题目内容
刘先生的父亲为孙子购买了一份趸缴型年金保险，该保险是在孩子刚出生时投保30万元，从投保当年开始每年年末可以领取6000元，领到75岁。75岁期满后可以一次性领取50万元，这份保险产品的报酬率是()。
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Section B
Directions: There are 2 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C and D. You should decide on the best choice.
Joblessness is far more than an economic misfortune. It can be a psychological disaster for the unemployed and their families. It can cause illness, divide families and create a downward spiral of feelings of worthlessness and lack of self-esteem;
According to research done by M. Harvery Brenner, associate professor of health at Johns Hopkins University, every 1% increase in the unemployment rate translates into 37,000 deaths over the next 6 years, including over 20,000 deaths from heart attacks, 900 suicides and nearly 500 deaths from cirrhosis of the liver. In addition, Brenner estimates that 7,500 unemployed or their families will be admitted to prison after committing a crime or to a mental hospital. "The impact goes well beyond the individual who loses a job," said Brenner. "Stress caused by economic factors affects our national life at every level."
Men who have been socialized as the family breadwinner are especially hard hit by unemployment. They suffer greater depression and anxiety and have a higher possibility of psychotic behavior. than men who are employed. "Nine months seems to be a crucial point when hope and patience give out," said a leading psychologist. After that, "illness, suicide, alcoholism, divorce, and even crime grow at epidemic rate."
Left without a job, many workers feel they have nothing to look forward to. They miss their co-workers and the routine of going to work. For many, the sense of hopelessness grows worse every time they are rejected for a new job. When this happens often enough, the rejection unemployed workers feel may be exacerbated if some friends and neighbors avoid them as if they had a contagious disease.
According to the passage, which of the following is NOT true？
听力原文： Two bombs exploded in Algeria Tuesday as a European Union team met with government leaders to discuss the wave of civilian massacres. One bomb went off at a bus center in the center of the capital of Algeria, killing one person, and an hour later, another bomb blew up in the coastal town of Annaba, killing 3 others. The Algerians agreed to allow European Union deputy foreign ministers into discuss the situation but again, turned down any UN investigation.
(33)
刘先生目前的投资组合情况如下:40万元认沽权证(认沽权证本质为一种看跌期权)，30万元股票型基金，100万元外汇保证金，假设保证金比例为1%，由于常先生投资交易频率非常高，交易成本侵蚀了其一部分投资收益，常先生预留资金30万元准备投资即将推出的股指期货。
刘先生投资的工具以及准备投资的工具中属于金融衍生品的是()。
若小张夫妇在2006年已经还款12次，则还完12次后未还本金为()。
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