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由于原保险人偿付能力不足而不得不向其他保险人投保时，不仅会给客户带来困难而且还会增加保险经纪人的成本的情况可能是______。
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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. What can we learn about the consumer culture in China
甲、乙、丙、丁四个人。甲向乙借款10万元，将自己的家用电器作为抵押，并与乙订了抵押合同，但没有登记。之后，甲又向丙借款10万元，将已经抵押了的家用电器转移丙占有作为质押。后来甲经营失利，无力偿债。其间，丙把家用电器损坏，交由丁修理，修理费用2万元，丙没有支付2万元修理费，丁留置该家用电器。问： 甲、丙之间的质权是否有效设立为什么
An "apple polisher" is one who gives gifts to win friendship or special treatment. It is not exactly a bribe, but is close to it.All sorts of people are apple polishers, including politicians and people in high offices—just about everybody. Oliver Cromwell, the great English leader, offered many gifts to win the support of George Fox and his party, but failed.There are other phrases meaning the same thing as "apple-polishing"—"soft-soaping" or "buttering-up". A gift is just one way to "soft-soap" somebody, or to "butter him up". Another that is just as effective is flattery, giving someone high praise-telling him how good he looks, or how well he speaks, or how talented and wise he is.Endless are the ways of flattery. Who does not love to hear it Only an unusual man can resist the thrill of being told how wonderful he is. In truth, flattery is good medicine for most of us, who get so little of it.We need it to be more sure of ourselves. It cannot hurt unless we get carried away by it. But if we just lap it up for its food value and nourishment, as a cat laps up milk, then we can still remain true to ourselves.Sometimes, however, flattery will get you nothing from one who has had too much of it. A good example is the famous 12th century legend of King Canute of Denmark and England. The king got tired of listening to the endless sickening flattery of his courtiers. They overpraised him to the skies, as a man of limitless might.He decided to teach them a lesson. He took them to the seashore and sat down. Then he ordered the waves to stop coming in. The tide was too busy to listen to him. The king was satisfied. This might show his followers how weak his power. Which of the following activities has nothing to do with "apple-polishing"
In a recent book entitledThe Psychic Life of Insects, Professor Bouvier says that we must be careful not to credit the little winged fellow with intelligence when they behave in what seems like an intelligent manner. They may be only reacting. I would like to confront the Professor with an instance of reasoning power on the part of an insect which cannot be explained away in any other manner.During the summer, while I was at work on my doctoral thesis, we kept a female wasp at our cottage. It was more like a child of our own than a wasp, except that it looked more like a wasp than a child of our own. That was one of the ways we told the difference.It was still a young wasp when we got it and for some time we could not get it to eat or drink, it was so shy. Since it was female, we decided to call it Miriam.One evening I had been working late in my laboratory fooling around with some gin and other chemicals, and in leaving the room I tripped over a line of diamonds which someone had left lying on the floor and knocked over my card index which contained the names and addresses of all the larvae worth knowing in North American. The cards went everywhere.I was too tired to stop to pick them that night. As I went, however, I noticed the wasp was flying about in circles over the scattered cards. "Maybe Miriam will pick them up", I said half laughingly to myself, never thinking for one moment that such would be the case.When I came down the next morning Miriam was still asleep in her box, evidently tired out. And well she might have been. For there on the floor lay the cards scattered all about just as I had left them the night before. The faithful little insect had buzzed about all night trying to come to some decision about picking them up and arranging them in the boxes for me, and then had figured out for herself that, as she knew practically nothing on larvae of any sort except wasp larvae, she would probably make more of a mess of rearranging them than if she had left them on the floor for me to fix. It was just too much for her to tackle, and discouraged, she went over and lay down in her box, where she cried herself to sleep. When the card index scattered on the floor, the author ______.
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