最佳的预算流程为（）。 正确。 错误。
某财险公司资产管理部的一个投资经理在构建投资组合的过程中，考虑购买一定额度的证券投资基金或保险资产管理产品。该部门的研究员经过认真分析后，推荐了如下四个投资标的。这四个投资标的的基本信息如下表所示：
保险公司进行投资组合管理时，决定其应当投资于哪类金融资产及选择哪种投资策略的关键因素是（）。 正确。 错误。
2009年10月，C寿险公司推出一款XX终身寿险产品，保险金额为50万元，35周岁男性若选择一次性交费，保险费为30000元，若选择5年分期交费，每年需交保险费7000元。2009年10月25日，赵某（35周岁，男）向C寿险公司申请投保该终身寿险，被保险人为赵某本人；10月26日，赵某缴纳的保险费到账；10月28日，C寿险公司同意承保并签发保单，保险单上载明的保险期间为：2009年10月29日零时起至被保险人身故时止。若赵某选择一次性交费，C寿险公司2009年10月应确认的保费收入为（）元。 正确。 错误。
王某分别购买了长江寿险公司的投资连结保险和传统寿险，保额均为10万元，长江寿险公司按照监管规定，分别对以上两个险种的法定偿付能力额度提取准备金。投资连结帐户现有某企业债券1000单位，每单位赎回价值10元。此时长江寿险公司因其他业务影响，负债增加。若此时王某选择退保，退保费用100元，那么投资连结账户的保单现金价值为（）元。 正确。 错误。
Lucky is the man who has no "skeleton in his closet". When
a man has done something in his life that he is ashamed of, that he wants to
hide, he is said to have a "skeleton in his closet". Some people may have more
than one skeleton. As we have noted many times, it is
hard to find out how these expressions begin. Sometimes, we get some hard facts.
But more often we have to depend on guesswork. And that is true of this phrase,
which came from England. Before 1932, English law did not
permit a doctor to cut open a dead human body for scientific examination, unless
it was the corpse (尸体) of an executed (处决) criminal. But when
it became legal, more and more doctors demanded skeletons for a more scientific
study of medicine. It was helping in the advance of modern medicine. The demand
had become so strong that men began to rob tombs and sell skeletons to doctors
at high prices. We are told that a doctor would usually buy
just one skeleton for scientific study. It became very important in his work.
But he had to keep it hidden because most people objected to keeping such a
thing. As a rule, the doctor would keep his skeleton in some dark corner where
it could not be seen, or hide it in a closet. After a time,
people began to suspect (怀疑) every doctor of hiding a skeleton in the closet.
From this suspicion, the phrase "a skeleton in the closet" took on a broader,
more general meaning to describe anything that a man wanted to keep others from
discovering. It could be proof of a criminal act, or something much less
serious. Well, that is one theory. One writer, however,
believes that the phrase might have come from something that really happened. It
is his guess that a hidden closet in some old English country home may have
turned up a real skeleton, clear proof of some old family shame or crime. Well,
one man’s guess is as good as another. But this sounds like a story by the great
French novelist, Balzac. Baizac tells us of a man who suspected
his wife of having a lover. The husband comes home by surprise. But she hears
him and quickly hides her lover in the closet of her bedroom. He enters her room
and asks her if she is hiding her lover. He says he will not open the door to
the closet if she promises him there is no one there; He will believe her. She
answers firmly that she is not hiding anyone in the closet. The
husband then begins to build a solid brick wall against the closet. His wife
watches, knowing that her lover will never come out alive. But she will not
change her story and admit her guilt.From the story Balzac told we know that the wife’s lover must have
become （）. 正确。 错误。
在美国，固定保费的变额寿险与传统寿险的不同主要体现在前者的现金价值随独立账户的投资业绩变化，但有最低保证收益。
