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某企业向银行贷款100万元，期限一年，名义贷款利率为12%，每季计息一次，问企业实际支付利息是多少？

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某厂向外商订购设备，有两家银行可以提供贷款，甲银行年利率为8%，按月计息;乙银行年利率为9%，按半年计息，均为复利计算。试比较哪家银行贷款条件优越?

（附加题）大多数人至少拥有一两张信用卡，以便于日常消费。但令人惊讶的是，几乎很少有人知道只偿还信用卡账单上的最低必须还款额所带来的后果。我们来分析一下李明的情况。他们各自的信用卡中都有20000元的债务，该信用卡规定每月至少需要偿还债务的3%，或者1000元，什么还款方式支付更多呢？李明没有足够的资金来还款。而李明只能支付每月的最低还款额。李明信用卡余额每个月都要按24%的年利率加收利息。因此，在李明的还款中，一部分是用于支付利息的，另一部分是用来偿还本金的。为了偿清信用卡中的20000元债务，李明在长达8年的时间里合计支付了25518元。在8年中，李明所支付的利息总计为5518元。你能解释信用卡公司给出的24%的年利率的含义吗？

In his 2003 speech at Rice University’s Energy & Nanotechnology Conference, the late Nobel Laureate Richard Smalley highlighted the __ 10 problems for the next 50 years. In his list, sits at the top, and water comes next. Now, with the price of solar power going down, the dawn of a new energy is just around the corner. As a result, is going to be the greatest challenge for humanity.But the water problem is _. First, unlike coal and oil, water cannot be _. Second, water is _ with every other sector of society. Third, while water demands are growing, climate change is intensifying droughts and floods and water supplies are .There are solutions, such as building water-transfer aqueducts, hydroelectric dams, and desalination plants. But they may be incredibly _. It will for scientists to find affordable solutions to the water problem. Before that, everyone should do his or her bit to __ water.

某项目建设期为2年，建设期内第一年贷款为700万元，第二年贷款为600万元。年内均衡发放，且只计息不还款，年利率为8%，则编制该项目的投资估算时，建设期利息总和为多少万元。