有关肠道杆菌的共同特性，下列叙述中错误的是A．G-杆菌，多数有鞭毛和菌毛 B．营养要

下列生物现象，主要受阳光因素影响的是[ ]

A．鱼类的季节涸游

B．仙人掌的叶刺

C．变温动物的冬眠

D．人参在密林下才能生长好

2004年至2005年期间，该分行下属＊＊支行发放了18户的单位汽车消费贷款11425万元，期限2年，担保单位均为汽车经销商＊＊新宝马实业发展有限公司，以及汽车生产商＊＊汽车股份有限公司或母公司＊＊汽车集团有限公司。该汽车经销商通过粘贴再复印等方式，伪造其中10户购车首付款的C行入账会计凭证，金额3998万元，在C行办理贷款5325万元。另外8户贷款的首付款入账凭证为他行会计凭证，无法查验其真伪，在C行办理贷款6100万元。在两年时间里，经办客户经理未与会计结算部门及原件核对，就直接在复印件上加盖“与原件核对一致”印章并签字，该行的业务检查和风险监督也一直没有发现该问题。截至2006年3月31日，前述单位汽车消费贷款余额5227万元，其中不良贷款余额为480万元，如不采取积极的催收措施，潜在风险较大。

问题：

1、以上案例为何性质？

2、主要特点是什么。（首付款未到位系伪造，目的是骗取贷款。）

3、如何防范此类风险。

以涉及的内容为标准，法律原则分为（）

A.社会原则和专门法律原则

B.公理性原则和政策性原则

C.基本原则和具体原则

D.确定性原则和非确定性原则

古典主义

If there is one thing scientists have to hear, it is that the game is over. Raised on the belief of an endless voyage of discovery, they recoil from the suggestion that most of the best things have already been located. If they have, today’s scientists can hope to contribute no more than a few grace notes to the symphony of science.

A book to be published in Britain this week, The End of Science, argues persuasively that this is the case. Its author, John Horgan, is a senior writer for Scientific American magazine, who has interviewed many of today’s leading scientists and science philosophers. The shock of realizing that science might be over came to him, he says, when he was talking to Oxford mathematician and physicist Sir Roger Penrose.

The End of Science provoked a wave of denunciation in the United States last year. "The reaction has been one of complete shock and disbelief, "Mr. Horgan says.

The real question is whether any remaining unsolved problems, of which there are plenty, lend themselves to universal solutions. If they do not, then the focus of scientific discovery is already narrowing. Since the triumphs of the 1960s—the genetic code, plate tectonics, and the microwave background radiation that went a long way towards proving the Big Bang—genuine scientific revolutions have been scarce. More scientists are now alive, spending more money on research, that ever. Yet most of the great discoveries of the 19th and 20th centuries were made before the appearance of state sponsorship, when the scientific enterprise was a fraction of its present size.

Were the scientists who made these discoveries brighter than today’s That seems unlikely. A far more reasonable explanation is that fundamental science has already entered a period of diminished returns. "Look, don’t get me wrong," says Mr Horgan. "There are lots of important things still to study, and applied science and engineering can go on for ever. I hope we get a cure for cancer, and for mental disease, though there are few real signs of progress.

There have not been many genuine scientific revolutions in the past few decades because（）

A. there have been decreased returns in the research of fundamental science

B. there are too many important things for scientists to study

C. applied science and engineering take up too much time and energy

D. today’s scientists are not as intelligent as those in the past