简述责任保险合同的特征。

     One famous artist Sheikh went back to his hometown. He hadn't seen one of his friends for many
years, who was a __1__and needy man. When Sheikh asked about him, he was told by people that the
man he was asking about was a rich man and no longer poor. Sheikh__2__to pay a visit to his friend.
     While talking with his friend, Sheikh asked him the__3__for the change in his situation. The man
replied that he had been so poor that he was forced to__4__some properties(财产)that belonged to
him, like furniture(家具). By selling these things, he had collected some money enough to start a__5__
with.
     As he was on his way back to his house with the__6__,  he saw a poor lady__7__by the road. The
man asked the lady the reason, and she__8__that her husband died and her children were hungry.
Hearing this, the man felt__9__for her, and on seeing that she__10__the money more than himself, he
gave all the money to her. He__11__home and spent the night sad and__12__for his family.
     The next morning, surprisingly he was summoned(召唤) to the house of a rich man. He was told by
the rich man that he had six thousand bags of__13__which he wanted to sell quickly and the man could
buy it at a__14__price on loan(借用) from him. The poor man did so and sold the rice__15__. He took
some more bags several days later and in this way he was able to make much more money. Soon he
became rich.