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Which of the following is the second biggest college in Cambridge
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一、家庭基本情况 胡容棕先生现年45岁，是某有限责任公司的控股股东，该公司为小型制造业公司；爱人陈明莉现年40岁，两人育有一个15岁的女儿与一个7岁的儿子。 二、资产负债情况 1．上月末以成本记账的净资产为924329元。 2．本月末资产负债表如下： 家庭资产负债表(成本记账)(单位：元) 资产 期末数 负债和净值 期末数 定期存款 200000 购房贷款 561680 旧房 326667 负债合计 561680 新房 802400 汽车 104000 股票 58900 基金 10000 净值 940287 资产合计 1501967 负债与净值合计 1501967 三、收支情况 本月现金流量表(税后)(单位：元) 项目 金额 现金流入 丈夫工资收入 16000 妻子工资收入 6000 资本利得 1566 房租 1500 基金赎回 10000 现金流入合计 35066 现金流出 食品 800 衣着 500 教育 1300 交通通讯费 1000 医药保健 900 朋友聚会 600 定期险保费 1200 住宅还贷利息 2808 住宅还贷本金 1931 股票投资 40000 基金定投 1000 现金流出合计 52039 四、保险情况 胡先生10年前购买了一份保额为15万元的20年期定期寿险，保费已缴清。 五、客户特殊情况与理财目标 1．近期，公司的生意受到了国际金融危机的影响，目前有一个接获订单的机会，但是如果接这笔订单就必须扩大公司的产能增加设备的投资，具体如下：期初需增加设备投资250万元，设备预期使用年限为10年，这将使公司第1年末的营业收入增加250万元，其后每年营业收入以5%的比例增长，第1年末的费用增加225万元，其后每年费用成长率为3%，现在胡先生陷入两难。 2．胡先生理财目标为：两名子女将分别于3年后及11年后上大学，学费现值2万元，大学毕业后出国留学两年，学费每年现值20万元；15年后退休，每年退休金现值12万元，准备25年。 六、假设条件 1．胡先生要求的必要回报率为8%。 2．胡先生刚购置新房，贷款七成，15年期，利率6%。学费增长率5%，通货膨胀率3%。 3．假设胡先生适用效用函数U=E(R)-0.005Aσ2，其中A为风险厌恶系数。某风险属性调查问卷设定风险厌恶系数A在2～8之间，根据该问卷测得胡先生的风险厌恶系数A为2。 4．目前票面价格为100元的1年期零息债券价格为97.09元。 5．上表中收入均为税后收入。 根据以下资料回答下列问题： 胡太太准备开办一家公司，生产汽车饰品和儿童玩具两类产品，为增值税纳税人，预计年销售收入(不含税)为90万元，可抵扣进项金额为60万元，期间费用10万元，无其他损益，符合小型微利企业标准。胡太太计划将家里目前闲置的旧房作为库房，将家中的汽车作为公司公务用车。另外，由于胡太太本人缺乏管理经验，在企业经营过程中需要胡先生协助管理。对于纳税人身份选择、车房等资产的处理方式及公司对胡先生劳务报酬支付方式等问题，理财师进行了如下分析： 聘请胡先生作为公司的高级顾问，每年支付其劳务报酬40000元，关于公司对胡先生劳务报酬的支付方式，税负最低的是______。
What’s the strike union made up of
Questions 51 to 55 are based on the following passage. Canadian authorities relayed that suspicion to the U. S. Coast Guard, which dispatched a cutter to intercept the vessel. After a two-week chase, the cutter’s crew finally boarded the Cao Yu 6025, a stateless ship, south of Japan. In the hold, they found damning evidence: 110 tons of tuna and shark fins, and a drift gillnet almost 20 kilometers long--an indiscriminate killer of marine life banned on high seas under an international agreement. Out of sight, and mostly out of mind, the oceans are under siege. Scientists from around the world are reporting global disturbances in the seas that threaten to bring Richard Cashin’s grim warning home to every Canadian household. From the polar seas to the tropics, fish populations have collapsed or teeter on the brink. In a third of the Pacific, plankton that form the foundation of the marine food chain are vanishing. In every corner of the planet, increasing temperatures are obliterating some species, while driving others into unfamiliar waters. As science scrambles to make sense of uneven data, evidence points to an alarming conclusion, the sea, the cradle of life, is dying. The killers are numerous. The most obvious, global over fishing, harvests 70 per cent of the world’s species faster than they can reproduce themselves. But the scientific community is not even sure that is the worst menace to the seas. Other major threats: human pollution, including an estimated 700 million gallons of toxic chemicals dumped into the sea each year, and global warming, widely attributed to industrial production of so-called greenhouse gases, which appears to be affecting ocean temperatures. Sharply pricier seafood is only the mildest consequence; others are far more serious. In many parts of the world, fishing jobs have disappeared. On Canada’s East Coast, 26,000 unemployed former fish workers drew income from the federal government’s Atlantic Ground fish Strategy--15,000 from Newfoundland alone--until its $1.9 billion in funding ran out in August. Far worse, developing countries dependent on marine protein confront the risk of mass starvation. In many regions, rival national claims to the seas’ diminishing harvest hold potential for armed conflict. More terrifying still is the specter of ecological Armageddon, as the oceans lose the capacity to generate the oxygen on which life itself depends. For too many species, extinction has already come. Half a century ago, 600,000 barn door skate swam North America’s Atlantic seaboard. Never intentionally fished, they nonetheless frequently became ensnared in nets or on hooks. By the 1970s, scientists could find no more than 500 skate throughout its previous range. Now, they can’t find any. "If bald eagles were as common as robins and then disappeared, someone would notice," says biologist Ransom Myers of Hallifax’s Dalhousie University. "In the ocean, no one knows. No one cares. " Belatedly, a handful of governments and others have begun to notice, to care and to act, moving tentatively to rein in the worst abuses of the seas. The patrol that spotted the Cao Yu was one of six that Canada donates each year to enforce an international ban on drift nets, blamed for killing dolphins, sharks, turtles, and seabirds, in addition to their intended catch. On September 1, the federal government designated two protected marine habitats at Race Rocks and Gabriola Passage, British Columbia--the first in a promised chain of preserves in Canadian waters where fishing will be banned. On the same day, an international commission concluded three years of study by urging coastal nations to bury their differences and form a world authority to regulate fishing beyond the 200-mile (370-killometer) economic zones of individual states. Questions : The use of the drift gillnet is banned on high seas because they are sea life’s ______ killer.
Robert believes that true friendship ______.
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