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(每小题只有一个最恰当的答案，请将所选答案填入括号内) 案例一：张某在北京购买了一套价格为200万元的住房，面积为180平方米，首付80万元，余款向银行按揭，贷款利率为5.751%。张某选择了等额本息还款方式，分20年还清贷款。 根据案例一，回答1～9题： 借款人在申请住房消费信贷时，银行一般不会给予全额贷款，会要求借款人支付房屋总价款的( )。
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世界经济史表明，每一次大的危机往往伴随着科技的突破，进而推动产业革命形成新的经济增长点。在危机中善于抓住机遇的国家，往往会率先复苏并占据新一轮发展的制高点。英国曾伴随工业革命而崛起，美国则依托二次科技革命而长期占据头号强国的位置。2008年9月爆发的国际金融危机，表面上是发达国家金融监管缺失造成的，实际根源在于现有的科技、产业发展进入了一个衰退期。当前发达国家一面呼吁联手应对危机，一面悄悄为实现科技突破和培育新兴产业而“谋篇布局”。 本段文字意在表明( )。
Nowadays, the Americans frequently read newspaper articles about violent crimes, see rages of inhumanity on the evening news, and hear sound bites on the radio describing cruelty and intolerance. (46) We worry, particularly, about the effects on our children of our own society, a society that is less safe and less hospitable than the one we experienced as children growing up during the 1950’s and 1960’s.(47) In many school districts throughout America, there is already compelling evidence that adolescents have been affected negatively by changing social conditions, including by what many American believe to be a decline of basic human values. Parents and teachers must contend often with adolescent aggression, profanity, and disrespect. Some students display antagonistic attitudes and behave inappropriately. Some students are insensitive and unkind to their classmates, discourteous to adults, and quick to express their anger by raising their voices or using profanity.It is the responsibility of parents to teach their children to be polite, courteous, and forbearing. (48) It is one of parents’ most fundamental responsibilities to impart to their children the values of integrity, decency, and respect for others; teachers and school administrators should never become, however, ethical bystanders. If we wish to realize our educational philosophy not only to educate our students but also to encourage them to accept the innate worth of every human being, we must not surrender the ideal of maintaining a moral community at our school, where all people have an obligation to be polite and tolerant of individual differences.(49) Some individuals believe that school personnel should not interfere with the behavior of students unless it is directly related to learning or affects the safety of individuals who are inside the school building or somewhere on campus. But good teachers and administrators do teach values--not personal, private values but common values of courtesy, mutual respect, persistence, responsibility, and self-reliance.(50) Ideally, educators affirming socially-responsible values taught at home by parents and demanding appropriate vocabulary and good manners from their students should have been valued as competent and successful educators. They should remind the students of saying" please" and" thank you" and remind them of not interrupting when others are speaking. It is very much the responsibility of teachers and administrators to promote our school’s traditions of proper behavior and good sportsmanship. Therefore, school educators should be judged by the moral and ethical climate of their school. All the academic improvements of the school notwithstanding, no teachers should be considered successful educators unless their students graduated not only as successful learners but also as ladies and gentlemen. 46
农药、化肥等农用化学物质的安全性评价须经审查同意的部门是
美国Boston Vincent纪念医院妇产科医师Herbst注意到：于1966～1969年间该院诊断了7例年轻女性阴道腺癌病例，这是一种罕见的女性生殖系统癌症，且多发生于 50岁以上的妇女中。为详细了解这些病例从胚胎期至发病前的情况，以及她们的母亲在妊娠期的情况，Herbst将1969年Boston另一所医院发生的一个阴道透明细胞癌的 20岁女子也包括在内。这样8个病例，每个病例配4个非该病病人作对照，要求与病例在同等级病房中出生时间前后不超过5天的女婴作为对照候选人，优先选择与病例出生时间最近者为对照。对病例、对照以及她们的母亲进行随访调查。通过对8个病例与 32个对照的研究，Herbst等做出结论，母亲在妊娠早期服用己烯雌酚使她们在子宫中的女儿以后发生阴道腺癌的危险性增加。 该研究属于
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