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It remains that if wecling_______outdated principles—no matter how clever our models—we change nothing.

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Some personal characteristicsplay a vital role in the developmentof one’s intelligence. But people fail to realize the importance of cultivating these factors in young people.The so-called “non-intelligencefactor”include1feelings, will, motivation, interests and habits. After a 30-year follow-up study of 8,000 males, American psychologists found out that the main cause of 2in intelligence is not intelligence 3, but non-intelligence factors including the desire to learn, will-power and self-confidence.4 people all know that one should have definite objectives, a strong will and good learning habits, quite a number of teachers and parents don’t pay much attention to5these factors.Some parents are greatly worried6their children fail to do well in their studies. They blame either7factors, malnutrition, or laziness, but they never take into consideration these non-intelligence factors. At the same time, some teachersdon’t8into these, as reason why students do poorly. They simply give them more course and exercises, or even rebuke or9them. In the end, these students lose self-confidence. Some of them just feel defeated and10 themselves up as hopeless. Others may go 11 because they are sick of learning. Another investigation of more than 1,000 middle students in Shanghai showed that 46.5 percent of them were afraid of learning, becauseof examination, 36.4 percent 12 persistence, initiative and conscientiousness and 10.3 percent were It is clear 13 the lack of cultivation of non-intelligence factors has been a main14 to intelligence development in teenagers. It even causes an imbalance between physiological and 15 development among a few students.

某股票现时价格为25元,投资者预期1年后可获得每股2元的股利,预计1年后的价格为28元,则股东的预期收益率为()。

A. 20%
B. 18%
C. 15%
D. 8%

预计某公司明年每股将发放股利2元,假定该公司的股利年增长率为2%,市场平均收益率为10%,则利用稳定增长模型所测定的该公司股票价值为()元。

A. 12
B. 18
C. 20
D. 25

甲公司2015年1月1日准备投资购买A股票,该股票2015年股利预计为每股0.6元,当前的股票市场价格为20元/股,预计未来股利的年增长率保持5%不变,则该股票的预期收益率为()。 A.6% B.8% C.8.15% D.10%

A. 6%
B. 8%
C. 8.15%
D. 10%

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