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假定目前银行两年期定期存款利率为4.87%，则两年期保证收益理财计划可以承诺的无附加条件保证收益率是( )。
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Text 4A friend of mine had a grandfather who supervised the payroll at a large company long ago. People who knew him say this man was a paragon of virtue when it came to making sure the employees were treated fair and square on every payday. But he also believed that once wages were disbursed, workers should take full responsibility for their financial security. In his view, honest labor and thrifty habits were basic elements of the free-enterprise system. Nobody should expect any money unless they earned it. He opposed company pension plans, and was thoroughly dismayed by the fiscal structure and benefits of Social Security.I wonder how many people hold the same views now. The debate about changing Social Security is part of a larger question: What obligation, if any, do Americans feel toward fellow citizens who need help Note, I didn’t say "less fortunate," "disadvantaged," or some other term that might be construed as evidence I’m promoting my own brand of social engineering. I just want to know how much concern people have for what happens outside their own households.Critics of government assistance programs often say they do more harm than good by creating a cycle of dependency for recipients and a gigantic bureaucracy that demoralizes the rest of society by taking money away from us and creating a welfare state of slackers.The term I prefer to describe our current situation is safety-net culture." It has lots of problems, but I also know what life was like before safety nets, because my dad gave me abundant testimony from his 1920s boyhood near San Francisco—it was no Norman Rockwell painting His father worked for the Southern Pacific Railroad Company, so they did have a house. But one neighbor lived in a tent on a vacant lot and another was known for owning only one pair of overalls, which his wife laundered in a tub on the stove on Saturdays while he sat by, wrapped in a blanket. My dad’s family often ate boiled rice for breakfast. The beverage of choice was tea, but if that ran out they made "silver tea"—hot water with milk and sugar. Money for college wasn’t in the family budget. My dad got his degree thanks to the GI Bill.Decades of safety-net culture have removed a lot of anxiety from our lives but we’re still not close to Utopia. Amid all the Social Security debate about aging baby boomers and shrinking worker contributions, I’m most compelled by this statistic: Close to 20 percent of retirees get all of their income from Social Security. Should that number be a source of national pride or embarrassment Or perhaps a better question: How do you honestly feel about drinking silver tea during your golden years The author mentions his family story in paragraph 4 to show that（）
下列行为违反公平对待所有客户行为准则的是( )。
Text 1Mark Twain once observed that giving up smoking is easy. He knew, because he’d done it hundreds of times himself, Giving up for ever is a trifle more difficult, apparently, and it is well known that it is much more difficult for some people than for others. Why is this soFew doctors believe any longer that it is simply a question of will power. And for those people that continue to view addicts as merely "weak", recent genetic research may force a rethink. A study conducted by Jacqueline Vink, of the Free University of Amsterdam, used a database called the Netherlands Twin Register to analyse the smoking habits of twins. Her results suggest that an individual’s degree of nicotine dependence, and even the number of cigarettes he smokes per day, are strongly genetically influenced.The Netherlands Twin Register is a voluntary database that is prized by geneticists because they allow the comparison of identical twins (who share all their genes) with fraternal twins (who share half). In this case, however, Dr. Vink did not make use of that fact. For her, the database was merely a convenient repository of information. Instead of comparing identical and fraternal twins, she concentrated on the adult fraternal twins, most of whom had completed questionnaires about their habits, including smoking, and 536 of whom had given DNA samples to the register.The human genome is huge. It consists of billions of DNA "letters", some of which can be strung together to make sense (the genes),but many of which have either no function, or an unknown function. To follow what is going on, geneticists rely on markers they have identified within the genome. These are places where the genetic letters may vary between individuals. If a particular variant is routinely associated with a particular physical feature or a behaviour pattern, it suggests that a particular version of a nearby gene is influencing that feature or behaviour.Dr. Vink hopes that finding genes responsible for nicotine dependence will make it possible to identify the causes of such dependence. That will help to classify smokers better (some are social smokers while others are physically addicted) and thus enable "quitting" programmes to be customised.Results such as Dr. Vink’s must be interpreted with care. Association studies, as such projects are known, have a disturbing habit of disappearing, as it were, in a puff of smoke when someone tries to replicate them. But if Dr. Vink really has exposed a genetic link with addiction, then Mark Twain’s problem may eventually become a thing of the past. The word "customized" (Lines 3～4, Paragraph 5) can best be substituted by（）
Most of us would like to be both (1) and creative. Why was Thomas Edison able to invent so many things Was he simply more intelligent than most people Did he spend long hours toiling away in private Surprisingly, when Edison was a young boy, his teacher told him he was too (2) to learn anything. Other famous people whose creative genius went (3) when they were young include Walt Disney, who was fired from a newspaper job because he did not have any good ideas and Enrico Caruso, whose music teacher told him that his (4) was terrible.Disney, Edison and Caruso were intelligent and creative men; (5) , experts on creativity believe that intelligence is not the same as creativity. Creativity is the ability to think about something in new and unusual ways, and to (6) out unique solutions to problems. When creative people are asked what enables them to solve problems in new ways, they say that the ability to find affinities between (7) unrelated elements plays a key role. They also say that they have the time and independence in a(an) (8) setting to (9) a wide range of possible solutions to a problem.How strongly is creativity (10) to intelligence (11) most creative people are quite intelligent, the (12) is not necessarily true. Many highly intelligent people (13) measured by IQ tests) are not very creative.Some experts remain skeptical that we will ever fully understand the creative process. Others believe that a psychology of creativity is within reach. Most experts agree, (14) , that the concept of creativity as (15) bubbling up from a magical (16) is a myth. Momentary (17) of insight, (18) by images, make up a (19) part of the creative ’process. At the heart of the creative process are ability and experience that (20) an individual’s effort, often over the course of a lifetime. Read the following text. Choose the best word(s) for each numbered blank and mark A,B,C or D on ANSWER SHEET Ⅰ.8（）
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