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案例二：王先生购买自用普通住房一套，150平方米，房款共70万元。由于王先生目前积蓄不多，于是决定从银行贷款，贷款七成，采取等额本息方式还款，20年还清（假设贷款年利率为6%）。根据案例二回答问题（计算结果保留到整数位）。 王先生每月的还款额为（）。
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已知某企业资料如下表所示，要求对企业产值和劳动生产率的变化进行因素分析，并回答有关问题，在下列选项中选出正确的答案。时间产值(万元)人数(人)劳动生产率(万元/人)全部(T)生产工人(t)t/T全员(Q)生产工人(%)20036600100055055%6.601220048580120078065%7.1511 为对企业全员劳动生产率的变动进行因素分析，需建立指数体系：可变构成指数=固定构成指数×结构变动影响指数。以下对式中因素指数表述正确的是( )。
资料：2000年5月1日，23岁的刘女士与27岁的周先生按当地风俗习惯举行了盛大的结婚典礼，但双方并没有到民政部门进行结婚登记。2001年，周先生的父母因病先后去世，留下了两居室的楼房。2002年3月8日，刘女士和周先生到当地民政部门办理结婚登记。2005年3月8日，两人因感情不和协议离婚，但在分割财产时对周先生父母所留遗产归属问题二人产生纠纷。根据资料回答问题。 在制定财产分配规划时，理财规划师不需要（）。
Passage ThreeQuestions 31 to 35 are based on the following passage. An understanding of man’s effect on the balance of nature is crucial(关键的)to being able to find the appropriate remedial action. It is a very common belief that the problems of the population explosion are caused mainly by poor people living in poor countries who do not know enough to limit their reproduction. This is not true. The actual number of people in an area is not as important as the effect they have on nature. Developing countries do have an effect on their environment，but it is the populations of richer countries that have a far greater impact on the earth as a whole. For example，tropical forests are known to be essential to the balance of nature，yet we are destroying them at a great rate. They are being cleared not to benefit the natives of that country，but to satisfy the needs of rich countries. Central American forests are being destroyed for grassland to make pet food in the United States cheaper；in Papua New Guinea，forests are destroyed to supply cheaper cardboard packaging for Japanese electronic products；in Burma and Thailand，forests have been destroyed to produce mole attractive furniture in Singapore and Hong Kong. Therefore，a rich person living thousands of miles away may cause more tropical forest destruction than a poor person living in the forest itself. In short，it is everybody’s duty to safeguard the future of mankind-not only through population control，but by being more aware of the effect his actions have on nature. Nature is both fragile and powerful. It is very easily destroyed；on the other hand，it can easily destroy its most dangerous enemy-man. In the author’s opinion，______.
案例一：上官夫妇目前均刚过35岁，打算20年后即55岁时退休，估计夫妇俩退休后第一年的生活费用为8万元（退休后每年初从退休基金中取出当年的生活费用）。考虑到通化膨胀的因素，夫妇俩每年的生活费用预计会以年4%的速度增长。夫妇俩预计退休后还可生存25年，现在拟用20万元作为退休基金的启动资金，并计划开始每年年末投入一笔固定的资金进行退休基金的积累。夫妇俩在退休前采取较为积极的投资策略，假定年回报率为6%，退休后采取较为保守的投资策略，假定年回报率为4%。根据案例一回答问题（计算结果保留到整数位）。 上官夫妇35岁初的20万元资金到60岁初约增值为（）（注：投资25年，投资收益率6%）。
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