根据电力建设安全工作规程（火力发电厂部分）的规定，在充氢设备运行区进行焊接、切割与热

下列关于个人住房贷款合同有效性风险的表述错误的是（）。

A.提供格式条款一方免除其责任、加重对方责任、排除对方主要权利的，该条款无效

B.商业银行作为格式条款的提供方，应当采取合理的方式提请借款人注意免除或限制其责任的条款，并按照对方提出的要求，对该条款予以说明

C.对格式条款的理解发生争议的，应当按照通常理解予以解释

D.格式条款与非格式条款不一致的，应当采用格式条款

经营活动产生的现金流量应当采用间接法列示。（）

阅读理解。

     Today anyone will accept money in exchange for goods and services. People use money to buy food,

furniture, books, bicycles and hundreds of other things they need or want. When they work, they usually get

paid in money.

     Most of the money today is made of metal or paper. But people used to use all kinds of things as money.

One of the first kinds of money was shells.

     Shells were not the only things used as money. In China, cloth and knives were used. In the Phillipine

Islands, rice was used as money for a long time. Elephant tusks, monkey tails and salt were used as money in

parts of Africa.

     The first metal coins were made in China. They were round and had a square hole in the centre. People

strung (串联) them together and carried them from place to place.

     Different countries have used different metals and designs for their money. The first coins in England

were made of tin (锡). Sweden and Russia used copper (铜) to make their money. Later some countries began

to make coins of gold and silver.

     But even gold and silver were inconvenient if you had to buy something expensive. Again the Chinese

thought of a way to improve money. They began to use paper money. The first paper money looked more like

note from one person to another than the paper money used today.

     Money has had an interesting history from the days of shell money until today.

1. In the Philippines Islands _____ was once used as money.

A. rice

B. knife

C. cloth

D. wheat

2. What was the first used as money? 

A. Elephants tusks

B. Cloth

C. Salt

D. Shells

3. The first metal coins looked like _____.

A. square-shaped with some designs on them

B. square-shaped with a round hole in the center

C. round-shaped with a square hole in the middle

D. round-shaped with a round hole in the middle

4. The first paper money ______.

A. was passed from west Asia to China

B. looked like a note used today

C. was first used in Europe

D. looked like a piece of fur

5. We can infer from the passage that _____.

A. paper money isn't difficult to make

B. money must be suited to carry

C. people need money to exchange goods with each other

D. people prefer metal coins to paper notes

甲开发商开发建设一住宅小区，已取得国有土地使用证，正在施工，尚未封顶。

(3)若该在建工程已整体抵押，在无法定优先偿款的情况下，欲估算抵押物的变现价值，测算结果应为( )。

A．抵押价值

B．处分抵押物时的市场价值

C．抵押价值一处分抵押物的费用及税费

D．处分抵押物时的市场价值一处分抵押物的费用及税费