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简答题(1) Even as exchanges emerge to enable rich interaction among companies, businesses are looking forward to the Internet to enable the adoption of truly dynamic pricing . One solution is emerging in the form of bots, software that serves as an agent acting on behalf of a specific user or application. Advancing bot technology enables dynamic, automated, real-time interaction between buyers and sellers, allowing sellers to capture the true value of their goods in the market. (2) The implications for businesses are vital, since this emerging technology may change how companies sell their goods. Ramifications companies need to take steps to address include: Disintermediation of individual auction environments through bots that allow buyers to automatically poll multiple auction services and fixed-price channels to garner advantageous terms; (3) Development of exchanges that aggregate the information harvested by bots in order to reduce transaction costs and eliminate concerns of fraud; and (4) The emergence of the bot-aggregator exchange as a primary sales channel, which employs rules to enable transactions. (5) The bot future is not yet certain. For example, providers must find ways to reduce per-transaction costs before widespread adoption can occur. But the powerful connectivity of the Internet is rapidly evolving the buyer/seller relationship. With bot technology advancing quickly, companies should prepare for a future priced for demand. 将（5）划线上的句子翻译成汉语
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已知年利率为12%，按季度复利计息，则年实际利率为（）
案例分析题Relaxation therapy ( = treatment). If you read the sentence out loud, your blood pressure will go up. If you talk to another person, it will go still higher. If the talk is with your boss, your pressure will go even higher. If you speak to someone of the opposite sex, your pressure may show less change if you’re married than if you’re single. Dozens of times each day, your blood pressure changes with what you’re feeling and doing. These “ups and downs” take place in everyone, but they are more severe in people with high blood pressure. That discovery is the basis for the newest therapy: controlling blood pressure by learning skills to control everyday stress. Many patients control their blood pressure with the relaxation response. This takes four simple things: a quiet environment, a comfortable position (sitting or lying down), the repeating of a word, prayer or phrase each time you breathe and having none of other thoughts. Something remarkable happens when you do this, according to research in Boston. Relaxation of the mind and body has the effect that some blood-pressure pills would have. What’s more, the blood pressure stays lower, just as it would with a pill, after you have stopped the relaxation and have returned to the stress of daily life. The first paragraph tells us the reason why your blood pressure goes up is that（）.
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