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假设开发法类似于地租原理，只不过地租是每年的租金剩余，假设开发法通常测算的是一次性的价格剩余。( )
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Conventional wisdom says that it is better to be a large company than a small one when credit is tight. Bigger firms have more room for maneuver(机动):They have access to more types of funding, they have more fat to cut, and they have greater bargaining power with lenders. Even so, life is getting ever more uncomfortable for the bigger beasts of the corporate jungle.According to the Federal Reserve’s most recent lending survey, American banks are tightening terms more aggressively for bigger firms than for smaller ones. Lenders are more cautious than theyhave been at least since 1990. The story among European banks is similar. Lenders in emerging markets can be more suspicious of multinational firms than they are of locals. "We just don’t know what they’ve got on their balance-sheets back home," says one bank boss in Africa.Violent movements in exchange rates are causing additional headaches, says Andrew Balfour of Slaughter & May, a law firm. Calculations of financial ratios can be thrown out by wild currency movements, potentially triggering breaches of loan agreements. Companies with sterling-denominated credit lines may find that their facilities are not big enough as a result of the pound’s recent sharp fall, for instance.It is not panic stations yet. Most firms can survive for a while with the credit tap turned off. Analysis by Moody’s, a rating agency, shows that the vast majority of highly rated companies in America and Europe have enough headroom, in the form of cash and undrawn bank facilities, to be able to survive for 12 months without needing new financing. European corporate-debt markets have seen a rare flurry(惊慌) of issues in the past few days by opportunistic, highly rated firms.Governments are also working hard to prop up credit markets. The Fed’s program to buy commercial paper, a form of short-term company debt, had acquired almost ＄300 billion by November 26th. Banks on both sides of the Atlantic are issuing lots of government-backed bonds, which should encourage lending. What kind of measures is being taken by banks along Atlantic（）
Eye behavior, involving varieties of eye-contact, can give subtlemessages which people pick up in their daily life. Warm looks or coldstares tell more than words can. Meeting or failing to meet anotherperson’s eye produce a particular effect. When two Americans look 63. ______.searchingly at each other’s eye, emotions are heightened and the 64. ______.relationship becomes closer. However, Americans are careful about where 65. ______.and when to meet other’s eye. In our normal conversation, each eyecontact lasts only a few seconds before one or both individuals look away,because the longer meeting of the eyes is rare, and after it happens, can 66. ______.generate a special kind of human-to-human awareness. For instance, bysimply using his eyes. a man can make a woman aware of him comfortablyor uncomfortably; a long and steady gaze from a policeman or judge 67. ______.intimidates accused. In the U.S. proper street behavior requires a nicebalance of attention and inattention. You are supposed to look at a passer- 68. ______.by just enough to show that you are being aware of his presence. If youlook too little, you appear haughty; too much, inquisitive. Much eye 69. ______.behavior is such subtle that our reaction to it is largely instinctive.Besides, the codes of eye behavior vary dramatically from one culture to 70. ______.other. In the Middle east, it is impolite to look at other person all the timeduring a conversation; in England, the polite listener fixes the speaker 71. ______.with an inattentive stare and blinks eyes occasionally as a sign of interestand attention. In America, eye behavior functions as a kind of 72. ______.conversational traffic signal control the talking pace and time, and toindicate a change of topic. If you can understand this vital mechanism ofinterpersonal relations, the basic American idiom is there. 67（）
Eye behavior, involving varieties of eye-contact, can give subtlemessages which people pick up in their daily life. Warm looks or coldstares tell more than words can. Meeting or failing to meet anotherperson’s eye produce a particular effect. When two Americans look 63. ______.searchingly at each other’s eye, emotions are heightened and the 64. ______.relationship becomes closer. However, Americans are careful about where 65. ______.and when to meet other’s eye. In our normal conversation, each eyecontact lasts only a few seconds before one or both individuals look away,because the longer meeting of the eyes is rare, and after it happens, can 66. ______.generate a special kind of human-to-human awareness. For instance, bysimply using his eyes. a man can make a woman aware of him comfortablyor uncomfortably; a long and steady gaze from a policeman or judge 67. ______.intimidates accused. In the U.S. proper street behavior requires a nicebalance of attention and inattention. You are supposed to look at a passer- 68. ______.by just enough to show that you are being aware of his presence. If youlook too little, you appear haughty; too much, inquisitive. Much eye 69. ______.behavior is such subtle that our reaction to it is largely instinctive.Besides, the codes of eye behavior vary dramatically from one culture to 70. ______.other. In the Middle east, it is impolite to look at other person all the timeduring a conversation; in England, the polite listener fixes the speaker 71. ______.with an inattentive stare and blinks eyes occasionally as a sign of interestand attention. In America, eye behavior functions as a kind of 72. ______.conversational traffic signal control the talking pace and time, and toindicate a change of topic. If you can understand this vital mechanism ofinterpersonal relations, the basic American idiom is there. 68（）
There are few more sobering online activities than entering data into college-tuition calculators and gasping as the Web spits back a six-figure sum. But economists say families about to go into debt to fund four years of partying, as well as studying, can console themselves with the knowledge that college is an investment that, unlike many bank stocks, should yield huge dividends.A 2008 study by two Harvard economists notes that the "labor-market premium to skill"--or the amount college graduates earned that’s greater than what high-school graduates earned--decreased for much of the 20th century, but has come back with a vengeance (报复性地) since the 1980s. In 2005, the typical full-time year-round U.S. worker with a four-year college degree earned $ 50,900,62% more than the $ 31,500 earned by a worker with only a high-school diploma.There’s no question that going to college is a smart economic choice. But a look at the strange variations in tuition reveals that the choice about which college to attend doesn’t come down merely to dollars and cents. Does going to Columbia University (tuition, room and board $ 49,260 in 2007-08) yield a 40% greater return than attending the University of Colorado at Boulder as an out-of-state student ($ 35,542) Probably not. Does being an out-of-state student at the University of Colorado at Boulder yield twice the amount of income as being an in-state student ($17,380) there Not likely.No, in this consumerist age, most buyers aren’t evaluating college as an investment, but rather as a consumer product--like a car or clothes or a house. And with such purchases, price is only one of many crucial factors to consider.As with automobiles, consumers in today’s college marketplace have vast choices, and people search for the one that gives them the most comfort and satisfaction in line with their budgets. This accounts for the willingness of people to pay more for different types of experiences (such as attending a private liberal-arts college or going to an out-of-state public school that has a great marine-biology program). And just as two auto purchasers might spend an equal amount of money on very different cars, college students (or, more accurately, their parents) often show a willingness to pay essentially the same price for vastly different products. So which is it Is college an investment product like a stock or a consumer product like a car In keeping with the automotive world’s hottest consumer trend, maybe it’s best to characterize it as a hybrid (混合动力汽车): an expensive consumer product that, over time, will pay rich dividends. In this consumerist age, most parents （）
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