现行的《银行账户管理办法》企事业单位的存款账户中没有（）。A、基本存款账户B、一般存

二、B型题

与氟哌啶醇合用于安定镇痛合剂的是

A．哌替啶
B．芬太尼
C．喷他佐辛
D．吗啡
E．美沙酮

处于衰退期的行业的风险性( )。

A．最高

B．中等

C．最低

D．较高

现年28岁的路先生在某进出口贸易公司担任高级职员，每月税前收入为9,000元。路先生的妻子黄女士今年27岁，在一家外资企业担任文员，每月税前收入为5,500元。他们有一个宝贝女儿，今年3岁，正在上幼儿园。路先生夫妇刚刚购买了一套价值60万的住房，贷款总额为40万元，贷款利率5.5%,20年还清，他们采取的是等额本息还款方式，刚刚还款一个月。路先生目前在银行的存款有10万元，其中包括银行利息约1,200元（税后）。由于路先生认为投资股票的风险比较高，所以路先生除银行存款外只有总值5万元的债券基金，包括全年取得的收益2,100元。路先生并无其他投资。为应付日常开支需要，路先生家里常备有3,000元的现金。除了每月需要偿还的房贷以外，路先生一家每月的生活开支保持在3,500元左右。去年，陆先生一家除全家外出旅游一次花销6,000元外，并无其它额外支出。由于路先生夫妇所在单位为他们提供了必要的社会保障，因此他们尚未对购买商业保险形成足够的认识。考虑到以后子女教育是一项重要的支出，路先生决定从现在开始就采取定期定额的方式为孩子储备教育金。注：各项财务信息截至2005年12月31日，数据采集时间为2006年1月10日。

路先生家庭的投资与净资产比率为（　　　）。

A．0.25

B．0.22

C．0.12

D．0.14

稳态导热

Electronic mail has become an extremely important and popular means of communication.

The convenience and efficiency of electronic mail are threatened by the extremely rapid growth in the volume of unsolicited commercial electronic mail. Unsolicited commercial electronic mail is currently estimated to account for over half of all electronic mall traffic, up from an estimated 7 percent in 2001, and the volume continues to rise. Most of these messages are fraudulent or deceptive in one or more respects.

The receipt of unsolicited commercial electronic mail may result in costs to recipients who cannot refuse to accept such mail and who incur costs for the storage of such mail, or for the time spent accessing, reviewing, and discarding such mail, or for both. The receipt of a large number of unwanted messages also decreases the convenience of electronic mall and creates a risk that wanted electronic mail messages, both commercial and noncommercial, will be lost, overlooked, or discarded amidst the larger volume of unwanted messages, thus reducing the reliability and usefulness of electronic mail to the recipient. Some commercial electronic mail contains material that many recipients may consider vulgar or pornographic in nature.

The growth in unsolicited commercial electronic mail imposes significant monetary costs on providers of Internet access services, businesses, and educational and nonprofit institutions that carry and receive such mail, as there is a finite volume of mail that such providers, businesses, and institutions can handle without further investment in infrastructure. Many senders of unsolicited commercial electronic mail purposefully disguise the source of such mall.

Many senders of unsolicited commercial electronic mall purposefully include misleading information in the messages’ subject lines in order to induce the recipients to view the messages. While some senders of commercial electronic mail messages provide simple and reliable ways for recipients to reject (or ’opt-out’ of) receipt of commercial electronic mall from such senders in the future, other senders provide no such ’opt-out’ mechanism, or refuse to honor the requests of recipients not to receive electronic mail from such senders in the future, or both.

Many senders of bulk unsolicited commercial electronic mail use computer programs to gather large numbers of electronic mail addresses on an automated basis from Internet websites or online services where users must post their addresses in order to make full use of the website or service.

The problems associated with the rapid growth and abuse of unsolicited commercial electronic mall cannot be solved by the government alone. The development and adoption of techno-logical approaches and the pursuit of cooperative efforts with other countries will be necessary as well.

The word "induce" in Paragraph 5 is closest in meaning to ().

A. cheat

B. introduce

C. provide

D. harm