Pregnant women who suffer lapses(忘却) in memory or concentration may no longer be able to blame it on "the bump". The idea that bearing children affects one’s brain power---the "baby brain"--is a myth, researchers say. Their study found no difference in how pregnant women or new mothers scored on tests of thinking speed and memory compared with those who were childless. Writing in the British Journal of Psychiatry, the authors said that pregnant women should be encouraged to stop attributing lapses in memory or logical thinking to their growing baby. The findings contradict previous studies that claimed women’s brains decline in size by up to 4 per cent while they are pregnant, potentially leading to worse performance on tests of memory and oral skills. Helen Christensen, author of the latest study, said that the effect was "a myth". Professor Christensen’s team recruited 1,241 women aged 20-24 in 1999 and 2003 and asked them to perform a series of tasks. The women were followed up at four-year intervals and asked to perform the same cognitive tests. A total of 77 women were pregnant at the follow-up assessments, 188 had become mothers and 542 remained childless. The researchers found no significant differences in cognitive(认知的) change for those women who were pregnant or new mothers during the assessments and those who were not. "Not so long ago, pregnancy was ’confinement’ and motherhood meant the end of career aspirations," Professor Christensen said, "but our results challenge the view that mothers are anything other than the intellectual peers of their contemporaries." Cathy Warwick, of the Royal College of Midwives, said that the difficulties of pregnancy and motherhood could explain why some women felt absent-minded or tired. The number of infants in England dying before their first birthday is still greater than in countries such as France, Spain, the Audit Commission says. The health of pre-school children has not significantly improved despite the Government having spent £10 billion, directly or indirectly, since 1998 on improving the health of children under the age of 5 in England. Infant death rates have fallen but are "still relatively high" compared with other European countries. According to the first paragraph, some women attributed lapses in memory or concentration to ______.
A. their pregnancy
B. the "baby brain"
C. an unscientific cause
D. changes to their brains
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Passage One Why did people in old times make noise in the New Year
A. To show how happy they were.
B. To drive away the evil spirits.
C. To warn the thieves and robbers.
D. To sell their drums and sticks.
Passage One What do we know about the practice of celebrating the New Year on January 1
A. Many countries dislike it.
B. All countries observe it.
C. It began with the Americans.
D. It began with the Romans.
下面是一份土地估价技术报告中收益还原法测算说明部分(标注“略”的为正常内容)。请阅读后回答相关问题。 1.确定房地出租客观租金 应用市场比较法确定房地出租客观租金。根据收集的房地出租案例资料,选取了与待估房地产处于同一供需圈内区位条件相似,规模相当,临街状况和建筑物相似的3个房地出租交易实例A、B、C。经过比较分析,计算得到3个案例的比准租金,其中,比准租金A=295.60元/m2,比准租金B=311.50元/m2,比准租金C=280.88元/m2。 根据对市场信息及对估价对象条件的分析,确定取三个比准租金的算术平均值作为评估对象的客观租金,计算过程如下: 客观租金=(295.60+311.50+280.88)元/m2÷3=295.99元/m2 2.计算房地出租年总收益(注:房屋建筑面积为9015m2) 房地年总收益=房屋建筑面积×租金=9015m2×295.99元/m2=2134680元 3.计算房地出租年总费用 房地出租年总费用包括管理费、维修费、保险费、税金和房屋年折旧费等。 (1)管理费。根据调查了解,当地房屋的经营管理费一般为房地年租金的3%,所以, 房屋出租经营管理费=房地年总收益×3%=2134680元×3%=64040元 (2)维修费。根据××市建设和房管部门提供的资料,市区房屋出租年维修费通常为房屋重置价的2%。待估宗地上房屋为钢筋混凝土结构,参照××市房产和物价管理部门公布的各类房屋重置价及耐用年限等标准,结合土地估价师经验判断,确定与待估宗地上房屋同类结构的房屋重置价格为750元/m2,耐用年限60年,残值率为0。 房屋出租维修费=房屋重置价×2%=9015m2×750元/m2×2%=135225元 (3)保险费。根据调查,××市市区房屋保险费率为房屋重置价的0.2%。根据估价师现场勘察和对照《房屋完损等级评定标准》,确定待估宗地上房屋在估价期日为基本完好房,成新率为75%。 房屋年保险费=房屋重置价×0.2%=9015m2×750元/m2×0.2%=13522元 (4)税金。税金包括房产税、营业税两项,其中,房产税按房屋出租年租金的12%计,营业税按房屋出租年租金的5%计。 房产税=房地年总收益×12%=2134680元×12%=256162元 营业税=房地年总收益×5%=2134680元×5%=106734元 税金合计=房产税+营业税=(256162+106734)元=362896元 (5)房屋年折旧费。折旧费按照土地剩余使用年期35计算,残值率为零。 房屋年折旧费=房屋重置价×(1-残值率)/剩余使用年期=9015m2×750元/m2×(1-0)/35=193179元 (6)房地出租年总费用=管理费+维修费+保险费+税金+房屋年折旧费=(64040+135225+13522+362896+193179)元=768862元 4.计算房地纯收益 房地年纯收益=房地出租年总收益-房地出租年总费用=(2134680-768862)元=1365818元 5.计算土地纯收益 (1)土地还原利率的确定。根据市场调查分析,确定土地还原利率为8%。 (2)房屋还原利率的确定。根据市场调查分析,确定房屋还原利率为10%。 (3)计算房屋纯收益。房屋纯收益根据房屋现值还原得到。 房屋现值=房屋重置价×房屋成新度=9015m2×750元/m2×75%=5070938元 房屋纯收益=房屋现值×房屋还原利率=5070938元×10%=507094元 土地纯收益=房地纯收益-房屋纯收益=(1365818-507094)元=858724元 6.计算土地价格 总地价=土地年纯收益/土地还原利率×[1-1/(1+土地还原利率)使用年期]=858724/8%×[1-1/(1+8%)35]元=10008428元 土地单价=10008428元/2504.1m2=3996.82元/m2(注:土地面积为2504.1m2) 请根据上述报告片断回答以下问题: 1.上述报告对所选案例的租金说明不清楚,依据报告的具体内容看,缺少哪些方面的说明 2.上述报告计算房地出租年总收益时,直接使用建筑面积乘以租金标准,漏掉了哪些对总收益有影响的参数 3.上述报告确定土地还原利率为8%,但是缺乏明确的依据。请问确定土地还原利率的方法一般有哪些 4.上述报告中计算房屋纯收益的目的是计算土地纯收益,这种从不动产总收益中剥离出某一部分或者要素的价值的方法,其所遵循的估价原则是( )。(只有一个选项正确,并请填在括号内) A.替代原则 B.最有效使用原则 C.预期收益原则 D.贡献原则
投资连结保险______至少应当确定一次保单的保险保障。
A. 每年
B. 每日
C. 每月
D. 每季