题目内容
随着家庭成员年年龄的增大，叶先生急需为自己的家庭作一个理财计划，假如你接到了这个客户的要求，经过初步沟通面谈后，获得了以下家庭、职业与财务信息：
一、家庭成员状况
四、保险情况
叶先生和叶太太拥有社保，儿子叶明保额为2万元的寿险。
五、理财目标
1．为儿子提供未来一年国外留学的教育开支；
2．实现家庭投资需求，保持家庭资产保值增值；确保家人获得一定的生命保障和医疗保障；退休前将房屋贷款全部还清；
3．退休后，每月支出现值为1500元。夫妇俩届时每年旅游支出现值为6000元。退休余命30年。
六、假设条件
1．通货膨胀率为3%，收入增长率为5%，住房公积金平均报酬率2%，养老公积金平均报酬率5%，银行活期利率0.72%，定期存款利率2.25%，货币利率2%，公积金贷款利率为4%，商业银行贷款利率为5%，复利计值。
2．假设2015年7月叶先生60岁退休，太太55岁退休，60岁退休计发月数139，55岁退休计发月数170。2007年上海月平均工资为2033元，年工资增长率为3%，个人所得税法规关于工资和薪金所得的月税前扣除数为2000元。
3．住房公积金、养老金、医疗保险金和失业保险金分别为税前收入的7%，8%，2%， 1%，“四金”允许税前扣除。
叶先生的税前收入为()元。
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Two divergent definitions have dominated sociologists’
discussions of the nature of ethnicity. The first emphasizes
the primordial and unchanging character of ethnicity. In
this view, people have an essential need for belonging that
(5) is satisfied by membership in groups based on shared
ancestry and culture. A different conception of ethnicity
de-emphasizes the cultural component and defines ethnic
groups as interest groups. In this view, ethnicity serves as
a way of mobilizing a certain population behind issues
(10) relating to its economic position. While both of these
definitions are useful, neither fully captures the dynamic
and changing aspects of ethnicity in the United States.
Rather, ethnicity is more satisfactorily conceived of as a
process in which preexisting communal bonds and common
(15) cultural attributes are adapted for instrumental purposes
according to changing real-life situations.
One example of this process is the rise of participation
by Native American people in the broader United States
political system since the Civil Rights movement of the
(20)1960’s. Besides leading Native Americans to participate
more actively in politics (the number of Native American
legislative officeholders more than doubled), this movement
also evoked increased interest in tribal history and traditional
culture. Cultural and instrumental components of
(25 )ethnicity are not mutually exclusive, but rather reinforce
one another.
The Civil Rights movement also brought changes in the
uses to which ethnicity was put by Mexican American
people. In the 1960’s, Mexican Americans formed
(30) community-based political groups that emphasized ancestral
heritage as a way of mobilizing constituents. Such emerg-
ing issues as immigration and voting rights gave Mexican
American advocacy groups the means by which to promote
ethnic solidarity. Like European ethnic groups in the
(35) nineteenth-century United States, late-twentieth-century
Mexican American leaders combined ethnic with contem-
porary civic symbols. In 1968 Henry Censors, then mayor
of San Antonio, Texas, cited Mexican leader Benito Juarez
as a model for Mexican Americans in their fight for con-
(40) temporary civil rights. And every year, Mexican Americans
celebrate Cinco de Mayo as fervently as many Irish
American people embrace St. Patrick’s Day (both are major
holidays in the countries of origin), with both holidays
having been reinvented in the context of the United States
and linked to ideals, symbols, and heroes of the United
States
Which of the following best states the main idea of the passage？
黄某2001年10月因医疗事故受到吊销医师执业证书的行政处罚，2002年9月向当地卫生行政部门申请重新注册。卫生行政部门经过审查决定对黄某不予注册，理由是黄某的行政处罚自处罚决定之日起至申请注册之日止不满（）。【2003年考试真题】
不寐因虚所致出现
按计划内容的表现形式分类，可将计划分为宗旨、目标、策略、政策、规则、程序、规划和预算等内容。()
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