被授权签署借款合同的授信工作人员在签字前必须对（）等内容进行确认，以确保借款合同的合

Dear Ralph,

I'm a newcomer here of a small town. I would describe myself as shy and quietly. ＤBefore my classmates, it seems always difficult for me to do things well as            them. I'm sure they will laugh to me and see me as a fool. So I feel unhappy every day. Besides, I have few friends. I don't know that they don't like to talk with me.

Sometimes, we talked to each other very well in class, but after class we become stranger at once. I am trying to improve the situation since it doesn't seem to work. Can you tell me about what I should do?     

Yours,

Xiao Wei

       “泰国黑米、香米……”这些稻米相信大家都尝过，它们以其优良品质赢得了消费者的喜爱。不仅泰国，越南、缅甸也是世界重要的稻米出口国。这里适宜水稻生长的气候条件是[ ]

A．炎热干燥的气候

B．温和多雨的气候

C．高温多雨的气候

D．寒冷干燥的气候

构成损害赔偿的民事责任不需要同时具备的条件（）

A.行为的违法性

B.行为所引起的危害社会的结果

C.要有损害事实

D.违法行为和损害事实之间要有因果关系

E.行为人有过错

根据我国保险法中对保险的定义，保险的内涵是指（）。

A.保险是一种风险管理的方法

B.保险是一种财务安排

C.保险是一种商业行为

D.保险是一种经济保障形式

我国的公路自然区划的一级区是按（）划分的。

A、自然气候、全国轮廓地理地貌。

B、潮湿类型。

C、各地方的自然特点。

D、各地方的年降雨量。