填空题Younger people are more likely to talk about their money issues than their elder counterparts，it has been revealed．Saga Personal Finance has found that 14 percent of over-50s are happy to talk about their finances ln (31) ，compared to 21 percent of under.50s．People (32) ．claimed they are unwilling to discuss money openly said they believe those matters should stay private(50 percent)and a tenth explained it was (33) they were embarrassed about their financial situation．Around half of the under-50s said they were happy to (34) ．money with their friends，whereas this fell to 30 percent among the older group．It was also revealed that 71 percent of Brits in a relationship have a separate current (35) ，explaining that they want to keep their money apart as the main (36) ．Nearly a fifth claimed it was because they did not want to take responsibility (37) ，someone else's spending and 12 percent explained this was a good way to avoid arguments regarding finances．However，15 percent of couples said they argue about money more than any (38) ．issue，with one in four having a row about it several (39) a month．It was also interesting to find out that arguments regarding money appear to occur more between couples who have been together a while， (40) may be because they feel more comfortable bringing up the‘sticky’issue．

填空题Trade Secrets Some business information or processes cannot qualify as copyrights, patents, or trade marks. (9) ... Trade secrets include customer lists, pricing information, marketing techniques, management skills, production and engineering techniques, management skills, production and engineering techniques, formulas, research and development, and generally anything that makes a business unique and valuable to a competitor. (10) although know-how usually involves a certain type of trade secrets—those that are more technical, scientific, or managerial in a business. Once trade secrets are released or become part of the public's general knowledge, called the "public domain, " they can be generally used by anyone and cannot be retrieved for the exclusive use of a business. (11) If everyone in the public knows about a trade secret, it loses its value. A business cannot charge another for information that is easily available to the general public. (12) ... (13) ... Normally, a business protects its trade secrets by allowing only a select few employees to know them and by having all employees who use or know trade secrets to agree in a contract never to divulge them. If an employee wrongfully divulges a trade secret, the employer can sue the employee for damages for breach of contract and perhaps a personal injury (tort) committed against the business; the monetary award can be high. Sometimes, businesses would rather use confidentiality agreements with employees to protect trade secrets rather than go through the expense of making some trade secrets patentable since obtaining patents can be costly and time-consuming. Trade secrets can last indefinitely unlike patents; often just the filing of a patent requires disclosure of the innovation and its processes to a government agency for examination. This disclosure can result in the invention being copied illegally or "reverse engineered" by competit6rs. (14) ... A. A trade secret is of great significance to the growth of a business. B. Thus, confidentiality is very important in trade secrets. C. However, they can be protected as valuable knowledge from appropriation by competitors as trade secrets. D. It is for that reason that Coca-cola's formula is kept a tight secret and only a few people on earth know it. E. A trade secret, if properly kept confidential, need not ever be disclosed to the public. F. Anyone who reveals a trade secrete to the public can be punished by law. G. Sometimes trade secrets are called know-how H. There are usually no registrations or filing requirements to protect a trade secret under a country's national law

填空题We are always negotiating, not only in business, but also in our private lives, from deciding what to watch on TV to deciding where to go on holiday. Rarely, in fact, (1) any form of decision reached without some form of negotiation. But (2) we practise the art on a regular basis, it is always useful to review what we already subconsciously know. The following tips provide you (4) strategies for negotiating effectively, no matter (4) situation you find yourself in. Firstly, try to make it a win-win situation. Start with the attitude that all parties should get something out of the deal. Look at the common ground, (5) only at the gaps between you. Secondly, try to find out what is cheap for you but valuable to your negotiating partner and vice versa. Exchanging something you don't want (6) something you actually do want is, of course, the aim of (7) parties involved. Thirdly, be aware of your BATNA, your Best Alternative to a Negotiated Agreement. You won't always get (8) very deal you wanted so you need to bear in mind your best alternative if the negotiation fails. In fact, telling your negotiating partner, "thanks but I can get a better deal elsewhere" often brings about movement in the other side's position! And finally, be creative. Think of the exercise (9) both sides coming together to solve a common problem. Developing the valuable skills you need to negotiate most effectively takes time and effort, but by taking on just a (10) simple techniques, you can make all the difference.

填空题______

填空题and economical way. As basically, some 98% of world trade is having

填空题A Photo Smart Scanner When it was first introduced, the Hewlett-Packard Photo-Smart scanner was an unprecedented bargain for the photo enthusiast. It was capable of scanning prints up to 5x7 as well as film, and it was a compact, convenient to use design. Now after considerable acceptance and success of the original S-10 model, HP has released an S-20 model upgrade. The sleek, diminutive desktop design remains the same, but the scanning specifications for film have been improved, the handling of positive and negative 35mm film has been extended for mounted or film strip format, and the software is now even easier to use, more efficient, and offers a fuller manual control of color adjustment. In other words, none of the compromises imposed by the limitations of the S-10 .are found in the new S-20, and the price of the new model is the same as the original cost of the S-10, $ 499. B Equipment cart Perfect for transporting computers, audio-visual equipment and other office machinery. Nonslip top (W71mm × D483mm × H25mm)with heavy duty 25mm tubular frame, supports equipment weighing up to 159kgs. Lower wire shelf.(W533mm × D330mm)holds additional equipment or supplies. Cart moves easily on four swivel, ball bearing, 102mm rubber wheels. W711mm × D483mm × H737mm, 14kgs. C Mail cart Organise and distribute your mail more efficiently with this sturdy cart constructed of durable 25mm tubular steel. Top basket (W914mm × D406mm × H279mm)takes hanging folders. Bottom basket (W889mm × D400mm × H279mm) is ideal for moving boxes and large packages. Rubber wheels in front and two 203mm rigid wheels in back provide easy mobility. Folds for easy storage. W1117mm × D559mm × H279mm, 20kgs. D Wire management kit Safely organize your equipment wires and cables. Self-adhesive cable tubes, with slide-on covers, attach to the underside of your desk or around your office walls to safely route cables and wires. To group multiple wires, the kit includes an assortment of clamps and ties. E Storage apparatus OPEN-WIRE DESIGN a new approach to the age-old problems of storage and organization in your computer room. Just one wire shelving unit can store all your computer hardware-monitors, CPU's, keyboards in one readily accessible location. It will also reduce dust circulation and improve air-circulation. REINFORCED SHELVES provide extra strength and allow items to slide on and off easily. Though, hard surface resists chipping, scratches and other damage. ASSEMBLES IN MINUTES. You don't even need tools, just snap together sleeves and slide shelf over sleeve to securely lock in place. Shelves are easily adjustable. The floor levellers also adjust for surface irregularities to keep the unit stable.

填空题Some candidates put their CVs in the job boards without aiming to find a job.

填空题Advertising The primary function of advertising is to communicate marketing objectives to selected target audience. It is used to accomplish a number of tasks, using different media vehicles, reaching diverse audience, and gaining interest with a number of creative approaches. However, despite the seemingly endless channels for utilizing advertising, it is basically a marketing communication tool. When we examine unsuccessful advertising campaigns, we often find that advertising was used to accomplish inappropriate tasks. Successful advertising must be oriented to specific objective. Effective advertising is an extension of basic marketing plans and is derived from it. However, advertising goals are not the same as marketing goals. The marketing staff sets the marketing goals or objectives. (9) It also determines how these resources will be distributed to specific target markets and what sales objective can be expected over time and geography. Advertising goals are communication objectives designed to reach the target audience with the appropriate message. Ad. goals are based on marketing objectives, but they are not the same as marketing goals. Note that advertising goals are based on improving communication and consumer attitudes toward a product. (10) Obviously, even sophisticated corporations often confuse marketing and advertising goals. Advertising is the communication arm of the marketing process. (11) Advertising has many roles. It is designed to dispose a person to buy a product, to change minds, or even to advocate less consuming ("demarketing"). (12) Most advertising, however, is for the marketing of goods and services. Advertising is also the everyday culture of virtually every American. It is estimated that the average person sees or hears as many as 1,200 ads and commercials each day. (13) It mirrors this environment and also brings about subtle changes in the behaviour of the publics that uses it. It is no wonder that advertising is one of the most scrutinized of all business enterprises. (14) Advertisers are viewed in many ways by the public they serve. Manufacturers are asking for more tangible evidence of advertising's role in the selling process, and the media are constantly seeking higher advertising rates to cover spiritual expenses. At the same time, the audiences that advertisers seek are becoming even more fragmented. Consumers, despite seemingly fascinated with advertising's creative process, tend to become more cynical and disbelieving about its claims.A. It is a method of delivering a message from a sponsor, through a formal communication channel, to a desired audience.B. It may be used to help elect a candidate, raise money for charity, or support a cause.C. The marketing department decides how to allocate resources to various tasks, including advertising.D. Advertising is part of the social, cultural, and business environment.E. Today, advertising is functioning in a changing economic and social climate.F. It is interesting to note that a survey indicated that a majority of companies wanted to measure advertising success based on sales.G. Before we can determine advertising objectives, it is advisable to distinguish between marketing and advertising goals.H. We're now living in an advertising ag

填空题Effective Banking Supervision Effective supervision of banking organisations is an essential component of a strong economic environment in that the banking system plays a central role in making payments and mobilising and distributing savings. The task of supervision is to ensure that banks operate in a safe and sound manner and that they hold capital and reserves sufficient to support the risks that arise in their business. Strong and effective banking supervision provides a public good that may not be fully provided in the marketplace and, along with effective macro-economic policy, is critical to financial stability in any country. While thecost of banking supervision is indeed high, the cost of poor supervision has proved to be even higher. Banking supervision should foster an efficient and competitive banking system that is responsive to the public's need for good-quality financial services at a reasonable cost. Generally, it should be recognised that there is a trade-off between the level of protection that supervision provides and the cost of financial intermediation. (9) Supervision cannot, and should not, provide an assurance that banks will not fail. In a market economy, failures are a part of risk-taking. (10) Such matters cannot therefore always be entirely the responsibility of banking supervisors; however, supervisors should have in place adequate arrangements for resolving problem bank situations. 1. Providing sound and sustainable macro-economic policies are not within the competence of banking supervisors. Supervisors, however, will need to react if they perceive that existing policies are undermining the safety and soundness of the banking system. (11) Therefore, sound macro-economic policies must be the foundation of a stable financial system. 2．A well-developed public infrastructure needs to cover the following facilities, which, if not adequately provided, can significantly contribute to the destabilization of financial systems: A system of business laws including corporate, bankruptcy, conttact, consumer protection and private property laws; Comprehensive and well-defined accounting principles and rules that command wide international acceptance; A system of independent audits for companies of significant size. 3．Effective market discipline depends on an adequate flow of information to market participants, appropriate financial incentives to reward well-managed institutions and arrangements that ensure that investors are not insulated from the consequences of their decisions. (12) 4．Sufficiently flexible powers are necessary in order to effect an efficient resolution of problems in banks. (13) Where they are not, the prompt and orderly exit of institutions that are no longer able to meet supervisory requirements is a necessary part of an efficient financial system. Forbearance, whether or not the result of political pressure, normally leads to worsening problems and higher resolution costs. 5．Deciding on the appropriate level of systemic protection is by and large a policy question to be taken by the relevant authorities, particularly where it may result in a commitment of public funds. (14) In order to preserve the operational independence of supervisors, it is important to draw a clear distinction between this systemic protection role and day-to-day supervision of solvent institutions. A In the absence of sound macro-economic policies, banking supervisors will be faced with a virtually impossible task. B The way in which failures are handled, and their costs borne, is in large part a political matter involving decisions on whether, and the extent to which, public funds should be committed to supporting the banking system. C Where problems are remediable, supervisors will normally seek to identify and implement solutions that fully address their concerns. D Supervisors will also normally have a role to play because of their in-depth knowledge of the institutions involved. E The lower the tolerance of risk to banks and the financial system, the more intrusive and costly supervision is likely to be, eventually having an adverse effect on innovation and resource allocation. F Off-site monitoring can often identify potential problems, particularly in the interval between on-site inspections. G While thecost of banking supervision is indeed high, the cost of poor supervision has proved to be even higher. H Among the issues to be addressed are corporate governance and ensuring that accurate, meaningful, transparent and timely information is provided by borrowers to investors and creditors.

填空题normally be dispatched within 72 hours. We will inform to you

填空题{{B}}How to approach Reading Test Part Two{{/B}}· In this part of the Reading Test you read a text with gaps in it, and choose the best sentence to fill each gap from a set of eight sentences.· First read the text for overall meaning, then go back and look for the best sentence for each gap.· Make sure the sentence fits both the meaning and the grammar of the text around the gap.· Read the article on the opposite page about management buyouts of companies.· Choose the best sentence from below to fill each of the gaps.· For each gap 9 - 14, mark one letter (A - H) on your Answer Sheet.· Do not use any letter more than once. {{B}}Management buy-outs{{/B}}Involving staff in management buy-out (MBO) negotiations can help smooth the path for the future Employees are becoming increasingly familiar with the fluctuations and instability that their working environments can present. It's not just mergers and acquisitions that can upset the situation. Internal MBOs can also be particularly unsettling for employees In some cases, the MBO takes place to save an ailing company. In others, it is the result of senior management and board disagreements, or is to prevent a hostile takeover bid.{{U}} (9) {{/U}}This insecurity can be very damaging.One of the most important factors, often not considered during the process of an MBO, is the reaction of the workforce, yet it is those employees who more often than not can make or break the future success of any new management team.{{U}} (10) {{/U}}By maintaining channels of communication across the floor, new management teams could find the rank and file a useful ally in the bid to take over. Showing those employees that a buy-out could be to their advantage, creating new opportunities for promotion or career development, will in the long-term be advantageous to the entire company.The challenge for new management teams should be to reinspire employees.{{U}} (11) {{/U}}If the new team doesn't engage old employees in future plans or consider the contribution they can make, the idea that the MBO was meant to save everyone is lost. In this situation, long-term employees begin to see the new management team and shareholders as the only beneficiaries in the buy-out and feel in the end that the only people saved are those at the top of the corporate ladder.{{U}} (12) {{/U}}This will mean that the rescue will fail before it has really started.It is depressingly common for new MBO teams not to learn from the past.{{U}} (13) {{/U}}If the new team can find innovative ways to involve staff actively in various aspects of the buy-out process, the benefits are manifold,{{U}} (14) {{/U}}A package with such components can gain their support and be invaluable in building success for the venture, and is one that enlightened MBO teams tend to adopt.A Including them in any buy-out discussions can improve the new company's future prospects.B In such circumstances it is easy for the new board to make the same mistakes as the old.C Possibilities for realising these include decision-making, setting goals, and offering the chance of a future stake in the new company.D Whatever its origins, those lower down the corporate ranks can often be left out of the equation, wondering what is to become of them.E Nobody benefits if the company fails to meet its objectives.F Yet the new start represents a golden opportunity.G This requirement is particularly relevant when a company has failed or when staff have lost faith in the previous management.H Internal MBOs can also be particularly unsettling for employees.

填空题Underwriters at LIoyds work in groups called s______.

填空题{{B}}PART OEN{{/B}}·You will hear a recruiting manager telling how to find jobs on the web.·As you listen, for questions 1-12, complete the notes using up to three words or a number.·You will hear the recording twice. {{B}}USE WEBS TO FIND JOBS{{/B}}{{I}}General Producers{{/I}}1. Setting up a link or button on the .....................................on the home page.2. Clicking the link to enter the recruiting ...............................................{{I}}Web Recruiting Saftware{{/I}}3. Web recruitment function included in ERP's HR ...........................................4. Specialized recruitment application purchased from ......................................5. Most ......................................... can be operated as a stand-alone product.6. or can be linked to company's HR ........................................................7. Bearing Points created ............................................. to get information.8. Application .............................................................................9. Monster. com host ............................................................... sites.10. Some companies hire people to host .............................................. sites.11. Be sure to have a clear idea about the .................................................12. Prepare a copy of a ........................................................... in hand.

填空题All prices and promotional

填空题It is likely that telecommuting threatens the management control in some companies.

填空题Business Meal Etiquette: the Soup Course Many (31) ... business meal starts with a soup course. (32) ... you have already begun by munching on the bread, this is your first opportunity to demonstrate your table manners to impress or unimpress-your dining companions. Choosing the right spoon is step number one. If the table has been preset, your soup spoon will be the large round or oval one to the far (33) ... of your place setting. If the table has not been fully set, the server will bring your spoon with the soup. I recently found myself on a hunt for my soup spoon (34) ... the waiter had brought the bowl. There was no soup spoon to the right of the place setting and it didn't seem to be anywhere else close (35) ... Just before confessing that I was without a spoon, I spotted a handle sticking out from under the oversized soup bowl. So check the plate first (36) ... you give up. With soup spoon in (37) spoon the soup away from you towards the opposite side of the bowl. If a bit of the liquid should fall from the spoon this will ensure that it will drop into the bowl and not on the front of your nice business attire. Sip your soup quietly from the side of the spoon. Slurping is never acceptable. No matter (38)... hot the soup, at no point should you blow on it to cool it off. You may lift a spoonful slightly level with the bowl and hold it for a (39) ... seconds while it cools off. Be patient and grateful that your soup is (40) ...

填空题Many nations are developing a consensus that public policies can and should promote domestic and global CSR.