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一、選擇題

lxIfEnglishmeansendlessnewwords,difficultgrammarandsometimesstrangepronunciation,

youarewrong.Havenztyounoticedthatyouhavebecomesmartersinceyoustartedtolearna

language

AccordingtoanewstudybyaBritishuniversity,learningasecondlanguagecanlead:oan

increaseinyourbrainpower.Researchersfoundthatlearningotherlanguageschangesgrey

matter.Thisistheareaofthebrainwhichprocessesinformation.ltissimilartothewaythat

exercisebuildsmuscles.

Thestudyalsofoundtheeffectisgreater,theyoungerpeoplelearnasecondlanguage.

AteamledbyDrAndreaMechelli,fromUniversityCollegeLondon,tookagroupofBritonswho

onlyspokeEnglish.Theywerecomparedwithagroupofz/earlybilinguals^whohadlearntasecond

languagebeforetheageoffive,aswellasanumberoflaterlearners.

ScansshowedthatgreymalerdensityC密度)inthebrainwasgreaterinbilingualsthaninpeople

withoutasecondlanguage.Butthelongerapersonwaitedbeforemasteringanewlanguage,the

smallerthedifference.

兇密“Ourfindingssuggestthatthestructureofthebrainischangedbytheexperienceoflearninga

封

線secondlanguage,“saidthescientists.

Itmeansthatthechangeitselfincreasestheabilitytolearn.

ProfessorDylanVaughanJonesoftheUniversityofWaleshasresearchedthelinkbetween

bilingualismandmathsskills/Havingtwolanguagesgivesyoutwowindowsontheworldand

makesthebrainmoreflexible,“hasaid/Youareactuallygoingbeyondlanguageandhavea

betterunderstandingofdifferentideas.”

ThefindingswerematchedinastudyofnativeItalianspeakerswhohadlearnedEnglishasa

secondlanguagebetweentheagesof2and34,Reading,writing,andcomprehensionwereall

tested.Theresultsshowed,thattheyoungertheystartedtolearn,thebetter/Studyinga

languagemeansyougetanentrancetoanotherworld,“explainedthescientists.

The^stockmarketgame"mentionedinParagraph1ismeantto().

恬

A.introduceanewcoursetostudents

B.helpstudentslearnaboutinvestment

C.teachhowtoapplyforacreditcard

□.encouragestudents'personalsavings

2、支付的在建工程人員的工資屬于（）產(chǎn)生的現(xiàn)金流量。

A.籌資活動

B.經(jīng)營活動

C.匯率變動

D.投資活動

3、銀行的營業(yè)收入不包括（）。

A.利息收入

B.金融機構(gòu)往來收入

C.投資收入

D.其他營業(yè)收入

4、Passage2

OneeveninginFebruary2007,astudentnamedPaulaCeelybroughthercartoastopona

remoteroadinWales.Shegotouttoopenametalgatethatblockedherpath.That'swhenshe

heardthewhistlesoundedbythedriverofatrain.HerRenaultCliowasparkedacrossarailway

line.Secondslater,shewatchedthetraindraghercaralmostakilometredowntherailwaytracks.

Ceely'snearmissmadethenewsbecausesheblameditonherGPS（導航儀）.Shehadnever

driventheroutebefore.ltv/asdarkandrainingheavily.CeelywasrelyingonherGPS,butitmade

nomentionofthecrossing.71putmycompletetrustinthedeviceanditledmerightintothepath

ofaspeedingtrain/shetoldtheBBC.

Whoistoblamehere?RickStevenson,whotellsCeely'sstoryinhisbookWhenMachinesFail

Us,pointsthefingeratthelimitationsoftechnology.Weputourfaithindigitaldevices,hesays,but

ourdigitalhelpersaretoooftennotuptothejob.Theyarefilledwithsmallproblems.Anditsnot

justGPSdevices:Stevensontakesusonatourofdigitaldisastersinvolvingeverythingfrom

mobilephonestowirelesskeyboards.

Theproblemwithhisargumentinthebookisthatit'snotclearwhyheonlyfocusesondigital

technology,whiletheremaybeanumberofotherpossiblecauses.Amap-makermighthaveleft

thecrossingoffapapermap.MaybeweshouldblameCeelyfornotpayingattention.Perhapsthe

railwayauthoritiesareatfaultforpoorsingallingsystem.Ormaybesomeonehasstudiedthe

relativedangersandworkedoutthattherereallyissomethingspecificwrongwiththeGPS

equipment.ButStevensoncoesn'tsay.

It'saproblemthatrunsthroughthebook.Inasectiononcars,Stevensongivesanaccountofthe

advancedtechniquesthatcriminalsusetodefeatcomputer-basedlockingsystemsforcars.He

offerstwoindependentsetsoffiguresoncartheft;bothshowasmallriseinsomepartsofthe

country.Hesaysthatonceagainnotallnewlockshaveprovedreliable.Perhaps,butmaybeit's

alsoduetotheshortageofpolicemenonthestreets.Orchangingsocialcircumstances.Orsome

combinationofthesefactors.

Thegamebetweenhumansandtheirsmartdevicesisamusingandcomplex.ltisshapedby

economicsandpsychologyandthecultureswelivein.Somewhereinthemixofthoseforces

theremaybeawayforawiseruseoftechnology.

Ifthereissuchaway,itshouldinvolvemorethanjustanawarenessoftheshortcomingscfour

machines.Afterall,wehavelivedwiththemforthousandsofyears.Theyhaveprobablybeen

foolingusforjustaslong.

WhichofthefollowingwouldRickStevensonmostprobablyagreewith?（）

A.Moderntechnologyiswhatwecan'tlivewithout

B.Digitaltechnologyoftenfallsshortofourexpectation

C.gitaldevicesaremorereliablethantheyusedtobe

D.GPSerrorisnottheonlycauseforCeely'saccident

5、下列權(quán)利不屬于用益物權(quán)的是（）o

A.土地承包經(jīng)營權(quán)

B.抵押權(quán)

C.建設用地使用權(quán)

D.地役權(quán)

G、中央銀行票是中國人乂銀行面向全國銀行間債券市場成員發(fā)行的、期限一般在（）

以內(nèi)的中短期債券。

A.六個月

B.一年

C.兩年

D.三年

7、根據(jù)《商業(yè)銀行法》的規(guī)定，商業(yè)銀行可以（）。

A.從事信托投資和股票業(yè)務

B.代辦保險

C.向非銀行金融機構(gòu)和企業(yè)投資

D.從事股票業(yè)務

8、根據(jù)《中華人民共和國行政處罰法》的規(guī)定，對于違法行為輕微并及時糾正，沒有造成

危害后果的當事人，應當（）。

A.從輕處罰

B.減輕處罰

C.免予處罰

D.從重處罰

9、唐玄宗在位期間，出現(xiàn)了繁榮景象，這是我國古代史的哪次盛世？（）

A.文景盛世

B.永宜盛世

C.開元盛世

D.康乾盛世

10、（）是指市場增長率低，而相對市場占有率高的產(chǎn)品。

A.金牛產(chǎn)品

B.瘦狗產(chǎn)品

C.明星產(chǎn)品

D.幼童產(chǎn)品

11、LuoJingyu,19,hasfouryearsofexperienceofrunningbusiness.Heisalsoafreshmaninthe

artsdepartmentofHubeiUniversity.

LuoJingyuisfromanordinaryfamily.Hesaid/MyparentstoldmeifIwantedsomething,Ishould

makeanefforttogetit,soIearnedpocketmoneybydoinghouseworkwhenIwaslittle.MThe

dreamofrunninghisownbusinessgrewinhisheart.Hesaic/1wanttobeasuccessfulpersonjike

Alibaba'sMaYun."

WhenLuowasajuniorstudent,hehadtheideaofsellinglanternswhenhesawmanypeople

flyingChineselanternsinasquare.Luoboughtsomelanternsfromastore,butthesaleswerenot

asgoodashehadexpected.Thenhefoundanotherwaytocobusiness.Heboughtlanternsonthe

Internetataverylowprice.Finally,heeasilymade5,000yuanintwodays.

Withahappybeginning,Luoplannedtoopenadressshop/zMyparentsdidn'tsupportme

openingadressshop,soIhadtoborrow120,000yuanforit/TXIthoughhedidmarketresearch

beforestarting,thebusinesswasn'tverygoodbecausehistasteinfashionwasn'tacceptedby

customers.Theshopeventuallycloseddownafterhalfayear.

Afterexperiencingabigloss,hedecidedtodosomethinghewasfamiliarwith-sellingpainting

tools.Asafineartsstudent,heknewthemarket.Heconvincedhisfriendstoinvestonerrillion

yuaninhisshop.Withagoodbusinessmindandalotofeffort,thesalesoftheshopreachedsix

millionyuaninayear.

EventhoughLuoisrich,heusesacheapcellphoneanddoesnotwearluxuryclothes.Henasa

simplelifestyle/ltisn'teasytomakemoneys。moneyshouldbeusedonsomething

worthwhile/hesaid.

Whatistherighttimeorderforthefollowingevents?()

a.Luoboughtsomelanternsfromthestore.

b.LuoboughtsomeLanternsontheInternet.

c.Luobegansellingpaintingtools.

d.Luoopenedadressstore.

A.abed

B.abdc

C.bacd

D.cbad

12、打開Word文檔一般是指()o

A.把文檔的內(nèi)容從內(nèi)存中讀出并顯示出來

B.把文檔的內(nèi)容從磁盤謊入內(nèi)存并顯示出來

C.為打開的文檔開設一個新的空的文檔窗口

D.顯示并打印文檔的內(nèi)容

13、大額可轉(zhuǎn)讓定期存單最早產(chǎn)生于美國。美國的《Q條例》規(guī)定商業(yè)銀行對活期存款不能

支付利息，定期存款不能突破一定限額。20世紀60年代，美國市場利率上漲，高于《Q

條例》規(guī)定的上限，資金從商業(yè)銀行流入金融市場。為了吸引客戶，商業(yè)銀行推出可轉(zhuǎn)讓

大額定期存單。購買存單的客戶隨時可以將存單在市場上變現(xiàn)出售。

第一張大額可轉(zhuǎn)讓定期存單是1961年由美國花旗銀行發(fā)行的。這樣，客戶實際上以短期存

款取得了按長期存款利率計算的利息收入?？赊D(zhuǎn)讓大額存單提高了商業(yè)銀行的競爭力，而且

也提高了存款的穩(wěn)定程度。對于發(fā)行存單的銀行來說，存單到期之前,不會發(fā)生提前提取存

款的問題?？赊D(zhuǎn)讓大額定期存單的出現(xiàn)是一種積極意義的金融創(chuàng)新。

根據(jù)上述材料，回答下列問題：

花旗銀行推出大額可轉(zhuǎn)讓定期存單，彌補了基本存款工具（）的弱點。

A.收益風險高

B.流動性差

（:?容易造成通貨膨脹

D.收益率低

14、下列說法不正確的是（）。

A.魯迅是中國現(xiàn)代文學的奠基人

B.郭沫若的《女神》是現(xiàn)代文學史上第一篇白話文

C.田漢是中國現(xiàn)代戲劇的奠基人

D.巴金是現(xiàn)代家族小說的開拓者

15、嫦娥二號月球探測器獲得的（）分辨率全月球影像圖，是目前國際上已公布的分辨率最

高的全月球影像圖。

A.5米

B.6米

C.7米

D.8米

16、下列對我國在高科技領域說法不正確的是

A.發(fā)展航天事業(yè)可以促進我國經(jīng)濟的發(fā)展

B.高科技的競爭是綜合國力競爭的實質(zhì)

C.高科技的競爭僅是國力競爭的一方面，綜合國力競爭的實質(zhì)是軍事力量

D.航天事業(yè)的發(fā)展，能夠增強民族凝聚力

17、Passage5

Desertification,droughtzanddespair-thatiswhatglobalwarminghasinstoreformuchof

Africa.Orsowehear.

Emergingevidenceispaintingaverydifferentscenario,oneinwhichrisingtemperaturescould

benefitmillionsofAfricansinthedriestpartsofthecontinent.Scientistsarenowseeingsignals

thattheSaharadesertandsurroundingregionsaregreeningduetoincreasingrainfall.If

sustained,theserainscouldrevitalizedrought-ravagedregionsjeclaimingthemforfarming

communities.Thisdesert-shrinkingtrendissupportedbyclimatemodels,whichpredictareturn

toconditionsthatturnedtheSaharaintoalushplainsome12,000yearsago.

ThegreenshootsofrecoveryareshowinguponsatelliteimagesofregionsincludingtheSahel,a

semi-desertzoneborderingtheSaharatothesouththatstretchessome2,400miles.

Imagestakenbetween1982and2002revealedextensivere-greeningthroughoutthe

Sahel,accordingtoanewstudyinthejournalBiogeosciences.Thestudysuggestshugeincreases

invegetationinareasincludingcentralChadandwesternSudan.Thetransitionmaybeoccurring

becausehotterairhasmorecapacitytoholdmoisture,whichinturncreatesmorerain,said

MartinClaussenoftheMaxPlanckInstituteforMeteorologyinHamburg,Germany."The

water-holdingcapacityoftheairisthemaindrivingforce//Claussensaid.

Whilesatelliteimagescan'tdistinguishtemporaryplantslikegrassesthatcomeandgowiththe

rains,groundsurveyssuggestrecentvegetationchangeisfirmlyrooted.IntheeasternSaharaarea

ofsouthwesternEgyptandnorthernSudan,newtreesareflourishing,accordingtoStefan

Kropelin,aclimatescientistattheUniversityofCologne'sAfricaResearchUnitinGermany.

“Before,therewasnotasinglescorpion,notasinglebladeofgrass/saidKropelinzwhohasstudied

theregionfortwodecades/zNowyouhavepeoplegrazingtheircamelsinareaswhichmaynot

havebeenusedforhundredsoreventhousandsofyears.Youseebirds,ostriches,ccming

back,evensortsofamphibianscomingback/hesaid/*Thetrendhascontinuedformorethan20

years.ltisindisputable/

Anexplosioninplantgrowthhasbeenpredictedbysomeclimatemodels.Forinstance,in2005a

teamledbyReindertHaarsmaoftheRoyalNetherlandsMeteorologicalInstituteinDeBilt,the

Netherlands,forecastsignificantlymorefuturerainfallintheSahel.ThestudyinGeoph/sical

ResearchLetterspredictedthatrainfallintheJulytoSeptemberwetseasonwouldrisebyupto

twomillimetersaday/by2080.

Satellitedatashows^thatindeedduringthelastdecade,theSahelisbecominggreener/Hasrsma

said.Evenso,climatescientistsdonotagreeonhowfutureclimatechangewillaffectthe

Sahel-somestudiessimulateadecreaseinrainfall/'Thisissueisstillratheruncertain/Haarsma

said.

MaxPlanck'sClaussensaidNorthAfricaistheareaofgreatestdisagreementamongclimate

changemodelers.Forecastinghowglobalwarmingwillaffecttheregioniscomplicatedbyitsvast

sizeandtheunpredictableinfluenceofhigh-altitudewinds:hatdispersemonsoonrains,Claussen

added/Halfthemodelsfollowawettertrend,andhalfadriertrend/

Whatistheroleofthesixthparagraphinthedevelopmentofthetopic（）

A.Tomakeatransitiontoanewtopic

B.Toworkasahooktothefollowingparagraphs

C.Toprovideacontrasttotheprecedingparagraphs

D.Tooffersupportingevidencetotheprecedingparagraph

18、遠期匯率的期限一般為（）個月。

A.1?6

B.3?9

C.6?9

D.6?12

19、以下關于貨幣政策中介目標的敘述錯誤的是（）o

A.貨幣政策的中介目標又稱為中間指標、中間變量

B.中介目標是介于貨幣政策工具變量與貨幣政策目標變量之間的變量指標

C.中央銀行根據(jù)相關性、可控性、可測性、抗干擾性四大原則來選擇相應的中介目標

D.中介H標是指中央銀行操作H標方面的變量指標

20、Passage2

Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoy

amonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.lnEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticularjtisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（網(wǎng)絡攻擊）.Andthe

solutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingtheIcensesofthirdpartiesthatbreakthe

rules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarket

evolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—such

aslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbeconingsystemicallyimportant,higherstandardsofoversightmightbe

necessary

WhichofthefollowingistrueinordertosuccessfullyimplementPSD2（）.

A.Customersareforcedtosharetheirbankdata

B.Banksarerequiredtoopenuptheirentireoperationalsystem

C.Regulatorsshouldbebothtoughandflexible

D.Banksandthirdpartiesshouldberegulatedwithalighttouch

21、Inmodernclinicalpractice,doctorspersonallyassesspatientsinorderto,treat,and

preventdiseaseusingclinicaljudgment.

A.remedy

B.diagnose

C.infect

D.judge

22、填入括號中最恰當?shù)脑~語是（）。

（1）在任何時候，我們都不能把希望寄托在別人身上，只有（），激發(fā)內(nèi)在的力量，才

能在這場克爭中找到位置，

（2）電競賽場上，紅隊和藍隊你攻我守，互不相讓，一番（）后更是在一處高地上展

開了激烈的膠著戰(zhàn)。

A.再接再厲龍爭虎斗

B.自力更生明爭暗斗

C.自力更生龍爭虎斗

D.再接再厲明爭暗斗

23、期貨交易與現(xiàn)貨交易的不同之處在于（）。

A.風險較小的合約

B.不需要交保證金的合約

C.實物交割率低的合約

D.交易所并不提供結(jié)算服務

24、2019年1-5月，中關村示范區(qū)規(guī)模（限額）以上高新技術(shù)企業(yè)實現(xiàn)總收入21615.1億元，

比上年同期增長12.9%,增幅比1-4月提高0.2個百分點。主要運行情況如下：

重點高新技術(shù)領域保持增長。1-5月，中關村重點監(jiān)測六大高新技術(shù)領域共實現(xiàn)總收入

億元，占中關村總收入的其中，電子與信息、先進制造領域增勢較好，比

17445.280.7%a

上年同期分別增長14.7%和13.1%。

企業(yè)科技創(chuàng)新活躍。1-5月，中關村研發(fā)人員合計58.6萬人，比上年同期增長1.8%,研究

開發(fā)費用合計8G6.8億元，比上年同期增長17.9%。

2019年1-5月中關村示范區(qū)總收入及技術(shù)收入增速圖

?總收入技術(shù)收入

2019年1-4月份，中關村示范區(qū)規(guī)模（限額）以上高新技術(shù)企業(yè)比上年同期增長約（）。

A.12.9%

B.12.7%

C.13.1%

D.數(shù)據(jù)不足，難以得出

25、操作系統(tǒng)的主要作用不包括（

A.管理系統(tǒng)中的各種軟硬件資源

B.播放多媒體計算機系統(tǒng)中各種數(shù)字音頻和視頻文件

C.為用戶提供友善的人機界面

D.為應用程序的開發(fā)和運行提供一個高效的平臺

26、下列字符中，其ASCII碼值最大的是（）。

A.9

B.D

C.a

D.y

27、Tooursurprise,shesuddenly（）infrontofuSo

A.appealed

B.appeared

C.appeased

0.prepared

28、下列名畫按創(chuàng)作時間排序正確的是（）o

①工希孟一一《千里江山圖》

②黃公望一一《富春山居圖》

③顧愷之一一《洛神賦圖》

④閻立本一一《步輦圖》

A.①②③④

B.②①④③

C.③④①②

D.④①③②

29、下列不屬于無線通信線路的是（）。

A.微波

B.光纖

C.無線電

D.激光

30、資料：/zOurcarsareforpeoplewhowantsomethingdifferent//

Thishasbeenthesloganfcrover50yearsofSupremaCars,amanufacturerofanEnglishsports

car.Thecarismostlyhandmadeinthecompany'sfactoryinnorthernEngland.SupremaCar

producesapproximately503carsayear.About5yearsago,thecompanybegantolosesalesand

marketshare,andinthelasttwoyears,ithasmadealoss.

Recently,therehavebeenproblemswiththelaborforce.Thefactoryworkershavedemand

higherwagesandbetterworkingconditions.Theyarealsounhappybecausethemanagementis

insistingthattheyincreaseproduction,buttheworkersthinkthiswillhaveabadeffectonthe

qualityofthecars.

Thecompanystillhasman/loyalcustomers.PeoplebuySupremasportscarsbecausetheyare

handmadeandhaveanimageofqualityandcraftsmanship.

WhatkindservicesdoesSupremaCarsprovide?

A.Itdesignsclassiccarmodels

B.ltproduceshand-madecars

C.ltresearchanddevelopcar-relatedtechnologies

D.ltcreatesadvertisementsforthecars

31.()theirexistingproblems,greatimprovementsweremadeinthecountry'sliteracyratesand

healthcaresystem.

A.Butfor

B.Forall

C.Aboveall

0.Exceptfor

32、Passage5

Desertification,drought,anddespair-thatiswhatglobalwarminghasinstoreformuchof

Africa.Orsowehear.

Emergingevidenceispaintingaverydifferentscenario,oneinwhichrisingtemperaturescould

benefitmillionsofAfricansinthedriestpartsofthecontinent.Scientistsarenowseeingsignals

thattheSaharadesertandsurroundingregionsaregreeningduetoincreasingrainfall.If

sustained,theserainscouldrevitalizedrought-ravagedregions,redaimingthemforfarming

communities.Thisdesert-shrinkingtrendissupportedbyclimatemodels,whichpredictareturn

toconditionsthatturnedtheSaharaintoalushplainsome12,000yearsago.

ThegreenshootsofrecoveryareshowinguponsatelliteimagesofregionsincludingtheSahel,a

semi-desertzoneborderingtheSaharatothesouththatstretchessome2,400miles.

Imagestakenbetween1982and2002revealedextensivere-greeningthroughoutthe

SahelzaccordingtoanewstudyinthejournalBiogeosciences.Thestudysuggestshugeincreases

invegetationinareasincludingcentralChadandwesternSudan.Thetransitionmaybeoccurring

becausehotterairhasmorecapacitytoholdmoisture,whichinturncreatesmorerain.said

MartinClaussenoftheMaxPlanckInstituteforMeteorologyinHamburg,Germany.z/The

water-holdingcapacityoftheairisthemaindrivingforce."Claussensaid.

Whilesatelliteimagescan'tdistinguishtemporaryplantslikegrassesthatcomeandgowiththe

rains,groundsurveyssuggestrecentvegetationchangeisfirmlyrooted.IntheeasternSaharaarea

ofsouthwesternEgyptandnorthernSudan,newtreesareflourishing,accordingtoStefan

Kropelin,aclimatescientistattheUniversityofCologne/sAfricaResearchUnitinGermany.

^Before,therewasnotasinglescorpion,notasinglebladeofgrass/saidKropelin,whohasstudied

theregionfortwodecades/zNowyouhavepeoplegrazingtheircamelsinareaswhichmaynot

havebeenusedforhundredsoreventhousandsofyears.Youseebirds,ostriches,ccming

back,evensortsofamphibianscomingback/hesaid/Thetrendhascontinuedformorethan20

years.ltisindisputable/

Anexplosioninplantgrowthhasbeenpredictedbysomeclimatemodels.Forinstancejn2005a

teamledbyReindertHaarsmaoftheRoyalNetherlandsMeteorologicalInstituteinDeBilt,the

Netherlands,forecastsignificantlymorefuturerainfallintheSahel.ThestudyinGeoph/sical

ResearchLetterspredictedthatrainfallintheJulytoSeptemberwetseasonwouldrisebyupto

twomillimetersaday,by2080.

Satellitedatashows^thatindeedduringthelastdecade,theSahelisbecominggreenedHaarsma

said.Evenso,climatescientistsdonotagreeonhowfutureclimatechangewillaffecithe

Sahel—somestudiessimulateadecreaseinrainfall/'Thisissueisstillratheruncertain/Hasrsma

said.

MaxPlanck'sClaussensaidNorthAfricaistheareaofgreatestdisagreementamongclimate

changemodelers.Forecastinghowglobalwarmingwillaffecttheregioniscomplicatedbyitsvast

sizeandtheunpredictableinfluenceofhigh-altitudewinds:hatdispersemonsoonrains,Claussen

added/Halfthemodelsfollowawettertrend,andhalfadriertrend.”

AccordingtoMartinClaussen,whatisthemaincauseoftheincreasedvegetationindeserted

areas()

A.Theclimatemodelsaremorechangeable

B.Hotairwouldbemorecapabletoholdhumidity

C.Manytreeshavebeenpantedrecently

D.Thegrassesaretemporarilyappearedwiththerains

33、資料：(二)

Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushing

themout.Reversemortgages,whichallowhomeowners62oroldertoborrowmoneyagainstthe

valueoftheirhomesandnotpayitbackuntiltheymoveoutordie,havelongbeensaidwith

problems.Now,federalandstateregulatorsaredocumentingnewinstancesofabuseassmaller

mortgagebrokers,includingformersub-primelenders,floodthemarketaftertherecentexitof

bigbanksandasdefaultsontheloanshitrecordhighs.

Somelendersareaggressivelyrecommendingloanstoseniorswhocannotaffordthefees

associatedwiththem,withoutmentioningthepropertytaxesandmaintenance.Othersare

wooingseniorswithpromisesthattheloansarefreemoreythatcanbeusedtofinancetheir

long-desiredthings,withoutclearlyexplainingtherisks.Somewidowswerepressurednotto

havetheirnamesonthecontract,withoutbeingtoldthattheycouldbeleftfacing

foreclosureaftertheirhusbandsdied.

Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewith

decliningsavings,thenewlyestablishedConsumerFinancialProtectionBureauisworkingornew

rulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.More

than775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.

Concernsaboutthemulti-billiondollarreversemortgagesmarketechothoseraisedinthe

lead-uptothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghidden

risks—thattheycouldnotafford./zTherearemanyofthesameredflags,includingexplosive

growthandthefactthattheseloansareoftenadvertisedaggressivelywithoutregardedto

suitability/sadLoriSwanson,theMinnesotaattorneygeneral,whoisworkingonreformingthe

reversemortgagemarket.

The“redflags,zofreversemortgagedon'tinclude.

A.explosivegrowth

B.thereformofreversemortgagemarket

C.littleconsiderationtosuitability

D.aggressiveandimpropermarketing

34、Henry/sbusinessismichworsethanbefore,therefore,hehastotheexpenseofhis

corporation.

A.cutinto

B.cutin

C.cutdown

D.cutoff

35、資料：BankCDistheinstrumentuniformlyfiguringintheinvestmentoptionsofmost

investors.BankofIndiaCDsaresafe,FDICinsured&offercecentreturns.Thereisnobrokerage,

nofeesorhiddencosts.However;theBankmayimposeafeeforadministrativeexpenses

involvedinanylegalactioninconnectionwiththeCD.LookatourzStarCD'planbelow.

HighInterest:HigheronLargeamount

Ourratesoncertificateofdepositsareamongthebestintheindustry.Theratemayva，yon

day-todaybasis.ForCD'sofabove$250,000.00,theinterestissimplei.enotcompounded;

therefore,annualpercentageyieldissameasannualinterestrate.Theinterestispayableonthe

dayofmaturityofdeposit.InterestpaidduringtheyearisreportedtoInternalRevenueSer/ices.

Fortoday'sratespleaserefertoCurrentRatesofInterestonSTARCDs.

MaturityPeriod:Flexibletoyourneeds

Youmaychooseanymaturitydatewithaminimumperiodof7daystoamaximumperiodof1

yeartosuityourneeds.YourCDisautomaticallyrenewedforthesameperiodinabsencecfany

otherinstruction,attherulingrateofinterestonthedateofrenewal.Thereisnograceperiod

forautomaticrenewalofdepositsonmaturity.Fordepositsissuedfor1yearormore,wesend

maturitynoticestothedepositors2to4weeksbeforetheduedate.

MinimumAmount:EasytoStart

TheminimumamountacceptedisUSD2000

OtherFeatures:

l.FDICInsuranceUpto$100,000

2.FacilitytoOpenJoint&CorporateAccounts

AdditionalDeposits:

Additionalamountsdepositedintoanaccountwillbetreatedasfreshdeposits&separate

certificatesofdepositswillbeissuedforsuchdeposits.

EarlyWithdrawal:

Withdrawalofdepositbeforeitsdateofmaturitymaybeallowedatbank'sdiscretion.Inthat

event,interestwillbepaidattherateapplicablefortheperiodforwhichthedepositremained

withthebankorthecontractedrate,whicheverislower,asprevailingonthedateofdeposit,less

onepercent.However;nointerestshallbepaidonthedepositwhichrunsforlessthan30days.

Thereisnootherpenaltyorchargeonearlywithdrawal.

Fordepositrunningformerethan30days,earlywithdrawalmaybe(),()penaltyor

charge.

A.allowed,without

B.banned,with

C.allowed,with

D.banned,without

36、Passage6

Firsttwohours,nowthreehours—thisishowfarinadvanceauthoritiesarerecommending

peopleshowuptocatchadomesticflight,atleastatsomemajorU.S.airportswithincreasingly

massivesecuritylines.

Americansarewillingtotoleratetime-consumingsecurryprotocolsinreturnforincreased

safety.ThecrashofEgyptAirFlight804,whichterroristsmayhaved