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信贷类银行信托理财产品投资的主要技术手段是通过收益的期限结构或者通过收益分层，分出优先级、次级受益人，由优先级受益人承担风险，享受杠杆化收益。( )
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The age of gilded youth is over. Today’s under-thirties are the first generation for a century who can expect a lower living standard than their parents. Research into the lifestyles and prospects of people who were born since 1970 shows that they are likely to face a lifetime of longer working hours, lower job security and higher taxes than the previous generation.When they leave work late in the evening, they will be more likely to return to a small rented flat than to a house of their own. When, eventually, they retire, their pensions are far lower in real terms than those of their immediate forebears.These findings are revealed in a study of the way how the ageing of Britain’s population is affecting different generations.Anthea Tinker, professor of social gerontology at King’s College London, who carried out much of the work, said the growth of the proportion of people over 50 had reversed the traditional flow of wealth from older to younger generations."Today’s older middle-aged and elderly are becoming the new winners, " she said. "They made relatively small contributions in tax but now make relatively big claims on the welfare system. Generations born in the last three to four decades face the prospect of handing over more than a third of their lifetime’s earnings to care for them. "The surging number of older people, many living alone, has also increased demand for property and pushed up house prices. While previous generations found it easy to raise a mortgage, today’s under-thirties have to live with their parents or rent. If they can afford to buy a home, it is more likely to be a flat than a house.Laura Lenox-Conyngham, 28, grew up in a large house and her mother did not need to work. Unlike her wealthy parents, she graduated with student and postgraduate loan debts of ￡13, 000. She now earns about ￡20, 000 a year, preparing food to be photographed for magazines. Her home is a one-bedroom flat in central London and she sublets the lunge sofa-bed to her brother."My father took pity and paid off my student debts, " she said. "But I still have no pension and no chance of buying a property for at least a couple of years-and then it will be something small in a bad area. My only hope is the traditional one of meeting a rich man. "Tinker’s research reveals Lenox-Conyngham is representative of many young professionals, especially in London, Manchester, Edinburgh and Bristol. Why are today’s older middle-aged and elderly becoming the new winners（）
Many foreigners who have not visited Britain call all the inhabitants English, for they are used to thinking of the British Isles as England. (21) , the British Isles contain a variety of peoples, and only the people of England call themselves English. The others (22) to themselves as Welsh, Scottish, or Irish, (23) the ease may be; they are often slightly annoyed (24) being classified as "English".Even in England there are many (25) in regional character and speech. The chief (26) is between southern England and northern England. South of a (27) going from Bristol to London, people speak the type of English usually learnt by foreign students, (28) there are local variations.Further north regional speech is usually " (29) " than that of southern Britain. Northerners are (30) to claim that they work harder than Southerners, and are more (31) . They are open-hearted and hospitable; foreigners often find that they make friends with them (32) . Northerners generally have hearty (33) . the visitor to Lancashire or Yorkshire, for instance, may look forward to receiving generous (34) at meal times.In accent and character the people of the Midlands (35) a gradual change from southern to the northern type of Englishman.In Scotland the sound (36) by the letter "R" is generally a strong sound, and "R’ often pronounced in words in which it would be (37) in southern English. The Scots said to be a serious, cautious, thrifty people, (38) inventive and somewhat mystical. the Celtic peoples of Britain (the Welsh, the Irish, the Scots) are frequently (39) being more "fiery" than the English. They are (40) a race that is quite distinct from English. 35().
A child who has once been pleased with a tale likes, as a rule, to have it retold in identically the same words, but this should not lead parents to treat printed fairy stories as sacred texts. It is always much better to tell a story than read it out of a book, and, if a parent can produce what, in the actual circumstances of the time and the individual child, is an improvement on the printed text, so much the better.A charge made against fairy tales is that they harm the child by frightening him or arousing his sadistic impulses. To prove the latter, one would have to show in a controlled experiment that children who have read fairy stories were more often guilty of cruelty than those who had not. Aggressive, destructive, sadistic impulses every child has and, on the whole, their symbolic verbal discharge is seen to be rather a safety valve than an incitement to overt action. As to fears, there are, I think, well-authenticated cases of children being dangerously terrified by some fairy story. Often, however, this arises from the child having heard the story once. Familiarity with the story by repetition turns the pain of fear into the pleasure of the fear faced and mastered.There are also people who object to fairy stories on the grounds that they are not objectively true, that giants, witches, two-headed dragons, magic carpets, etc., do not exist; and that, instead of indulging his fantasies in fairy tales, the child should be taught how to adapt to reality by studying history and mechanics. I find such people, I must confess, so unsympathetic and peculiar that I do not know how to argue with them. If their case were sound, the world should be full of madmen attempting to fly from New York to Philadelphia on a broomstick or covering a telephone with kisses in the belief that it was their enchanted girlfriend.No fairy story ever claimed to be a description of the external world and no sane child has ever believed that it was. The author’s mention of broomsticks and telephones is meant to suggest that （）.
1．在考生文件夹中，存有文档WT4．DOC，其内容如下：[文档开始] 信息安全影响我国进入电子社会 随着网络经济和网络社会时代的到来，我国的军事、经济、社会、文化各方面都越来越依赖于网络。与此同时，电脑网络上出现利用网络盗用他人账号上网，窃取科技、经济情报、进行经济犯罪等电子攻击现象。 今年春天，我国有人利用新闻组中查到的普通技术手段，轻而易举地从多个商业站点窃取到8万个信用卡号和密码，并以6万元出售。[文档结束] 按要求完成下列操作： (1)将文中所有“电脑”替换为“计算机”；将标题段(“信息安全影响我国进入电子社会”)设置为三号黑体、红色、倾斜、居中、加阴影并添加蓝色底纹。 (2)将正文各段文字设置为五号楷体；各段落左右各缩进1厘米，首行缩进0.8厘米，1.5倍行距，段前间距16磅。完成后，以原文件名保存。 2．在考生文件夹中，存有文档WT4A．DOC如下：[文档开始] 五(三)班考试成绩 姓名 计算机原理 高等数学 汇编语言 计算机网络技术 刘学峰 65 94 88 78 陈平 56 67 68 75 张路 78 47 56 78 葛林 85 86 86 67[文档结束] 按要求完成下列操作： 将表格上端的标题文字设置成三号楷体、加粗、居中；将表格中的文字设置成小四号宋体，水平和垂直居中；数字设置成小四号、Times New Roman体、加粗、垂直居中、右对齐。按原文件名保存。
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