王小姐是一个国家公务员，她向银行申请了20年期20万元贷款，利率为5.508%。等额

有线电视系统的系统载波互调比(IM)的最小设计值为( )。

A．44dB
B．47dB
C．58dB
D．64dB

阅读理解。

    Psychologists tell us that there are four basic stages that human beings pass through when they enter and live in a new culture. This process, which helps us to deal with culture shock, is the way our brain and our

personality react to the strange new things we encounter when we move from one culture to another.

    Culture begins with the "honeymoon stage". This is the period of time when we first arrive in which

everything about the new culture is strange and exciting. We may be suffering from "jet lag" but we are

thrilled to be in the new environment, seeing new sights, hearing new sounds and language, eating new kind

s of food. This stage can last for quite a long time because we feel we are involved in some kind of great a

dventure.

    Unfortunately, the second stage can be more difficult. After we have settled down into our new life, we can become very tired and begin to miss our homeland and our family, friends, pets. All the little problems

in life seem to be much bigger and more disturbing when you face them in a foreign culture. This period of cultural adjustment can be very difficult and lead to the new arrival rejecting or pulling away from the new

culture.

    The third stage is called the "adjustment stage". This is when you begin to realize that things are not so

bad in the host culture. Your sense of humour usually becomes stronger and you realize that you are

becoming stronger by learning to take care of yourself in the new place. Things are still difficult, but you are

now a survivor!

  The fourth stage can be called "at ease at last". Now you feel quite comfortable in your new surroundings.

You can cope with most problems that occur. You may still have problems with the language, but you

know you are strong enough to deal with them.

     There is a fifth stage of culture shock which many people don't know about. This is called "reverse (颠倒、交换)culture shock". Surprisingly, this occurs when you go back to your native culture and find that

you have changed and that things there have changed while you have been away. Now you feel a little

uncomfortable back home. Life is a struggle!

1. When does culture shock happen?

A. When you reach your teens

B. When you move to a big city

C. When you meet foreign people for the first time

D. When you go to live in a foreign culture

2. How do you feel during the first stage of culture shock?

A. Lonely and depressed  

B. Bored and homesick

C. Happy and excited  

D. Angry and frustrated

3. How could the third stage be described?

A. Adjustment    

B. Rejection      

C. Enthusiasm    

D. Anger

4. Why might reverse culture shock be a problem?

A. It hardly ever happens.            

B. It is extremely stressful.

C. Most people do not expect it.      

D. It only happens to young people.

美国在20世纪80年代末开始推广信用体系积分系统（FICO）。大多数银行和信用卡公司都用该系统来评估一个人的信用价值及债务偿还能力。FICO积分系统主要包括：支付历史（占比35%）、所欠债务（占比30%）、信用历史长度（占比15%）、正在使用的信用类型（占比10%）和新的信用（占比10%）。一般而言，FICO积分在300～850分。如果信用积分在680分以上，去银行贷款时，银行会毫不犹豫大开绿灯；如果在620～680分，银行就要对用户情况进行进一步评估而后决定；如果在620分以下，银行则要求客户满足规定担保条件或干脆不予办理。

根据上述案例，如果某个人FICO积分为720分，其在申请银行贷款时（）

A.银行大开绿灯

B.银行评估后决定

C.银行要求用户提供担保

D.银行不予批准

大理供电局《设备运行分析业务指导书》规定：生产设备管理部至少（）对全局设备运行情况进行回顾。

A.每季度

B.每半年

C.每个月

我国古代将科举殿试的第三名称为“（）”。

A.状元

B.传胪

C.探花

D.榜眼