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案例五：夏某夫妇计划于明年生育一个宝宝，请理财规划师为其调整家庭的风险管理和保险规划。根据案例五回答问题。 夏太太的朋友计划届时为自己的孩子购买和夏太太孩子相同的保险，由于夏太太的朋友工作繁忙，约定请夏太太在购买自己孩子保险的同时，也以投保人的身份为夏太太朋友的小孩购买保险产品，夏太太的朋友提前支付保险费用给夏太太，对于这一约定，理财规划师的建议是（）。
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Passage TwoQuestions 26 to 30 are based on the following passage. Online learning is also called distance education，which helps students who take classes by computer over the Internet to learn certain courses and earn a degree. And it has become more and more popular with both young people and educational institutions. The School of Continuing and Professional Studies of New York University in Manhattan began online classes in 1992. Its Virtual School has taught more than 10,000 students from across the United States and other countries. Last year，the school launched NYU Online. It offers NYU’s first online programs for a bachelor’s degree. Programs are offered in three areas：leadership and management，information systems management and social sciences. The classes are highly interactive，where students communicate with each other and their teachers. Some classes require students to log in at the same time 80 they can attend live lectures by a professor. Students can also ask questions and work together on team projects. The cost to attend NYU Online depends on how many classes a student is to take. It costs as much as fifteen thousand dollars a year. NYU offers no financial aid for international students in this program. If you are interested in the program，you can get more details at the website：www. nyu. edu. Many other schools，too，offer online education. Students should be especially careful of programs that offer a degree in return for little or no work. These are known as diploma mills，and are illegal in the United States. Educational advisers also say that before you enter any program，make sure the work will be recognized in your country. You should also make sure the schools you are considering are officially approved. It can be inferred from the passage that international students in the programs______.
案例二：王先生购买自用普通住房一套，150平方米，房款共70万元。由于王先生目前积蓄不多，于是决定从银行贷款，贷款七成，采取等额本息方式还款，20年还清（假设贷款年利率为6%）。根据案例二回答问题（计算结果保留到整数位）。 王先生每月的还款额为（）。
已知某企业资料如下表所示，要求对企业产值和劳动生产率的变化进行因素分析，并回答有关问题，在下列选项中选出正确的答案。时间产值(万元)人数(人)劳动生产率(万元/人)全部(T)生产工人(t)t/T全员(Q)生产工人(%)20036600100055055%6.601220048580120078065%7.1511 为对企业全员劳动生产率的变动进行因素分析，需建立指数体系：可变构成指数=固定构成指数×结构变动影响指数。以下对式中因素指数表述正确的是( )。
资料：2000年5月1日，23岁的刘女士与27岁的周先生按当地风俗习惯举行了盛大的结婚典礼，但双方并没有到民政部门进行结婚登记。2001年，周先生的父母因病先后去世，留下了两居室的楼房。2002年3月8日，刘女士和周先生到当地民政部门办理结婚登记。2005年3月8日，两人因感情不和协议离婚，但在分割财产时对周先生父母所留遗产归属问题二人产生纠纷。根据资料回答问题。 在制定财产分配规划时，理财规划师不需要（）。
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