret but the norm, one that confirmed our social and personal interdependence. The idea that the family should have the sole or even primary responsibility for educating and socializing its members, finding them suitable work, or keeping them from poverty and crime was not only ludicrous to colonial and revolutionary thinkers but dangerously parochial.

The word "parochial" in the last paragraph means ______.

A．minble

B．absurd

C．insular

D．liberal
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单项选择题

对职务进行重新设计取得成功的关键之一是：

A．建立拥有自主权的工作团队。
B．通过增加与所从事的工作相似的任务来扩大工作内容。
C．实行职务轮换，使员工工作多样化。
D．改变工作内容，以满足员工自身发展的需要。
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