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下列选项中，应对商业银行内部控制的有效性负责，并对内部控制失效造成的重大损失承担责任的是（）。
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简述镉的毒作用及其机理。
Materials and Tools for Language Learning ① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective. ② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones. ③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish. ④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary. ⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support. With audio courses, you can learn（）
总结阶段就意味标准贯彻的完成。
四站酸浴落差取样点在进酸口和（）。
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