Chapter_12
国际商务 Chap12 中文翻译
International Business
国际商务
山东经济学院· 国际贸易学院 School of International Trade, Shandong Economic University
Shandong Economic University
Global Expansion, Profitability, And Profit Growth
公司可以经由在国际范围销售本土研发的货物或者服务来 增加成长 公司国际化扩展的成功取决于他们销售的产品或者服务, 以及他们的核心竞争力 (公司里那些其他公司无法轻易匹 敌或模仿的技术) 核心竞争力使得公司减少创造价值的成本和/或创造使得 公司可以获得更好出价的方式的价值
山东经济学院· 国际贸易学院 School of International Trade, Shandong Economic University 1-10
Strategic Positioning
Figure 12.3: Strategic Choice in the International Hotel Industry
山东经济学院· 国际贸易学院 School of International Trade, Shandong Economic University 1-12
Classroom Performance System
Which of the following is not an example of a primary activity? a) Logistics b) Marketing and sales c) Customer service d) Production
鲁滨逊漂流记第十二章岛上探险读后感
鲁滨逊漂流记第十二章岛上探险读后感(中英文实用版)Chapter 12: Adventures on the Island - ReflectionsAfter reading "Robinson Crusoe" Chapter 12, I was deeply impressed by the protagonist"s bravery and resilience.鲁滨逊漂流记第十二章描绘了主人公在荒岛上的探险经历,让我深感他的勇敢与坚韧。
In this chapter, Crusoe embarks on an exploration of the island, during which he discovers various aspects of the natural world, such as the waterfall, the savannah, and the cave.在这一章节中,鲁滨逊对荒岛进行了探险,期间他发现了诸如瀑布、草原和洞穴等多种自然景观。
This journey not only provides him with a better understanding of his surroundings but also strengthens his survival skills.这次旅行不仅让他更了解自己所处的环境,还增强了他的生存技能。
Moreover, Crusoe"s encounter with the native inhabitants of the island, the savages, is a poignant reminder of the dangers he faces.此外,鲁滨逊与荒岛上原著民——野人的遭遇,深刻提醒了他所面临的危险。
Despite the risks, Crusoe"s determination to survive and his resourcefulness are evident throughout the chapter.尽管如此,本章节中鲁滨逊求生的决心和机智随处可见。
语言学第十二章优秀课件(共10张PPT)
The brain is divided into two sections: the lower is brain stem and the higher is cerebrum.
specific parts of the brain, whereas others consider the brain
to function as a unit. However there is a consensus that there
Complex mental activities such as language involve the coordinated functioning of both hemispheres.
It is the cerebral cortex that accounts for the human distinctness in the animal world and the secret of language. Animals have no cortex.
Chapter 12 Language and Brain
categories:the investigation of the brain itself and the Chapter 12 Language and Brain
the dynamics of the human brain D. linguistic lateralization Chapter 12 Language and Brain This shows the cultural transmission nature of language. Human linguistic ability largely depends on_________ The neurons are the basic information processing units of the nervous . Chapter 12 Language and Brain
商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap012
Chapter 12Managing and Pricing Deposit ServicesFill in the Blank Questions1. A(n) _________________________ requires the bank to honor withdrawals immediately uponrequest.Answer: demand deposit2. A(n) _________________________ is an interest bearing checking account and gives the bank theright to insist on prior notice before customer withdrawals can be honored.Answer: Negotiable order of withdrawal (NOW)3. A(n) _________________________ is a short-maturity deposit which pays a competitive interestrate. Only 6 preauthorized drafts per month are allowed and only 3 of these can be by check.Answer: money market deposit account4. _________________________ are designed to attract funds from customers who wish to set asidemoney in anticipation of future expenditures or financial emergencies.Answer: Thrift deposits5. _________________________ are the stable base of deposited funds that are not highly sensitiveto movements in market interest rates and tend to remain with a depository institution.Answer: Core deposits6. Some people feel that everyone is entitled access to a minimum level of financial service no mattertheir income level. This issue is called the issue of _________________________.Answer: basic (lifeline) banking7. _________________________ is a way of pricing deposit services in which the rate or return orfees charged on the deposit account are based on the cost of offering the service plus a profitmargin.Answer: Cost plus pricing8. When financial institutions tempt customers by paying postage both ways in bank-by-mail servicesor by offering free gifts such as teddy bears, they are practicing ___________.Answer: nonprice competition9. The _________________________is the added cost of bringing in new funds.Answer: marginal cost10. _________________________ pricing is where the financial institution sets up a schedule of feesin which the customer pays a low or no fee if the deposit balance stays above some minimum level and pays a higher fee if the balance declines below that minimum level.Answer: Conditional11. When a customer is charged a fixed charge per check this is called __________________ pricing.Answer: flat rate12. When a customer is charged based on the number and kinds of services used, with the customersthat use a number of services being charged less or having some fees waived, this is called__________________ pricing.Answer: relationship13. _________________________ is part of the new technology for processing checks where the banktakes a picture of the back and the front of the original check and which can now be processed as if they were the original.Answer: Check imaging14. A(n) _________________________ is a thrift account which carries a fixed maturity date andgenerally carries a fixed interest rate for that time period.Answer: time deposit15. A(n) _________________________ is a conditional method of pricing deposit services in whichthe fees paid by the customer depend mainly on the account balance and volume of activity.Answer: deposit fee schedule16. The _________________________ was passed in 1991 and specifies the information thatinstitutions must disclose to their customers about deposit accounts.Answer: Truth in Savings Act17. The _________________________ must be disclosed to customers based on the formula of oneplus the interest earned divided by the average account balance adjusted for an annual 365 day year.It is the interest rate the customer has actually earned on the account.Answer: annual percentage yield (APY)18. A(n) _________________________ is a retirement plan that institutions can sell which is designedfor self-employed individuals.Answer: Keogh plan19. Deposit institution location is most important to ______-income consumers.Answer: low20. _____-income consumers appear to be more influenced by the size of the financial institution.Answer: high21.For decades depository institutions offered one type of savings plan. could be opened withas little as $5 and withdrawal privileges were unlimited.Answer: Passbook savings deposits22.CD’s allow depositors to switch to a higher interest rate if market ratesrise.Answer: Bump-up23.CD’s permit periodic adjustm ents in promised interest rates.Answer: Step-up24.CD’s allow the depositor t o withdraw some of his or her funds without awithdrawal penalty.Answer: Liquid25.A(n) , which was authorized by Congress in 1997, allows individuals to makenon-tax-deductible contributions to a retirement fund that can grow tax free and also pay no taxes on their investment earnings when withdrawn.Answer: Roth IRA26.Due to the fact that they may be perceived as more risky, banks generally offer higherdeposit rates than traditional banks.Answer: virtual27. are accounts in domestic banking institutions where the U.S.Treasury keeps most of their operating funds.Answer: Treasury Tax and Loan Accounts (TT&L accounts)28. is a process where merchants and utility companies take theinformation from a check an individual has just written and electronically debits the individual’s account instead of sending the check through the regular check clearing process.Answer: electronic check conversion29.On October 28, 2004, became the law, permitting depository institutions toelectronically transfer check images instead of the checks themselves.Answer: Check 2130.The to the cost plus pricing derives the weighted average cost of all fundsraised and is based on the assumption that it is not the cost of each type of deposit that matters but rather the weighted average cost of all funds that matters.Answer: pooled-funds cost approachTrue/False QuestionsT F 31. The volume of core deposits at U.S. banks has been growing in recent years relative to other categories of deposits.Answer: FalseT F 32. The U.S. Treasury keeps most of its operating funds in TT&L deposits, according to the textbook.Answer: TrueT F 33. Deposits owned by commercial banks and held with other banks are called correspondent deposits.Answer: TrueT F 34. The implicit interest rate on checkable deposits equals the difference between the cost of supplying deposit services to a customer and the amount of the service charge actuallyassessed that customer.Answer: TrueT F 35. Legally imposed interest-rate ceilings on deposits were first set in place in the United States after passage of the Bank Holding Company Act.Answer: FalseT F 36. Gradual phase-out of legal interest-rate ceilings on deposits offered by U.S. banks was first authorized by the Glass-Steagall Act.Answer: FalseT F 37. The contention that there are certain banking services (such as small loans or savings and checking accounts) that every citizen should have access to is usually called socializedbanking.Answer: FalseT F 38. Domestic deposits generate legal reserves.Answer: TrueT F 39. Excess legal reserves are the source out of which new bank loans are created.Answer: TrueT F 40. Demand deposits are among the most volatile and least predictable of a bank's sources of funds with the shortest potential maturity.Answer: TrueT F 41. IRA and Keogh deposits have great appeal for bankers principally because they can be sold bearing relatively low (often below-market) interest rates.Answer: FalseT F 42. In general, the longer the maturity of a deposit, the lower the yield a financial institution must offer to its depositors because of the greater interest-rate risk the bank faces withlonger-term deposits.Answer: FalseT F 43. The availability of a large block of core deposits decreases the duration of a bank's liabilities.Answer: FalseT F 44. Interest-bearing checking accounts, on average, tend to generate lower net returns than regular (noninterest-bearing) checking accounts.Answer: FalseT F 45. Personal checking accounts tend to be more profitable than commercial checking accounts.Answer: FalseT F 46. NOW accouts can be held by businesses and individuals and are interest bearing checking accounts.Answer: FalseT F 47. A MMDA is a short term deposit where the bank can offer a competitive interest rate and which allows up to 6 preauthorized drafts per month.Answer: TrueT F 48. A Roth IRA allows an individual to accumulate investment earnings tax free and also pay no tax on their investment earnings when withdrawn provided the taxpayer follows therules on this new account.Answer: TrueT F 49. Competition tends to raise deposit interest costs.Answer: TrueT F 50. Competition lowers the expected return to a bank from putting its deposits to work.Answer: TrueT F 51. A bank has full control of its deposit prices in the long run.Answer: FalseT F 52. Nonprice competition for deposits has tended to distort the allocation of scarce resources in the banking sector.Answer: TrueT F 53. Deposits are usually priced separately from loans and other bank services.Answer: TrueT F 54. According to recent Federal Reserve data no-fee savings accounts are on the decline.Answer: TrueT F 55. According to recent survey information provided by the staff of the Federal Reserve Board the average level of fees on most types of checking and NOW accounts appear to haverisen.Answer: TrueT F 56. The Truth in Savings Act requires a bank to disclose to its deposit customer the frequency with which interest is compounded on all interest-bearing accounts.Answer: TrueT F 57. Under the Truth in Savings Act customers must be informed of the impact of any early deposit withdrawals on the annual percentage yield they expect to receive from aninterest-bearing deposit.Answer: TrueT F 58. The number one factor households consider in selecting a bank to hold their checkingaccount is, according to recent studies cited in this chapter, low fees and low minimumbalance.Answer: FalseT F 59. The number one factor households consider in choosing a bank to hold their savings deposits, according to recent studies cited in this chapter, is location.Answer: FalseT F 60. Conditionally free deposits for customers mean that as long as the customers do not go above a certain level of deposits there are no monthly fees or per transaction charges.Answer: FalseT F 61. When a bank temporarily offers higher than average interest rates or lower than average customer fees in order to attract new business they are practicing conditional pricing.Answer: FalseT F 62. Web-centered banks with little or no physical facilities are known as ________ banks Answer: TrueT F 63. The total dollar value of checks paid in the United States has grown modestly in recent years.Answer: FalseT F 64. There are still a number of existing problems with online bill-paying services which has limited the growth.Answer: TrueT F 65. The depository institutions which tend to have the highest deposit yields are credit unions.Answer: FalseT F 66. Urban markets are more responsive to deposit interest rates and fees than rural markets.Answer: FalseT F 67. Research indicates that at least half of all households and small businesses hold their primary checking account at a depository institution situated within 3 miles of theirlocation.Answer: TrueMultiple Choice Questions68. Deposit accounts whose principal function is to make payments for purchases of goods andservices are called:A) DraftsB) Second-party payments accountsC) Thrift depositsD) Transaction accountsE) None of the aboveAnswer: D69. Interest payments on regular checking accounts were prohibited in the United States under terms ofthe:A) Glass-Steagall ActB) McFadden-Pepper ActC) National Bank ActD) Garn-St. Germain Depository Institutions ActE) None of the aboveAnswer: A70. Money-market deposit accounts (MMDAs), offering flexible interest rates, accessible forpayments purposes, and designed to compete with share accounts offered by money market mutual funds, were authorized by the:A) Glass-Steagall ActB) Depository Institutions Deregulation and Monetary Control Act (DIDMCA)C) Bank Holding Company ActD) Garn-St.Germain Depository Institutions ActE) None of the aboveAnswer: D71. The stable and predictable base of deposited funds that are not highly sensitive to movements inmarket interest rates but tend to remain with the bank are called:A) Time depositsB) Core depositsC) Consumer CDsD) Nontransaction depositsE) None of the aboveAnswer: B72. Noegotiable Orders of Withdrawal (NOW) accounts, interest-bearing savings accounts that can beused essentially the same as checking accounts, were authorized by:A) Glass-Steagall ActB) Depository Institutions Deregulation and Monetary Control Act (DIDMCA)C) Bank Holding Company ActD) Garn-St. Germain Depository Institutions ActE) None of the aboveAnswer: B74. A deposit which offers flexible money market interest rates but is accessible for spending bywriting a limited number of checks or executing preauthorized drafts is known as a:A) Demand depositB) NOW accountC) MMDAsD) Time depositE) None of the aboveAnswer: C75. The types of deposits that will be created by the banking system depend predominantly upon:A) The level of interest ratesB) The state of the economyC) The monetary policies of the central bankD) Public preferenceE) None of the above.Answer: D76. The most profitable deposit for a bank is a:A) Time depositB) Commercial checking accountC) Personal checking accountD) Passbook savings depositE) Special checking accountAnswer: B77. Some people feel that individuals are entitled to some minimum level of financial services nomatter what their income level. This issue is often called:A) Lifeline bankingB) Preference bankingC) Nondiscriminatory bankingD) Lifeboat bankingE) None of the aboveAnswer: A78. The formula Operating Expense per unit of deposit service + Estimated overhead expense +Planned profit from each deposit service unit sold reflects what deposit pricing method listedbelow?A) Marginal cost pricingB) Cost plus pricingC) Conditional pricingD) Upscale target pricingE) None of the above.Answer: B79. Using deposit fee schedules that vary deposit prices according to the number of transactions, theaverage balance in the deposit account, and the maturity of the deposit represents what deposit pricing method listed below?A) Marginal cost pricingB) Cost plus pricingC) Conditional pricingD) Upscale target pricingE) None of the above.Answer: C80. The deposit pricing method that favors large-denomination deposits because services are free if thedeposit account balance stays above some minimum figure is called:A) Free pricingB) Conditionally free pricingC) Flat-rate pricingD) Upscale target pricingE) Marginal cost pricingAnswer: B81. The federal law that requires U.S. depository institutions to make greater disclosure of the fees,interest rates, and other terms attached to the deposits they sell to the public is called the:A) Consumer Credit Protection ActB) Fair Pricing ActC) Consumer Full Disclosure ActD) Truth in Savings ActE) None of the above.Answer: D82. Depository institutions selling deposits to the public in the United States must quote the rate ofreturn pledged to the owner of the deposit which reflects the customer's average daily balance kept in the deposit. This quoted rate of return is known as the:A) Annual percentage rate (APR)B) Annual percentage yield (APY)C) Daily deposit yield (DDY)D) Daily average return (DAR)E) None of the above.Answer: B83. According to recent studies cited in this book, in selecting a bank to hold their checking accountshousehold customers rank first which of the following factors?A) SafetyB) High deposit interest ratesC) Convenient locationD) Availability of other servicesE) Low fees and low minimum balance.Answer: C84. According to recent studies cited in this chapter, in choosing a bank to hold their savings depositshousehold customers rank first which of the following factors?A) FamiliarityB) Interest rate paidC) Transactional convenienceD) LocationE) Fees charged.Answer: A85. According to recent studies cited in this chapter, in choosing a bank to supply their deposits andother services business firms rank first which of the following factors?A) Quality of financial advice givenB) Financial health of lending institutionC) Whether loans are competitively pricedD) Whether cash management and operations services are provided.E) Quality of bank officers.Answer: B86. A financial institution that charges customers based on the number of services they use and giveslower deposit fees or waives some fees for a customer that purchases two or more services ispracticing:A) Marginal cost pricingB) Conditional pricingC) Relationship pricingD) Upscale target pricingE) None of the aboveAnswer: C87. A bank determines from an analysis on its deposits that account processing and other operatingexpenses cost the bank $3.95 per month. It has also determined that its non operating expenses on its deposits are $1.35 per month. The bank wants to have a profit margin which is 10 percent of monthly costs. What monthly fee should this bank charge on its deposit accounts?A) $5.30 per monthB) $3.95 per monthC) $5.83 per monthD) $5.70 per monthE) None of the aboveAnswer: C88. A bank determines from an analysis on its deposits that account processing and other operatingexpenses cost the bank $4.45 per month. The bank has also determined that nonoperating expenses on deposits are $1.15 per month. It has also decided that it wants a profit of $.45 on its deposits.What monthly fee should this bank charge on its deposit accounts?A) $6.05B) $5.60C) $5.15D) $4.45E) None of the aboveAnswer: A89. A customer has a savings deposit for 45 days. During that time they earn $5 in interest and have anaverage daily balance of $1000. What is the annual percentage yield on this savings account?A) 0.5%B) 4.13%C) 4.07%D) 4.5%E) None of the aboveAnswer: B90. A customer has a savings account for one year. During that year they earn $65.50 in interest. For180 days they have $2000 in the account for the other 180 days they have $1000 in the account.What is the annual percentage yield on this savings account.A) 6.55%B) 3.28%C) 4.37%D) 8.73%E) None of the aboveAnswer: C91.If you deposit $1,000 into a certificate of deposit that quotes you a 5.5% APY, how much will youhave at the end of 1 year?A)$1,050.00B)$1,055.00C)$1,550.00D)$1,005.50E)None of the above.Answer: B92. A bank quotes an APY of 8%. A small business that has an account with this bank had $2,500 intheir account for half the year and $5,000 in their account for the other half of the year. How much in total interest earnings did this bank make during the year?A) $300B) $200C) $400D) $150E) None of the aboveAnswer: A93. Conditional deposit pricing may involve all of the following factors except:A) The level of interest ratesB) The number of transactions passing through the accountC) The average balance in the accountD) The maturity of the accountE) All of the above are usedAnswer: A94.Customers who wish to set aside money in anticipation of future expenditures or financialemergencies put their money inA) DraftsB) Second-party payment accountsC) Thrift DepositsD) Transaction accountsE) None of the aboveAnswer: C95. A savings account evidenced only by computer entry for which the customer gets a monthlyprintout is called:A) Passbook savings accountB) Statement savings planC) Negotiable order of withdrawalD) Money market mutual fundE) None of the aboveAnswer: B96. A traditional savings account where evidenced by the entries recorded in a booklet kept by thecustomer is called:A) Passbook savings accountB) Statement savings planC) Negotiable order of withdrawalD) Money market mutual fundE) None of the aboveAnswer: A97.An account at a bank that carries a fixed maturity date with a fixed interest rate and which oftencarries a penalty for early withdrawal of money is called:A) Demand depositB) Transaction depositC) Time depositD) Money market mutual depositE) None of the aboveAnswer: C98. A time deposit that has a denominations greater than $100,000 and are generally for wealthyindividuals and corporations is known as a:A) Negotiable CDB) Bump-up CDC) Step-up CDD) Liquid CDE) None of the aboveAnswer: A99. A time deposit that is non-negotiable but where the promised interest rate can rise with marketinterest rates is called a:A) Negotiable CDB) Bump-up CDC) Step-up CDD) Liquid CDE) None of the aboveAnswer: B100.A time deposit that allows for a periodic upward adjustment to the promised rate is called a:A) Negotiable CDB) Bump-up CDC) Step-up CDD) Liquid CDE) None of the aboveAnswer: C101.A time deposit that allows the depositor to withdraw some of his or her funds without a withdrawalpenalty is called a:A) Negotiable CDB) Bump-up CDC) Step-up CDD) Liquid CDE) None of the aboveAnswer: D102.What has made IRA and Keogh accounts more attractive to depositors recently?A) Allowing the bank to have FDIC insurance on these accountsB) Allowing the fund to grow tax free over the life of the fundC) Allowing the depositor to pay no taxes on investment earnings when withdrawnD) Requiring banks to pay at least 6% on these accounts to depositorsE) Increasing FDIC insurance coverage to $250,000 on these accountsAnswer: E103.The dominant holder of bank deposits in the U.S. is:A) The private sectorB) State and local governmentsC) Foreign governmentsD) Deposits of other banksE) None of the aboveAnswer: A104.The deposit pricing method absent of any monthly account maintenance fee or per-transaction fee is called:A) Free pricingB) Conditionally free pricingC) Flat-rate pricingD) Marginal cost pricingE) Nonprice competitionAnswer: A105.The deposit pricing method that charges a fixed charge per check or per period or both is called:A) Free pricingB) Conditionally free pricingC) Flat-rate pricingD) Marginal cost pricingE) Nonprice competitionAnswer: C106.The deposit pricing method that focuses on the added cost of bringing in new funds is called:A) Free pricingB) Conditionally free pricingC) Flat-rate pricingD) Marginal cost pricingE) Nonprice competitionAnswer: D107.Prior to Depository Institution Deregulation and Control Act (DIDMCA), banks used . This tended to distort the allocation of scarce resources.A) Free pricingB) Conditionally free pricingC) Flat-rate pricingD) Marginal cost pricingE) Nonprice competitionAnswer: E108.A customer has a savings deposit for 60 days. During that time they earn $11 and have an average daily balance of $1500. What is the annual percentage yield on this savings account?A) .73%B) 4.3%C) 4.5%D) 4.7%E) None of the aboveAnswer: C109.A customer has a savings deposit for 15 days. During that time they earn $15 and have an average daily balance of $2200. What is the annual percentage yield on this savings account?A) .68%B) 16.36%C) 16.59%D) 17.98%E) None of the aboveAnswer: D110.A bank determines from an analysis on its deposits that account processing and other operating expenses cost the bank $4.15 per month. It has also determined that its none operating expenses on its deposits are $1.65 per month. The bank wants to have a profit margin which is 10 percent of monthly costs. What monthly fee should this bank charge on its deposit accounts?A) $6.38 per monthB) $5.80 per monthC) $4.57 per monthD) $4.15 per monthE) None of the aboveAnswer: A111.A bank has $200 in checking deposits. Interest and noninterest costs on these accounts are 4%.This bank has $400 in savings and time deposits with interest and noninterest costs of 8%. This bank has $200 in equity capital with a cost of 24%. This bank as estimated that reserverequirements, deposit insurance fees and uncollected balances reduce the amount of moneyavailable on checking deposits by 10% and on savings and time deposits by 5%. What is thisbank’s before-tax cost of funds?A) 11.00%B) 11.32%C) 11.50%D) 12.00%E) None of the aboveAnswer: B112.A bank has $100 in checking deposits. Interest and noninterest costs on these accounts are 8%.This bank has $600 in savings and time deposits with interest and noninterest costs of 12%. This bank has $100 in equity capital with a cost of 26%. This bank has estimated that reserverequirements, deposit insurance fees and uncollected balances reduce the amount of moneyavailable on checking deposits by 20% and on savings and time deposits by 5%. What is the bank’s before-tax cost of funds?A) 13.05%B) 13.25%C) 15.33%D) 19.17%E) None of the aboveAnswer: A113.A bank has $500 in checking deposits. Interest and noninterest costs on these accounts are 6%.This bank has $250 in savings and time deposits with interest and noninterest costs of 14%. This bank has $250 in equity capital with a cost of 25%. This bank has estimated that reserverequirements, deposit insurance fees and uncollected balances reduce the amount of moneyavailable on checking deposits by 15% and on savings and time deposits by 4%. What is the bank’s before-tax cost of funds?A) 15.00%B) 12.75%C) 13.42%D) 15.74%E) None of the aboveAnswer: C114.A bank expects to raise $30 million in new money if it pays a deposit rate of 7%. It can raise $60 million in new money if it pays a deposit rate of 7.5%. It can raise $80 million in new money if it pays a deposit rate of 8% and it can raise $100 million in new money if it pays a deposit rate of 8.5%.This bank expects to earn 9% on all money that it receives in new deposits. What deposit rate should the bank offer on its deposits, if they use the marginal cost method of determining deposit rates?A) 7%B) 7.5%C) 8%D) 8.5%E) None of the aboveAnswer: B115.A bank expects to raise $30 million in new money if it pays a deposit rate of 7%. It can raise $60 million in new money if it pays a deposit rate of 7.5%. It can raise $80 million in new money if it pays a deposit rate of 8% and it can raise $100 million in new money if it pays a deposit rate of 8.5%.This bank expects to earn 9% on all money that it receives in new deposits. What is the marginal cost of deposits if the bank raises their deposit rate from 7 to 7.5%?A) .5%B) 7.5%C) 8.0%D) 9.5%E) 10.5%Answer: C116.Under the Truth in Savings Act, a bank must inform its customers of the terms being quoted on their deposits. Which of the following is not one of the terms listed?A) Loan rate informationB) Balance computation methodC) Early withdrawal penaltyD) Transaction limitationsE) Minimum balance requirementsAnswer: A117.Which of these Acts is attempting to address the low savings rate of workers in the U.S. by including an automatic enrollment (“default option”) in employees’ retirement accounts?A)The Economic Recovery Tax Act of 1981B)The Tax Reform Act of 1986C)The Tax Relief Act of 1997D)The Pension Protection Act of 2006E)None of the aboveAnswer: D118.Business (commercial) transaction accounts are generally more profitable than personal checking accounts, according to the textbook. Which of the following explain the reasons for this statement:A)The average size of the business transaction is smaller than the personal transactionB)Lower interest expenses are associated with commercial deposit transactionC)The bank receives more investable funds in the commercial deposits transactionD) A and BE) B and CAnswer: E。
商务英语综合教程chapter (12)
2) 主句是you should learn as much information as possible about the market。意思是尽可能多地获取市 场的信息。 3)that you want to enter是宾语从句,修饰market, 意 思是:你想要进入的(市场)。 4) About (介词)有几个并列的宾语:the market…,the potential clients and the competitors… 5) You will deal with 是定语从句,修饰competitors. 6) Before you join the negotiation 是修饰全句的时间状 语
2) at the beginning of negotiation在谈判开始 3) pricing issues 价格问题,价格争端 4) at the expense of … 在损害……的情况下,以……为 牺牲品 5) other important components 其他重要因素 6) marketing mix 营销组合 4. If the price quoted by exporter has not been accepted by importer, the exporter should react positively by initiating discussions on non-price questions, instead of immediately offering price concession or taking defensive attitude. 如果出口商所报的价格没被进口商所接受,出口商应做出 积极的反应,开始讨论非价格问题,而不要立即在价格上 做出让步,或采取守势。
12 农业气候与农业小气候
我国各地区全年总日照时数,如图所示。图中有
两条年日照3000h日照等值线
介于这两条线之间的年日照时数在3000h以上,其
中在哈密和敦煌之间,有一个多日照中心在3400h以
上。拉萨以西,雅鲁藏布江上游两岸有另一个多日照
中心,在3200h以上
热量资源
对于农业生产热量资源的鉴定,通常采用的有年 平均温度、最热月平均温度、最冷月平均温度、年绝 对最低温度,以及农业界限温度的通过日期和持续日
Chapter 12 农业气候与农业小气候
农业气候与农业气候资源
农业气候区划 小气候与农田小气候
中国农业气候资源的分布
光能资源
热量资源
水分资源
光能资源
光能资源
(一) 生理辐射
我国生理辐射资源,除四川盆地和贵州高原外,其余都
在209千焦· 厘米-2· -1以上。青藏高原生理辐射特强,大部 年
南岭以南到南海沿岸:在7000—8000北的赣南湘南地区,在5500
-6000℃之间,副热带植物受到冻害较长江中游为少
云贵高原的大部和南疆在4000℃以下
在杭州湾、黄山一线向北直达燕山,太行山、豫西、
鄂西山地以东,整个江淮平原、黄淮平原和河北平原, 除山东半岛在4000℃以下,其余均在4000—5000℃之 间 北疆、河西走廊、陇东和山陕高原均在3000℃以下
小气候与农田小气候
小气候的概念 小气候的特点
任何一个地区内,由于其下垫面性质的不 同,从而在小范围内形成一种与大气候不同 特点的气候,通称小气候
1.范围较小 它的垂直尺度大致包括整个贴地气层 (2m以下), 水平尺度从几毫米到几十千米或稍大一 些 2.差别大 因尺度很小 , 局地差异不易被大规模空 气运动所混和, 故在垂直方向或水平方向上的气象 要素差异很大 3.稳定性强 几乎天天具有相同的规律性。但不同 季节和天气类型略有差异
Thomas12e_Chapter12托马斯管理经济学章12
12-11
垄断厂商的需求和边际收益
市场需求曲线就是厂商的需求曲线 垄断厂商为卖出更多的产品必须降低价格
~ 除了销售的第一单位产品外,其他所有单位产品的 边际收益均小于价格
当MR 为正 (负), 需求是富有弹性 (缺乏弹性) 的 对于一个线性市场需求来说,垄断厂商的边际 收益也是线性的,其纵轴截距与需求曲线相同, 而斜率是它的2倍
12-4
市场力的度量
市场力的强弱与需求的价格弹性负相关
~ 企业的需求弹性越小,市场力就越大 ~ 企业产品的相近替代品越少,需求的弹性(绝对值) 就越小,企业的市场力就越大 ~ 完全弹性的需求(需求曲线为水平线)没有任何市 场力
© 2016 by McGraw-Hill Education. This is proprietary material solely for authorized instructor use. Not authorized for sale or distribution in any manner. This document may not be copied, scanned, duplicated, forwarded, distributed, or posted on a website, in whole or part.
1-1
学习目标
(12.1) 定义市场力,描述如何用价格弹性、需求交叉 弹性和勒纳指数来度量市场力; (12.2) 解释对于长期中的市场力,为什么进入壁垒是 必要的,并讨论进入壁垒的主要类型; (12.3)求出垄断企业利润最大化的产量和价格; (12.4)求出垄断企业利润最大化的投入使用量; (12.5)求出在垄断竞争条件下,利润最大化的价格和 产量; (12.6) 利用经验估计或预测的需求、平均变动成本和 边际成本,来计算垄断企业或垄断竞争企业实现利润最 大化的产量和价格; (12.7) 在给定总产量的多工厂企业中,选择各工厂的 生产水平,使生产总成本最小化。
第十二章 胺、酰胺和生物碱(ok)
chapter 12
3
胺
脂肪胺 伯 胺 CH3NH2 甲胺
NH2
芳香胺
(CH3)2CHNH2 异丙胺
CH2NH2
苯胺
苄胺 N attached to aryl group 芳
N attached to alkyl group 脂肪
chapter 12
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胺的分类和命名 (伯胺 RNH2: one carbon directly attached to N) 伯胺
chapter 12
25
胺的碱性
电子效应的影响(与溶剂化效应相反) 电子效应的影响(与溶剂化效应相反) N上的电子云密度 ,接受质子的能力↑,碱性↑ 上的电子云密度↑,接受质子的能力 ,碱性 上的电子云密度 脂肪叔胺 > 仲胺 > 伯胺 > NH3 > 芳香胺 NH3 4.8 NH2-NH2 6.1 NH2-OH 8.2
叔丁醇(叔醇 叔醇) 叔丁醇 叔醇
伯胺) 叔丁基胺(伯胺 叔丁基胺 伯胺
chapter 12
8
胺的分类和命名
-NHCH3 甲氨基 -N(CH3)2 二甲氨基
1 2 3 4 5 CH3-CH-CH2-CH-CH3 - - CH3 NH2
2-甲基 氨基戊烷 甲基-4-氨基戊烷 甲基
CH3-CH-CH2CH2CH2CH3 - NHCH3
2-甲氨基己烷 甲氨基己烷
chapter 12
9
胺的分类和命名
When all four atoms attached to N are carbon, the ion is called a quaternary ammonium ion(季铵离子) and salts (季铵离子) that contain it are called quaternary ammonium salts. 季铵盐 NH4Br 溴化铵 (CH3)2N(C2H5)2Br 溴化二甲二乙铵 二甲二乙 溴化二甲二乙铵 季铵碱 NH4OH 氢氧化铵 (CH3)4NOH 氢氧化四甲 四甲铵 氢氧化四甲铵
CHAP12-14
National responsiveness对各国情况的反应能力
– Is the global agency familiar with local culture and buying habits of a particular country?
Area coverage地区覆盖面
– Does the agency cover all relevant markets?
© 2005 Prentice Hall
13-3
The global communication process P326
message Encoding
Information source
Message channel
Noise
Decoding
Recipient
Feedback
© 2005 Prentice Hall
© 2005 Prentice Hall 13-5
Standardization vs. Adaptation
A global campaign results in
– – – – Cost savings Improved access to distribution channel改善分销渠道的准入 Increased control And a global appeal. 全球化的诉求
© 2005 Prentice Hall
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© 2005 Prentice Hall
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II.
Understanding the term organization is key
– Umbrella corporations/holding companies have one or more ‘core’ advertising agencies伞形的组织/控股公司 拥有一个或者更多的核心广告代理公司 – Each ‘organization’ has units specializing in direct marketing, marketing services, public relations, or research每个组织拥有专于直接营销、营销服务、公 告关系或者市场研究的单位
财务管理基础斯坦利布洛克Chapter (12)
Delete Depreciation FC = ($60,000 − $20,000) = $40,000 = 33,333
• Break-Even analysis based on cash flows
P − VC $2.00 − $0.80 $1.20
Q=(FC-D)/(p-v)
Cash Break-Even Analysis Chart
Q2
Q1
2.2 Operating Leverage
Definition: •Operating leverage reflects the extent to which fixed assets and associated fixed costs are utilized in business. •A firm with relatively high fixed operating costs will experience more variable operating income if sales change.
ch12 凯恩斯交叉模型
Keynesian Cross
macroeconomics
College of Management, HUST
本章要点
凯恩斯交叉图与数量调整机制 计划总支出曲线及其构成 消费函数与投资函数 边际消费倾向 引起计划总支出曲线移动的因素
CHAPTER 12
Aggregate Demand I
其中: • a 为一个经济的自然消费,必大于0, 且为常数.
• b×YD 为收入的引致消费.
CHAPTER 12
Aggregate Demand I
slide 9
线性消费函数图示
C
C=a+bYD MPC
凯恩斯主 义假设消 费函数是 线性的. MPC是消 费函数的 斜率.
1
Y
CHAPTER 12
Aggregate Demand I
–0.5
0
(a)
4 5 6 实 GP 际D
Aggregate Demand I
Return
CHAPTER 12
slide 19
政府购买支出与税收
政府购买支出是由政府预算确定的,可 视为外生变量,不受收入的影响. 政府支出曲线在交叉图上是一条水平线. 税收不是直接的支出项目,但它影响可 支配收入,从而影响消费和净出口支出. 税收也是由政府预算确定的外生变量.
slide 10
储蓄函数
储蓄是指家庭中没有消费的那部分收入, 不论是否存入银行. 储蓄主要是可支配收入的函数:
S=S(YD)=YD-C
储蓄函数随消费函数而定. 线性储蓄函数:S=-a+(1-b)YD
Return
CHAPTER 12
Aggregate Demand I
2020-2021学年最新冀教版七年级英语上学期《一般过去时》语法专题训练及答案-精编试题
CHAPTER12 - 一般过去时一、按要求填空(单词类)(共27小题;共27分)1. be(过去分词)2. die(过去分词)3. pick(过去式)4. make(现在分词)5. report(过去式)6. use(现在分词)7. send: (过去式) 8. shine(过去式)9. keep(过去分词) 10. hate(过去式)11. man (复数) 12. happy(比较级):13. like(过去式) 14. true(反义词)15. foreign- (外语)16. Japan(日本人的)17. use(现在分词) 18. cloud(形容词) -19. rain (过去式) 20. bad(副词)21. careful(副词) 22. back(n.) -23. name(n.) - 24. water(n.) -25. watch(v.) - 26. own(pron.) -27. sure(adv.) -二、适当形式填空(单句适当形式)(共7小题;共7分)28. Betty often (help) me out when we were middle school students.29. Tom was late. He (open) the door quietly, (move) in and (walk) quietly to his seat.30. I never (think) you arrived here on time.31. (can) you help me out?32. they (play) chess in the classroom yesterday?33. She (not visit) her aunt last Wednesday. She (stay) at home and (do) some cleaning.34. --- When you (buy) the jacket?--- I (buy) it two days ago.三、选词填空(单句选词填空)(共8小题;共8分)35. --- you at home last Sunday?--- No, I . I in the park with my family. (were/was/wasn't)36. --- the tickets expensive yesterday evening?--- No, they . And there many things to see. (were/weren't)37. --- (did/does) your brother come to school just now?--- Yes, he (did/does).38. --- (Was/Wasn't) Mr. Smith at school this morning?--- No, he (was/wasn't).39. My sister and my brother (are/were) at home last month. They went on a school trip.40. We all (have/had) a good time last night.41. --- Where did Toby go on vacation?--- He (go/went) to the mountains.42. I a small boy crying in the corner. He lost and I helped him his father at last. (find/was/found)四、按要求转换句型(共8小题;共16分)43. Lucy did her homework at home. (改为否定句)Lucy her homework at home.44. He found some meat in the fridge. (改为一般疑问句)45. She stayed there for a week. (对划线部分提问)she there?46. There were some oranges in the cup. (改为一般疑问句)there oranges in the cup?47. Amy took some photos at the zoo last Saturday. (改为否定句)Amy photos at the zoo last Saturday.48. He is writing a song on the computer now. (用last night改写句子)He on the computer last night.49. I arrived just a few minutes ago. (对划线部分提问)you arrive?50. Robert was a taxi-driver. (改为同义句)Robert a taxi-driver.五、选词填空(句子选词填空)(共5小题;共5分)51. --- I was late this morning.--- What time ?--- Half past nine.52. --- I took part in the table tennis match this afternoon.--- ?--- No, I lost.53. --- We came home by taxi.--- How much ?--- Eighty dollars.54. --- I was tired this morning.--- ?--- No, but I didn't sleep very well.55. --- We went to the beach yesterday.--- ?--- Yes, it was great.六、适当形式填空(单句适当形式)(共23小题;共23分)56. --- Who (wash) the plates on the table?--- Jenny did.57. The students (stop) talking when their teacher came in.58. Betty never (come) to school late when she was in middle school.59. My mother (buy) vegetables on her way home yesterday.60. Somebody (knock) at the door just now.61. --- he (fly) a kite last Sunday?--- Yes, he .62. Li Lei (join) the League in 2001.63. --- What she (find) in the garden last morning?--- She (find) a beautiful butterfly.64. It (be) Mary's birthday last Friday.65. At that time she (be) a beautiful young girl.66. Mike (lose) his little dog the day before yesterday.67. He (jump) high on last Sports Day.68. She likes newspapers, but she (read) a book yesterday.69. They (make) a card for their teacher a week ago.70. I want to apples. But my dad all of them last month. (pick)71. --- she (water) the flowers this morning?--- Yes, she .72. I don't have any pens. I think she (have) some.73. --- the man (open) the window?--- No, he isn't. He (close) the window.74. If it (not rain) next Sunday, we'll have a football match.75. I'm sorry (wake) you up.76. Would you please (not play) with the chalk?77. My parents are busy (get) ready for the visitors.78. I think you'd better (not go) out alone at night.七、单项选择(共30小题;共30分)79. --- When you your old friend?--- The day before yesterday.A. will; visitB. did; visitC. have; visitedD. are; visit80. --- How was your day off?--- Pretty good! We the history museum.A. visitB. visitedC. are visitingD. will visit81. He turned off the light and then the classroom.A. leavesB. will leaveC. is leavingD. left82. --- What does Linda often do in the evening?--- She often her homework, but on the evening of April 12 she TV.A. does; watchesB. is doing; watchesC. does; watchedD. is doing; was watching83. --- What beautiful flowers in the garden!--- Yeah! They here last year.A. plantedB. were plantedC. are plantedD. will be planted84. --- I hear that two children's fun parks last year in our city.--- I know, but I think two are not enough.A. builtB. was builtC. were builtD. is built85. The two good friends until Miss Wu came into the classroom.A. chatedB. chatC. are chattingD. chatted86. --- Where is the bird?--- It away a moment ago.A. is flyingB. flyedC. flewD. flies87. --- I'm sorry you have missed the bus. It five minutes ago.--- What a pity!A. was leavingB. has leftC. leftD. leaves88. All the students and their class teacher interested in the film they saw yesterday evening.A. isB. will beC. wasD. were89. David said he would stay here until his mother back.A. comesB. will comeC. cameD. would come90. The hero's story in Youth Daily.A. was reportedB. was reportingC. reportsD. reported91. --- When your mother you that blue dress, Mary?--- Sorry, I really can't remember.A. does; buyB. has; boughtC. had; boughtD. did; buy92. --- Hi, Jim! Nice to meet you!--- Hi, it's one year since I last you.A. sawB. seeC. seeingD. have seen93. He asked me .A. if he will comeB. how many books I want to haveC. they would help us do itD. what was wrong with me94. The reporter said that the UFO east to west when he saw it.A. travelsB. traveledC. was travelingD. has traveled95. --- Hello, Jim.--- Hello, Tom. I you would come a little later.A. thinkB. thoughtC. have thoughtD. will think96. He be a hard worker. But now he playing computer games at home all dayand all night.A. was used to; is used toB. used to; used toC. was used to; used toD. used to; is used to97. --- you take a bus to school?--- Yes. But now I usually go to school on foot.A. Did; use toB. Were; used toC. Do; use toD. Did; used to98. I to meet you, but I you.A. went; hadn't seenB. did go; didn't seeC. had gone; didn't seeD. was going; hadn't seen99. --- Where were you last Saturday?--- I in the Capital Museum.A. amB. willC. wasD. have been100. I have been to Shanghai. I there last month.A. goB. wentC. have goneD. will go101. --- Hello, mum. Are you still on Lushan Mountain?--- Oh, no. We are back home. We a really good journey.A. haveB. hadC. are havingD. will have102. A new club in our school at the beginning of this year and now it has many members.A. startsB. is startedC. has startedD. was started103. --- Oh, my God! I can't find my key to the office.--- Don't worry. Perhaps it at your home.A. leftB. has leftC. was leftD. had left104. --- Have you heard of Earth Day?--- Yes. The first Earth Day in 1970 to educate us to protect our planet.A. celebratesB. celebratedC. is celebratedD. was celebrated105. --- Sam, what will the weather be like tomorrow?--- Sorry, Mum. I didn't watch the weather forecast just now. I a football match.A. was watchingB. am watchingC. would watchD. will watch106. --- Philip has gone to New Zealand.--- Oh, can you tell me ?A. when did he leaveB. when he is leavingC. when he leftD. when is he leaving107. I know a little about Thailand, as I there three years ago.A. have beenB. have goneC. will goD. went108. --- Frank, you look worried. Anything wrong?--- Well, I a test and I'm waiting for the result.A. will takeB. tookC. am takingD. take八、单句改错(共5小题;共5分)109. Look! The boys play football on the playground.110. The time passes quickly, so all of us went home.111. Last Sunday, police cars hurry to the tallest building in NewYork.112. Today it is much easier to be healthy than it is in the past.113. I use to play ping-pong a lot in my spare time, but now I aminterested in football.九、完形填空(共10小题;共15分)My friend, David Smith, kept birds. One day he phoned and 114 me he would be away for a week. He asked me to feed the birds 115 him and said he would leave his key in my mailbox.Unfortunately, I did not remember to feed the birds 116 the night before David was going to return. I rushed out of my house and it was already dark when I arrived at 117 house. I soon found the key he gave me could unlock neither the front door 118 the back door! I kept 119 of what David would say when he came back.Then I noticed 120 one bedroom window was open. I found a big stone and pushed it under the window. 121 the stone was very heavy, I made a lot of noise. But in the end, I managed to climb up.I had one leg inside the bedroom when I suddenly realized that someone 122 a torch(电筒) up at me. I looked down and saw 123 policeman and an old lady, one of David's neighbors. “What are you doing up there?”said the policeman. Feeling like a fool, I replied, “I was just going to feed Mr. Smith's birds.”114. A. tell B. tells C. told D. had told115. A. with B. to C. for D. at116. A. until B. before C. as D. since117. A. her B. his C. their D. our118. A. and B. but C. or D. nor119. A. to think B. think C. thinking D. thought120. A. how B. that C. what D. why 121. A. If B. Because C. When D. Whether 122. A. is shining B. was shone C. shines D. has shining 123. A. a B. the C. an D. /十、单项选择(共12小题;共12分)124. --- What do you think of the film Avatar?--- It's fantastic. The only pity is that I the beginning of it.A. missedB. was missingC. missD. will miss 125. --- How did the accident happen?--- You know, it difficult to see the road clearly because it .A. was; was rainingB. is; has rainedC. is; is rainingD. will be; will rain126. I a mistake. Please don't be angry with me.A. makeB. madeC. will makeD. had made 127. Tommy is looking for the watch his uncle him last month.A. givesB. gaveC. to giveD. has given 128. Last Sunday my aunt at home with me. We were watching TV all day.A. wasB. wereC. isD. are 129. There a big cake and many candies at the party yesterday.A. wasB. wereC. isD. are 130. Tina and her parents to England for sightseeing last summer.A. goB. wentC. will goD. have gone 131. --- How was your day off?--- Pretty good! I the science museum with my classmates.A. visitB. visitedC. am visitingD. will visit 132. --- When Jessy to New York?--- Yesterday.A. does; getB. did; getC. has; gotD. had; got133. I the wrong thing. Can I use your eraser?A. writeB. wroteC. am writingD. will write134. --- How was your trip to the ancient village?--- Fantastic! We to a museum of strange stones.A. goB. wentC. are goingD. will go135. Hello! I'm very glad to see you. When you here?A. did; arriveB. will; arriveC. have; arrivedD. are; arriving十一、适当形式填空(短文适当形式)(共12小题;共12分)Last Tuesday Lisa 136. (fly) from London to Madrid. She 137. (get) up at six 'clock in the morning and 138. (have) a cup of coffee. At 6:30 she 139. (leave) home and 140. (drive) to the airport. When she 141. (arrive), she parked the car and then 142. (go) to the airport cafe where she 143. (have) breakfast. Then she 144. (go) through the passport control and 145. (wait) for her flight. The plane departed on time and 146. (arrive) in Madrid two hours later. Finally she 147. (take) a taxi from the airport to her hotel in the center of Madrid.答案一、按要求填空(单词类)1. been2. died3. picked4. making5. reported6. using7. sent8. shone9. kept 10. hated11. men 12. unhappy 13. liked 14. untrue 15. foreigner16. Japanese 17. using 18. cloudy 19. rainy 20. badly21. ( carefully ) 22. back 23. name 24. water 25. watch26. own 27. sure二、适当形式填空(单句适当形式)28. helped 29. opened; moved; walked30. thought 31. Could/can32. Did; play 33. didn't visit; stayed; did34. did; buy; bought三、选词填空(单句选词填空)35. Were; wasn't; was 36. Were; weren't; were37. Did; did 38. Was; wasn't39. weren't 40. had41. went 42. found; was; (to) find四、按要求转换句型43. didn't do 44. Did he find any meat in the fridge?45. How long did; stay 46. Were; any47. didn't take any 48. wrote a song49. When did 50. used to be五、选词填空(句子选词填空)51. did you arrive 52. Did you win53. did it cost 54. Did you go to bed late55. Did you have a nice time六、适当形式填空(单句适当形式)56. washed 57. stopped 58. came 59. bought 60. knocked61. Did; fly; did 62. joined 63. did; find; found 64. was 65. was66. lost 67. jumped 68. reading; read 69. made 70. pick; picked71. Did; water; did 72. has 73. Is; opening; is closing 74. doesn't rain 75. to wake 76. not play77. getting 78. not go七、单项选择79. B 80. B 81. D 82. C 83. B 84. C 85. D 86. C 87. C 88. D 89. C 90. A 91. D 92. A 93. D 94. C 95. B 96. D 97. A 98. B 99. C 100. B101. B 102. D 103. C 104. D 105. A 106. C 107. D 108. B八、单句改错109. play改为are playing. 110. passes改为passed111. hurry改为hurried 112. it is the past改为it was in the past113. use 改为used九、完形填空114. C 115. C 116. A 117. B 118. D 119. C 120. B 121. B 122. D 123. A十、单项选择124. A 125. A 126. B 127. B 128. A 129. A 130. B 131. B 132. B 133. B 134. B 135. A 十一、适当形式填空(短文适当形式)136. flew 137. got 138. had 139. left 140. drove141. arrived 142. went 143. had 144. went 145. waited146. arrived 147. took。
非暴力沟通第十二章解决内心的冲突读后感
非暴力沟通第十二章解决内心的冲突读后感英文版After reading Chapter 12 of Nonviolent Communication, I was struck by the powerful message it conveyed about resolving inner conflicts. Marshall Rosenberg's approach to addressing the emotional turmoil within ourselves is both insightful and practical.In this chapter, Rosenberg emphasizes the importance of self-empathy in dealing with internal conflicts. He suggests that we need to acknowledge and understand our own feelings and needs before we can effectively communicate with others. By cultivating self-awareness and compassion for ourselves, we can better navigate the complex emotions that arise in challenging situations.One of the key takeaways from this chapter is the idea that our thoughts and beliefs can often contribute to our inner conflicts. Rosenberg encourages us to examine the stories we tell ourselves and question whether they are serving us or holding us back. By challenging our assumptions and reframing our perspectives, we can create a more positive and empowering inner dialogue.Overall, I found Chapter 12 to be a thought-provoking and enlightening read. It has inspired me to take a closer look at my own inner conflicts and explore new ways of approaching them with compassion and understanding.非暴力沟通第十二章解决内心的冲突读后感读完《非暴力沟通》第十二章后,我对其传达的有关解决内心冲突的强大信息印象深刻。
英语十二章
英语十二章The Twelve Chapters of EnglishEnglish is a rich and complex language with a long history and a vast vocabulary. It is the most widely spoken language in the world and has become the global lingua franca for business, academia, and international communication. As a language learner, mastering English can be a daunting task, but it is also a rewarding journey. In this essay, we will explore the twelve key chapters that make up the story of the English language.Chapter 1: The Origins of EnglishThe English language has its roots in the Germanic tribes that settled in Britain following the withdrawal of the Roman Empire in the 5th century AD. These tribes, including the Angles, Saxons, and Jutes, brought with them a West Germanic language that would eventually evolve into Old English. The earliest known writings in Old English date back to the 7th century and include works such as Beowulf, a heroic epic poem that provides a window into the language and culture of the time.Chapter 2: The Norman ConquestIn 1066, the Norman conquest of England by William the Conqueror had a profound impact on the English language. The influx of French vocabulary, grammar, and syntax transformed Old English into Middle English, a language that was more closely related to modern English. This linguistic shift was a reflection of the political and cultural changes that swept through England in the aftermath of the Norman conquest, as the ruling class became French-speaking and the English language was relegated to the lower classes.Chapter 3: The Rise of Standard EnglishAs the Middle English period progressed, regional dialects began to emerge, and the need for a standardized form of the language became increasingly apparent. This process was accelerated by the development of printing in the 15th century, which helped to disseminate written works and establish a more consistent orthography. The work of influential writers such as Geoffrey Chaucer and William Caxton played a crucial role in shaping the emergence of a standard form of English, which would eventually become the basis for the language we know today.Chapter 4: The Spread of EnglishThe expansion of the British Empire in the 17th and 18th centuries led to the global spread of the English language. As British colonistssettled in North America, Australia, New Zealand, and other parts of the world, they brought their language with them, leading to the development of distinct regional varieties of English. This diaspora of the language has contributed to its remarkable diversity and adaptability, as it has been shaped by the unique cultural and linguistic influences of each new location.Chapter 5: The Influence of TechnologyThe 20th and 21st centuries have witnessed a revolution in the way we communicate, with the rise of digital technologies and the internet. This technological revolution has had a profound impact on the English language, introducing new vocabulary, idioms, and modes of expression. From email and texting to social media and online gaming, the English language has had to adapt to the demands of these new modes of communication, leading to the emergence of a more informal, dynamic, and constantly evolving form of the language.Chapter 6: The Diversity of EnglishAs the English language has spread around the world, it has also diversified, giving rise to a multitude of regional and national varieties. From the distinctive accents and dialects of the United Kingdom to the unique lexical and grammatical features of Singaporean English or Indian English, the diversity of the English language is a testament to its adaptability and resilience. Thisdiversity is not only a source of richness and cultural expression but also a reflection of the global reach and influence of the language.Chapter 7: The Influence of Other LanguagesEnglish has not existed in a vacuum; it has been profoundly influenced by other languages throughout its history. From the Norman French influence on Middle English to the incorporation of words and concepts from languages as diverse as Hindi, Mandarin, and Spanish, the English language has been a melting pot of linguistic influences. This cross-pollination has contributed to the language's remarkable versatility and has made it a truly global means of communication.Chapter 8: The Challenges of English GrammarOne of the defining features of the English language is its complex and often idiosyncratic grammar. From the intricate rules of verb tenses to the nuances of preposition usage, mastering the grammar of English can be a daunting task for language learners. However, this grammatical complexity is also a source of the language's richness and expressive power, allowing for the articulation of subtle shades of meaning and the construction of intricate and sophisticated sentences.Chapter 9: The Beauty of English LiteratureThroughout its history, the English language has been the vehicle forsome of the most enduring and influential works of literature. From the timeless poetry of William Shakespeare to the profound philosophical musings of John Milton, the English language has been elevated to the heights of artistic expression. The beauty and power of the written word in English have not only shaped the cultural landscape but have also contributed to the language's global prestige and influence.Chapter 10: The Importance of English in EducationIn an increasingly globalized world, proficiency in English has become a crucial skill for academic and professional success. English is the predominant language of instruction in many universities and research institutions around the world, and a strong command of the language is often a prerequisite for admission and success in these settings. Moreover, the widespread use of English in international business, diplomacy, and scientific research has made it an essential tool for individuals seeking to participate in the global arena.Chapter 11: The Challenges of English PronunciationOne of the most daunting aspects of learning English is its complex and often unpredictable pronunciation. The language's rich history of borrowing words from other languages, as well as its numerous regional accents and dialects, have contributed to a pronunciation system that can be a source of frustration for language learners. However, the mastery of English pronunciation is a crucial skill, as itnot only facilitates effective communication but also enhances one's overall proficiency in the language.Chapter 12: The Future of the English LanguageAs the world continues to evolve, so too will the English language. The ongoing influence of technology, the increasing diversity of its speakers, and the changing cultural and social landscapes will all shape the future of this dynamic and ever-evolving language. While the core of the English language may remain relatively stable, its lexicon, grammar, and modes of expression are likely to continue to adapt and transform, reflecting the changing needs and preferences of its global community of users. The future of English is both exciting and uncertain, but one thing is clear: the language will endure as a powerful and essential tool for communication, education, and cultural exchange.。
TSP-9-测试过程
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软件测试步骤
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测试总策略
Product Requirements System Testing
Architectural or High-Level Design
Integration Testing
Detailed Design
Unit Testing
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调试
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关于TSPi测试的前提
高质量的产品是开发出来,不是测试出来的 测试应该是基于高质量的产品 测试的目的是评估产品,不是修正错误(不是 基于测试的质量策略)
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TSPi集成测试和系统测试主要活动
采用已经单元测试的产品建立系统 集成测试是验证系统是否被恰当的建立起来, 而且能够协同工作—测试所有的界面 系统测试是验证满足系统的需求 确认有质量缺陷的部分 确认缺陷除掉之后的质量
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一、集成测试和系统测试过程的 基础知识
TestWare
HardWare SoftWare TestWare
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测试的定义
测试为了发现程序中的错误而执行程序的过程
好的测试方案是尽可能发现迄今为止尚未发现 的错误的方案 成功的测试是发现了至今为止未发现的错误的 测试
语句的覆盖 判定的覆盖 条件的覆盖 组合条件的覆盖
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测试的技术-黑盒测试
等价划分 边界值分析 错误推测
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实用测试策略
在任何情况下都实用边界值分析 必要时用等价划分补充测试方案 必要时再用错误推测法补充测试方案 对照程序逻辑,检查设计出的测试方案
生态系统中的物质循环
全球水循环
水循环是太阳能推动,在陆地、大气和海洋间循环
地表总水量:1.4×109km3,海洋约占97%
水的循环:
– 陆地:蒸发 (蒸腾 )71,000km3 ,降水 111,000km3 ,径流
40,000km3 – 海洋:蒸发425,000km3,降水385,000km3 – 淡水中:两极冰盖29 000 km3、地下水8 000 km3、湖泊 河流100 km3、土壤水分100 km3、大气中水13 km3、生
大气 陆地有机质 活有机体 死有机体 非有机氮(陆地) 地壳 3,800,000 772 12 760 140 14,000,000 海洋水中 20,000 海洋有机体 901 活有机体 1 死有机体 900 非有机体氮(海洋) 100 沉积物 4,000,000
无机氮总量 = 1,673 有机氮总量 = 21,820,240
蓝藻
浅层死有机物 陆地陆地 丢失于深 层沉积中 溶解死 有机物 海洋
死有机体 河流带走
固 氮 作 用
类型
– 闪电、宇宙射线、火山爆发等高能固氮
– 工业固氮:400摄氏度,200大气压下
– 生物固氮:固氮菌、与豆科植物共生的根瘤菌 和蓝藻等自养和异养微生物
意义
– 平衡反硝化作用 – 对局域缺氮环境有重要意义
物体中水1 km3
The Hydrologic Cycle
生态系统中的水循环
降雨 截留
蒸腾
消费者
穿透雨
土壤吸收
地表 径流 地面蒸发 地下径流
渗透
水循环(aquatic cycle)
水循环的意义
水是所有营养物质的介质 水对物质是很好的溶剂 水是地质变化的动因之一
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Student Shape Loan Employee Account
Derived classes
GraduateStudent, UndergraduateStudent Circle, Triangle, Rectangle, Sphere, Cube CarLoan, HomeImprovementLoan, MortgageLoan Faculty, Staff CheckingAccount, SavingsAccount
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// Fig. 12.4: CommissionEmployee.h // CommissionEmployee class definition represents a commission employee. #ifndef COMMISSION_H #define COMMISSION_H #include <string> // C++ standard string class using std::string; class CommissionEmployee { public: CommissionEmployee( const string &, const string &, const string &, double = 0.0, double = 0.0 ); void setFirstName( const string & ); // set first name string getFirstName() const; // return first name void setLastName( const string & ); // set last name string getLastName() const; // return last name void setSocialSecurityNumber( const string & ); // set SSN string getSocialSecurityNumber() const; // return SSN void setGrossSales( double ); // set gross sales amount double getGrossSales() const; // return gross sales amount void setCommissionRate( double ); // set commission rate (percentage) double Henan University of 2013-7-29 getCommissionRate() const; // return commission rate Technology 15
2006 Pearson Education, Inc. All rights reserved.
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12.1 12.2 12.3 12.4
Introduction Base Classes and Derived Classes protected Members Relationship between Base Classes and Derived Classes 12.4.1 Creating and Using a CommissionEmployee Class 12.4.2 Creating a BasePlusCommissionEmployee Class Without Using Inheritance 12.4.3 Creating a CommissionEmployee-BasePlusCommissionEmployee Inheritance Hierarchy 12.4.4 CommissionEmployee-BasePlusCommissionEmployee Inheritance Hierarchy Using protected Data
A class is derived from multiple base class
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Indirect base class
Single inheritance
Multiple inheritance
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12.4.1 The 1th example
Creating and Using a CommissionEmployee Class P412
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Each arrow represents Inheritance relationships the “is-a” relationship
form treelike hierarchy structures. A class becomes either a base class ---supplying members to other class, a derived class---- inheriting its members from other classes, or both.
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Object-Oriented Programming: Inheritance
2006 Pearson Education, Inc. All rights reserved.
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OBJECTIVES
In this chapter you will learn: To create classes by inheriting from existing classes. How inheritance promotes software reuse. The notions of base classes and derived classes and the relationships between them. The protected member access specifier. The use of constructors and destructors in inheritance hierarchies. The differences between public, protected and private inheritance. The use of inheritance to customize existing software.
The has-a relationship represents composition.
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12.2 Base Classes and Derived Classes
One base class can have many derived class.
2006 Pearson Education, Inc. All rights reserved.
12.1 Introduction
Inheritance is a form of software reuse in which the programmer creates a class that absorbs an existing class’s data and behaviors and enhances them with new capabilities. The existing class is called the base class (superclass), the new class is called derived class (subclass ).
Fig. 12.2 | Inheritance hierarchy for university CommunityMembers.
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Fig. 12.3 | Inheritance hierarchy for Shapes. Class TwoDimensionalShape : public Shape
Public inheritance
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Public Inheritance
With all forms of inheritance, private members of a base class are not accessible from that class’s derived class, but these private members are still inherited. With public inheritance, all other base-class members retain their original member access when they become members of the derived class. Friend functions are not inherited.