问题 填空题

禾本科谷实籽实的种子构造主要为()、糊粉层、胚乳、胚芽四部分。

答案

参考答案:种皮

单项选择题


假设程建国先生与王子玲小姐是你的新客户,目前正面临职业生涯与家庭上的转变,需要金融理财师协助规划。经过初步沟通面谈后,你获得了以下家庭、职业与财务信息:
一、案例成员
家庭成员年龄职业身体状况
程建国42岁某报社记者
王子玲37岁某企业企划部经理
程果12岁初中一年级学生
二、收支情况
1.收入情况:程先生每月税前收入7500元,已有11年的工作年资;程太太目前每月税前收入为8000元,已有6年年资。
2.支出情况:每月平均生活费用5000元,每年学杂费14000元(不含贷款)。
三、资产负债状况
1.程先生:9年前,程先生以二十年按揭房贷的方式购买一栋房子,购买时房子总价780000元,七成新,目前现值为1000000元,仍有贷款余额235000元。另有30000元储蓄存款、56000元股票(现值,成本价为30000元)与市值70000元的汽车一部。程先生当初曾申请55000元的个人信用贷款,每月还款金额为5000元,12个月还清。
2.程太太:4年前,程太太有一间以二十年按揭方式购买市值650000元的房子,目前市场价格800000元,现已出租,每月租金收入2000元。另外程太太还有银行储蓄存款10000元、定期存款120000元,60000元股票型基金(现值,成本价为37000元)。每年税后利息收入为2500元。
四、保险情况
程先生和程太太除社保外,尚未投保任何商业保险。
五、理财目标
1.教育规划:儿子在国内念大学,在国外读两年硕士,年支出现值大学20000元,留学200000元;
2.退休规划:程家夫妇均期望60岁退休,退休生活费为每月现值5000元。夫妻皆在80岁终老;
3.换车规划:希望三年后换一部现值150000元的汽车。
六、假设条件
1.贷款利率6%,通货膨胀率3%,学费成长率5%,房贷利率7%,车价零成长,换车时残值率为10%。
2.收入成长率3%,不考虑三险一金因素,社会保险基本养老金为该地方平均工资的20%,程建国所在地区当前平均工资为3000元,即养老金为600元。
3.假设工资收入的免税额为每月2000元,应税养老金为收入超过5000元不足20000元部分的边际税率为20%,速算扣除额为375元。
七、附表(表1、表2)
                     表1 家庭资产负债表 (单位:元)
资产科目资产(以成本计)资产(以市场值计)负债科目负债金额
人民币银行活存4000040000房产投资贷款(妻)406778
人民币银行定存120000120000自用房地贷款235000
国内股票A3000056000自用带连55000
国内股票基金A3700060000负债合计696778
房产投资A650000800000净值((以成本计)1030222
自用房地产7800001000000净值((以市场值计)1414222
自用汽车7000035000
总资产17270002111000

                     表2 家庭年收支表 (单位:元)
收入科目本人收入配偶收入支出科目支出金额
税前薪资收入家计支出-生活费用60000
所得税支出学杂费14000
税后工作收入合计家计支出-合计74000
利息股息收入2500房袋1利息支出15984
资本利得收入24000房袋2利息支出28021
家庭理财收入合计26500个人信用贷款利息支出5000
个人总收入利息支出合计49005
家庭总收入家庭支出合计123005
家庭储蓄
其中:用于减少负债79019
自用储蓄

程先生个人信用贷款的年利率为( )。(取最接近的数)

A.14.38%

B.15.38%

C.16.38%

D.17.38%

阅读理解

Many people have never heard of Mesothelioma and are unaware of its symptoms. Although considered a rare form of cancer, each year the number of cases grows. With the prevalence(流行)of this disease on the rise, it is critical to understand why and how Mesothelioma develops and what courses of action can be taken in the event of diagnosis. The following is a list of frequently asked questions and answers that will provide you with some information on Mesothelioma, and the legal issues surrounding it.

What is Mesothelioma?

Mesothelioma is the term used to describe a cancerous tumor found in the mesothelial cells of an organ. The organs where this form of cancer is most commonly found are the lungs, heart and abdominal organs. Pleural Mesothelioma is cancer of the lung lining(组织,膜)and is the most common form of Mesothelioma.

What causes Mesothelioma?

Mesothelioma is almost always caused by exposure to asbestos(石棉). Asbestos is often found in building materials used before the mid 1970's. In addition, materials such as pipes, boiler insulation, floor, ceiling and roof tiles may contain asbestos.

How much asbestos exposure will cause Mesothelioma?

Generally, the probability of developing this form of cancer is in accordance with the length of time you are exposed to asbestos. Also, your health is at risk if your exposure to asbestos is intense. It should be noted that Mesothelioma has a latency(潜伏)period of 20 to 50 years. This means that you may develop the disease long after your exposure to asbestos. On average, people tend to develop Mesothelioma somewhere between 35 and 40 years after exposure.

How quickly does Mesothelioma progress?

The onset of Mesothelioma is quite slow. Patients will begin to experience symptoms such as lower back pain and chest pain. These symptoms may also be accompanied by weight loss, fever and difficulty breathing. Unfortunately, once Mesothelioma develops, it quickly becomes aggressive and treatment must be sought immediately.

Can Mesothelioma be treated?

Doctors are able to use several traditional methods of cancer treatment for Mesothelioma, including surgery, chemotherapy and radiation. Like all forms of cancer, detecting the disease at the earliest stage possible greatly increases the patient's chances for survival. If you have worked in an industry such as construction or suspect that you may have been exposed to asbestos, be alert for symptoms and contact your doctor immediately.

What legal courses of action can be taken?

Anyone suffering from Mesothelioma is entitled to compensation from asbestos manufacturers. Additionally, if you are the spouse or child of someone who has died from Mesothelioma, you are entitled to file a claim and seek compensation.

小题1:The authors intends to _______.

A.tell the readers how important it is to know more about Mesothelioma.

B.provide more information about Mesothelioma

C.give advice on how tto avoid developing Mesothelioma

D.tell the readers how terrible Mesothelioma is小题2:We can learn from the text that _______.

A.Asbestos is to blame for Mesothelioma.

B.Even if a person is exposed to asbestos for a while, he will die soon.

C.All the employees can ask for compensation from asbestos manufacturers.

D.Mesothelioma is a cancer familiar to many people.小题3:The following are the symptoms of Mesothelioma EXCEPT ______.

A.frequent headache

B.lower back pain

C.chest pain

D.difficult breathing小题4:Which of the following would be the best title for the text?

A.Terrible Mesothelioma

B.Mesothelioma is around us

C.Frequently Asked Questions About Mesothelioma

D.Mesothelioma in on the rise小题5:If you work in an industry exposed to asbestos, you should ________.

A.give up the job immediately

B.ask for a rise from your boss

C.file a claim and seek compensation

D.go to hospital and have your body examined