【正文】 所謂“公 正”，是指理財(cái)規(guī)劃師在執(zhí)業(yè)過程中應(yīng)對(duì)客戶、委托人、合伙人或所在機(jī)構(gòu)持公正合理的態(tài)度，對(duì)于執(zhí)業(yè)過程中發(fā)生的或可能發(fā)生的利益沖突應(yīng)隨時(shí)向有關(guān)各方進(jìn)行披露。投資規(guī)劃是根據(jù)客戶投資理財(cái)目標(biāo)和風(fēng)險(xiǎn)承受能力，為客戶制定合理的資產(chǎn)配置方案，構(gòu)建投資組合來幫助實(shí)現(xiàn)理財(cái)目標(biāo)的過程。A．中央銀行票據(jù)B．優(yōu)先股c．普通股D．結(jié)構(gòu)化產(chǎn)品 答案：C【解析】固定收益證券也稱固定收入證券，它是一種要求發(fā)行者按照發(fā)行時(shí)規(guī)定的時(shí)間和方式向投資者支付利息和償還本金的有價(jià)證券。20．以下屬于客戶非財(cái)務(wù)信息的是（）。A．投資收入B．財(cái)務(wù)自由C．基本收益D．財(cái)務(wù)獨(dú)立 答案：B【解析】只有當(dāng)投資收入涵蓋了全部支出時(shí)，這時(shí)才是達(dá)到了財(cái)務(wù)自由。[2007年5月三級(jí)真題]A．理財(cái)規(guī)劃師分析了趙某各收入支出項(xiàng)目的數(shù)額及其在總額中所占的比例B．理財(cái)規(guī)劃師發(fā)現(xiàn)趙某月供支出占其家庭收入的比重較大，就此情況理財(cái)規(guī)劃師進(jìn)行了詳細(xì)分析C．理財(cái)規(guī)劃師認(rèn)為現(xiàn)金流量表反映了趙某家庭當(dāng)期的部分財(cái)務(wù)狀況D．理財(cái)規(guī)劃師認(rèn)為為了達(dá)到投資收益最大化，是否保持客戶的凈現(xiàn)金流量為正并不重要答案：D【解析】理財(cái)規(guī)劃師應(yīng)該做好客戶的現(xiàn)金規(guī)劃，保證客戶持有一定的日常生活消費(fèi)儲(chǔ)備和意外現(xiàn)金儲(chǔ)備。[2009年5月三級(jí)真題]A．投資規(guī)劃B．養(yǎng)老保障C．教育保障D．現(xiàn)金保障 答案:D【解析】根據(jù)專業(yè)理財(cái)規(guī)劃的基本要求，為客戶建立一個(gè)能夠幫助客戶家庭在出現(xiàn)失業(yè)、大病、災(zāi)難等意外事件的情況下也能安然度過危機(jī)的現(xiàn)金保障系統(tǒng)十分關(guān)鍵，也是理財(cái)規(guī)劃師進(jìn)行任何理財(cái)規(guī)劃前應(yīng)首先考慮和重點(diǎn)安排的。有關(guān)理財(cái)規(guī)劃的理解，以下敘述中（）是正確的。因此，理財(cái)規(guī)劃師職業(yè)操守的核心原則就是個(gè)人誠(chéng)信。概括起來二者的區(qū)別可以體現(xiàn)在（）。t you；3）表示不耐煩用can39。t seem doesn39。t you smokeAt no time _______ in the meeting room.Inweald學(xué)英語 smoking permit be permitted smoking permitted smoking sale usually takes place outside the house, with the audience ___on benches, chairsor seated been seated winners from that key school are wise and diligent, actually there are______students in that school such many many much got a good mark although he had done _____ the as much as much as half half as much half as the USA, both the federal and state governments have laws _____ to guard consumers against deceptive advertisements be designed design 136．It is _____honor for to be invitedInweald學(xué)英語to act as an hostess at the C./ 39。 whoever引導(dǎo)主語從句，失去疑問含義，表示強(qiáng)調(diào)”無論誰；誰……誰就……“等于 anyone who；而who引導(dǎo)名詞性從句時(shí)，who保留疑問含義”誰“。m heading for____ bed and ____ good , a , the , / , a , a , a , the , a of the notebooks ____ Tom had lost on the bus were returned to the main desk at his drink taste a little ____ to strong much strong roommate lost a lot of weight ____ every exercise exercise exercise exercising went to ____ to buy a ruler and a stationer stationer39。此句中表示與過去事實(shí)相反。yet nothing is less precious than precious than precious precious as _____ have been _____ who helped Sunny get her work done? … it … them … them … they know a place _____ I can get a calculator on 39。t expect so.= I expect Believe, think和 suppose。 副詞widely表示比喻含義“廣泛地”；而副詞wide表示具體含義“寬地，完全地” a 限定名詞時(shí)，下文one用來代替；而定冠詞the限定名詞時(shí)，下文that用來代替 read, start, write等不及物動(dòng)詞加上方式狀語或半系動(dòng)詞feel, taste, look等加表語形容詞，在英語中是主動(dòng)形式，而表示漢語中被動(dòng)意義。m not sure this don39。t have not have not have39。的證據(jù)”定冠詞the加上表示時(shí)間的名詞起連詞作用，引導(dǎo)時(shí)間狀語從句。lack 作名詞，后加of短語。C 項(xiàng)前后時(shí)間不一致。t it is the news ____ most parents of the hope that there is a safe and socially approved road to a kind of life they themselves have not had, but their children deprive it deprives deprives it deprivesInweald學(xué)英語 hadn39。clock plane I would like to take from there ______by leave have left left left professor could hardly find sufficient grounds _____his arguments in favor of the new be based on base on to base on which to base that language acquiring ability must be being is is being Wang , _______ for his informativeInweald學(xué)英語lectures，was warmly received by his be known known fact Peter would rather have left for San Francisco than ____ in New stay stayed ____ him so closely。s birthday party, _____? 39。theB./。文章結(jié)尾連用了三個(gè)比喻來形容春天，它們分別突出了春天景象的什么特點(diǎn)？有什么深 刻含義？ 三個(gè)比喻分別突出了春天景象的新、美、力的特點(diǎn)。?(?.欣欣然?呼喚朋友,招引同伴。ng?li225?！搬j釀”一詞的原意是:造酒,本文指?各種氣息在空氣里,像發(fā)酵似的,越來越濃。***?？蓜e惱。春天像剛落地的娃娃,從頭到腳都是新的,它生長(zhǎng)著。(3“散”字生動(dòng)地描繪出野花的多及分布的星星點(diǎn)點(diǎn)、不集中。(?排比、擬人???小草偷偷地從土里鉆出來了。nɡy249。這一句從嗅覺的角度表現(xiàn)了春風(fēng)的馨香與醉人。對(duì)同一自然景物的感受往往會(huì)因人因時(shí)因地而異,作者把春風(fēng)比作“母親的手”,你對(duì)春風(fēng)有什么感受?用一個(gè)比喻句把這種感受寫出來。牛背上牧童的短笛,這時(shí)候也成天嘹亮地響著。春雨圖。C、先靜景后動(dòng)景。D、從物寫到人,由近寫到遠(yuǎn)。傍晚的時(shí)候,上燈了,一點(diǎn)點(diǎn)黃暈的光,烘托出一片安靜而和平的夜。下面對(duì)加點(diǎn)詞解說有誤的一項(xiàng)是(??B?“宛轉(zhuǎn)”一詞在句中的意思是形容聲音圓潤(rùn)柔媚A、從感情色彩看,“賣弄”是褒義詞。⑤h風(fēng)里帶著些新翻的泥土的氣息,混著青草味兒,還有各種花的香,都在微微潤(rùn)濕的空氣里醞釀?！币痪渲小胺路稹钡淖饔檬鞘裁?“仿佛”一詞由實(shí)到虛,由春花聯(lián)想到果實(shí),表現(xiàn)花兒甜香得引人遐想,令人心醉寫蜜蜂鬧和蝴蝶飛與春花圖的描寫有何關(guān)系? 這是側(cè)面寫春花,用蜜蜂、蝴蝶的繁忙表現(xiàn)了花朵多、花色艷,花味甜。B、這段文字可分三層,是按花朵、果實(shí)、野花的次序安排結(jié)構(gòu)的。閉了眼,樹上仿佛已經(jīng)滿是桃兒、杏兒、梨兒?；ㄏ鲁汕С砂俚拿鄯湮宋说佤[著,大小的蝴蝶飛來飛去。C、這段文字可分三層,是按樹上、花下、遍地的次序安排結(jié)構(gòu)的。這段文字使用的修辭方法有?排比、?比喻?、?擬人?。鳥兒將巢安在繁花嫩葉當(dāng)中,高興起來了,呼朋引伴地賣弄清脆的喉嚨,唱出宛轉(zhuǎn)的曲子,跟輕風(fēng)流水應(yīng)和著。五種讀音,請(qǐng)選擇填空。B、“宛轉(zhuǎn)”的意思是溫和而曲折。在鄉(xiāng)下,小路上,石橋邊,有撐起傘慢慢走著的人,地里還有工作的農(nóng)民,披著蓑戴著笠。下列語句從不同角度寫出了春雨的特點(diǎn),請(qǐng)用恰當(dāng)?shù)脑~語概括出來。先近景后遠(yuǎn)景。“最尋?！?、“一下就是三兩天”寫出江南春雨的???多??,作者用“?看?”字領(lǐng)起,狀寫春雨的可愛。雨是最尋常的,一下就是三兩天。??(略文章細(xì)致地描繪了春雨的特征,回憶你讀過的古詩,寫出一句能表現(xiàn)這種特征的詩句隨風(fēng)潛入夜,潤(rùn)物細(xì)無聲。B、像牛毛,像花針,像細(xì)絲,密密地斜織著……、“斜織”這個(gè)詞形象地寫出了細(xì)密、輕盈的春雨在春風(fēng)中的動(dòng)態(tài)特征。n:昏黃不明亮。(擬人 “吹面不寒楊柳風(fēng)”,不錯(cuò)的,像母親的手撫摸著你?！罢！弊稚鷦?dòng)地描繪出野花隨風(fēng)搖動(dòng)的明麗之態(tài)。春天像小姑娘,花枝招展的,笑著,走著。看,像牛毛,像花針,像細(xì)絲,密密地斜織著,人家屋頂上全籠著一層薄煙。作者抓住了春雨的特點(diǎn)細(xì)密和輕盈,從靜寫到動(dòng),從物寫到人,由近寫到遠(yuǎn)。還經(jīng)常用來比喻事物逐漸達(dá)到成熟?“吹面不寒楊柳風(fēng)”一句出自_南宋志南和尚的《絕句》,楊柳風(fēng)指的是吹動(dòng)楊柳的春風(fēng),整個(gè)詩句運(yùn)用了引用的修辭方法,“楊柳風(fēng)”運(yùn)用了借代的修辭方法。o(?嘹?亮?hōng(烘?托?和(h232。?(呼朋引伴???比喻姿態(tài)優(yōu)美。含義：三個(gè)比喻形象地點(diǎn)明了春天的 成長(zhǎng)過程，贊美了春天蓬勃的生命力，表達(dá)了在春天里奮發(fā)向上、創(chuàng)造美好生活的積極進(jìn)取 的精神三個(gè)比喻的順序能否顛倒？為什么？不能顛倒。/。t I39。you should have kept your 39。t met for 20 years, but I recognized her_____ I saw moment the moment moment when the moment when hearing a great noise, Mike looked forward through the window _____ what happened outside the seeing see have seen ______ be driven out of the school if you dare to cheat in the hopes that we can do something to make things better, so we can39。 whichever已失去疑問含義，等于 anything that，表示強(qiáng)調(diào)； 而 which topic中 which保留疑問含義，譯成“哪一個(gè)題目”，不符合句義。如用A項(xiàng),lacking是及物動(dòng)詞的動(dòng)名詞，后面不用介詞of或作不及物動(dòng)詞,后面加介詞in…。如the night/ the minute/ the spring/ the year等。t have of the engineers and professors is working hard at their posts, ____ to acplish the goal as soon as wishing wish is just as hard to persuade my wife not to dance ____ to keep me from the football it is it is is it is it was dark and had to find a house ____ and some wood stay in…to make a fire with stay…to make a fire with stay in…to make a fire stay…to make a fireSome of the middleaged people ____ to the meeting were famous professors.Inweald學(xué)英語 invited invited 64Most green vegetables, ____ for too long, will lose to be cooked cooked cooking being cooked you dislike ancient buildings, Warrick Castle is worth a if that the expense, I