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保险经纪人除了应考虑保险人在保单中规定的条款和条件以外，还应考虑______。
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保险经纪人的重要义务之一是______。
如果客户未指定保险人，保险经纪机构应当______。
保险经纪人制订的保险方案要求______。
The 35-year-old Beijing woman is watching an ad showing a giant television made by the Chinese company Haler. A stream of introduction for the television floats in and out of view, including one about receiving electronic mail over the tube. A suffer tides the waves between skyscrapers, his wash leaving an "@" in the water. The ad is "too direct", she tells an interviewer. "There is this guy talking, telling me all about the product, showing me some images. We get it—but we don"t like it."Since a Shanghai television station aired China"s first TV commercial in 1979, most have been the plain, straightforward, tell-the-name-of-the-product-and-what-it-does kind. Those started disappearing in the U.S. in the late 1960s in favor of more subtle pitches using irony and humor. Now a study says Chinese commercials don"t have to talk down to consumers anymore either—at least the one-third of them living in China"s prosperous cities, and who most interest advertisers.Even the Western agencies that win awards elsewhere for hip, inventive commercials usually keep it simple in China. After all this country only began flirting with capitalism 20 years ago and is fairly new to advertising. And to consumer culture, too. China is still a developing nation where an income of just $2,000 a year qualifies an urban household as middle-class. On the other hand, city people who once aspired to own the "big three"—a television, refrigerator and washing machine—have already moved up to DVD players and mobile phones. And with a population of 1.3 billion, the world"s largest, China is a huge market. That is why the world"s largest companies, from Coca-Cola to Procter & Gamble, are battling it out in China. Advertisers spent more than $500 million dollars through the first half of the year, estimates market researcher, making China the largest advertising market in Asia after Japan.The prevailing view of many of those advertisers and their agencies is that the Chinese don"t yet get clever or subtle advertising and they prefer a straightforward ad with lots of information. But the April survey of almost 500 people in five China"s largest cities discovered "a savvy urban population, tired of a diet of "boring" ads and hungry to be treated as the sophisticated decision-makers they are." In short, the Chinese appreciation of what makes a good ad is no different from their counterparts anywhere else in the world. The author will agree that China"s middle-class households ______.
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