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这项研究结果表明白日梦有助于提高一个人适应新环境的能力。
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案例三：2006年5月赵文光死亡，对所遗财产无遗嘱。赵文光的老伴早亡，赵文光的弟弟赵文利10岁起就跟承他生活，和他相依为命，成家后也经常回来探望照顾他。赵文光有二子一女，长子赵益（1990年死亡），其子赵明（1993年死亡）有一个女儿赵贝贝；次子赵尔（1995年死亡）有一个儿子赵亮；女儿赵珊（2004年死亡）收养一子刘志。现赵贝贝、赵亮、刘志为继承发生争执。根据案例三回答问题。 在本案例中，（）不正确。
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（）。
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（）。
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