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Why is there no risk to the customer when a bank prints the customer's name to his cheques

？

When anyone opens a current account at a bank, he is lending the bank money, repayment of which he may demand at any time, either in cash or by drawing a check in favor of another person. Primarily, the bank-customer relationship is that of debtor and creditor who is which depending on whether the customer's account is in credit or overdrawn. But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another. Many of these obligations can give rise to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.

The bank must obey its customer's instructions, and not those of anyone else. When, for example, a customer first opens an account, he instructs the bank to debit (把……记入借方) his account only in respect of checks drawn by himself. He gives the bank specimens of his signature, and there is a very firm rule that the bank has no right or authority to pay out a customer's money on a check on which its customer's signature has been forged. It makes no difference that the forgery may have been a very skillful one: the bank must recognize its customer's signature. For this reason there is no risk to the customer in the practice, adopted day banks, of printing the customer's name on his checks, ff this facilitates forgery, it is the bank which will lose, not the customer.

When you have a bank account, you ______. ()

A．must always be in credit

B．can't draw any money if you're overdrawn

C．can draw money without notice

D．can't pay money to anyone else

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更多“Why is there no risk to the cu…”相关的问题

第1题

Why does the writer say" at the risk of inflation" ？（)A．Because he feels that he might b

Why does the writer say" at the risk of inflation" ？ ()

A．Because he feels that he might be exaggerating

B．Because he has recently praised more works than usual

C．Because he finds it hard to be objective

D．Because he feels he may not praise the work sufficiently

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第2题

One reason why the duration of a portfolio of bonds does not properly reflect that por

tfolio’s yield curve risk is that the duration measure:

A.ignores differences in coupon rates across bonds.

B.assumes all the bonds have the same discount rate.

C.assumes all yields change by the same amount.

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第3题

Why can BTS power control be used to increase the capacity (that is, tightening the f

Why can BTS power control be used to increase the capacity （that is, tightening the f

requency re.use in the network)？()

A.It increases the sensitivity of the mobile

B.It increases the number of mobiles with high C/I

C.The power consumption in the radio base station is reduced

D.It reduces the risk of MS receiver saturation

E.It reduces the number of mobiles with low C/I

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第4题

As heart disease continues to be the number-one killer in the United States, researchers h

ave become increasingly interested in identifying the potential risk factors that trigger heart attacks. High-fat diets and "life in the fast track" have long been known to contribute to the high incidence of heart failure. But according to new studies, the list of risk factors may be significantly longer and quite surprising.

Heart failure, for example, appears to have seasonal and temporal patterns. A higher percentage of heart attacks occur in cold weather, and more people experience heart failure on Monday than on any other day of the week. In addition, people are more susceptible to heart attacks in the first few hours after waking. Cardiologists first observed this morning phenomenon in the mid-1980, and have since discovered a number of possible causes. An early-morning rise in blood pressure, heart rate, and concentration of heart stimulating hormones, plus a reduction of blood flow to the heart, may all contribute to the higher incidence of heart attacks between the hours of 8:00 AM and 10:00 AM.

In other studies, both birthdays and bachelorhood have been implicated as risk factors. Statistics reveal that heart attack rates increase significantly for both females and males in the few days immediately preceding and following their birthdays. And unmarried men are more at risk for heart attacks than their married counterparts. Though stress is thought to be linked in some way to all of the aforementioned risk factors, intense research continues in the hope of further comprehending why and how heart failure is triggered.

What does the passage mainly discuss？

A．Risk factors in heart attacks.

B．Seasonal and temporal patterns of heart attacks.

C．Cardiology in the 1980s.

D．Diet and stress as factors in heart attacks.

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第5题

No one can deny that pesticides have improved the ability of farmers to bring their crops

to market. (1)_____ pesticides, farmers no longer have to worry that they will lose an entire crop (2)_____ an army of cut Worms or fruit flies. (3)_____, Americans can rely on a large and varied food supply.

However, we Americans need to become more (4)_____ about the effects those pesticides on our food. More (5)_____, we need to think about what new (6)_____ is necessary to protect ourselves from a (7)_____ too rich in Pesticide residue. If we don't demand greater (8)_____ on pesticide use, we may be surprised, dismayed, and (9)_____ horrified by the consequence of its use.

On the most obvious level, farm workers who continue to use the pesticides (10)_____ their present rate will (11)_____ serious diseases. It's no (12)_____ that farmers (13)_____ to herbicides have a six times greater risk of getting cancer. (14)_____, children who live in homes where pesticides are used have an increased chance of getting childhood leukemia(白血病).

But the farmers are not the only ones (15)_____ risk. Consumers may also suffer serious side effects from daily (16)_____ of foods tainted(污染) by pesticides. Although scientists have yet to prove the link (17)_____, they are concerned that pesticide use may be one reason for the startling increase in various forms of cancer like breast and colon(结肠) cancers.

We need new legislation that (18)_____ stricter standards governing pesticide residues in food. Much of the current legislation is based on ignorance. Simply (19)_____, we allow high levels of carcinogens in our food because we don't know for sure that they do cause cancer in humans. Yet, why should we take the risk？ If there's a chance that a pesticide causes cancer, then it should be (20)_____ from use.

A．In spite of

B．Thanks to

C．Given

D．Provided

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第6题

It has been shown that children who smoke have certain characteristics. Compared with non-

smokers they are more rebellious, their work deteriorates as they move up school, they are more likely to leave school early, and are more often delinquent and sexually precious. Many of these features can be summarized as anticipation of adulthood.

There are a number of factors, which determine the onset of smoking, and these are largely psychological and social. They include availability of cigarettes, curiosity, rebelliousness, appearing thought, anticipation of adulthood, social confidence, the example of parents and teachers, and smoking by friends and older brothers and sisters.

It should be much easier to prevent children from starting to smoke than to persuade adults to give up the habit once established, but in fact this has proved very difficult. The example set by people in authority, especially parents, health care workers, and teachers, is of prime importance. School roles should forbid smoking by children on the premises. This role has been introduced at Summerhill School where I spent my schooldays.

There is, however, a risk of children smoking just to rebel against the rules, and even in those schools which have tried to enforce no smoking by corporal punishment there is as much smoking as in other schools. Nevertheless, banning smoking is probably on balance beneficial. Teachers too should not smoke on school premises, at least not in front of children.

In this passage the author puts an emphasis on ______.

A．the effect of smoking among children

B．the difficulty in preventing children from smoking

C．the reasons why children start smoking among children

D．the measures to ban smoking among children

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第7题

The divorce rate in Britain has leveled off—to roughly one marriage in three—and shows no

sign of reaching the much higher American rate, according to the demographers(人口统计学者) assembled in Bath last week for a conference on the family. There has been no increase in the rate in the last three years and although many expected it to rise a few more percentage points in the next decade, none believed it would reach the 50 percent that exists in America.

One reason for the stabilizations of divorce is the reduction in the risk factors—fewer teenagers marrying, fewer early births in marriage, fewer pre-marital(婚前的) conceptions.

Another reason which was aired at the annual conference of the British Society for Population Studies, was the increase in cohabitation. Some speakers argued that the increase in cohabitation has meant that marital couples are now much more familiar with each other before marriage and therefore less likely to separate.

One out of four couples who marry today have lived together and in the older age groups the proportion is much higher. Some 34 percent of women aged over 25 who marry have cohabited, and over 50 percent of women who are marrying a divorced man or who have been divorced themselves, cohabit before marriage.

Cohabitation in Britain, however, is still considerably lower than in many European states and was described by the demographers as "essentially a part of contemporary courtship". Only a small proportion of people who cohabited had children whereas in Sweden some 40 percent of births were now outside formal marriage. The British rate was 13 percent.

Kath Kiernan of the Centre for Population Studies noted that the present statistics suggested that there was a marginally higher risk of separation for couples who had cohabited, but this could possibly be explained by the fact that the statistics covered a period when cohabiting had not become as socially acceptable as it was today.

A third reason why the demographers thought the divorce rate could stabilize was the economic squeeze(利润等的缩减) and the recession(暴跌), which would mean there was less opportunity to separate because of the lack of housing and employment.

The phrase "levelled off" (Para. 1) most probably means ______.

A．increased

B．decreased

C．fluctuated

D．became stable

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第8题

Part ADirections: Read the following four texts. Answer the questions below each text by c

Part A

Directions: Read the following four texts. Answer the questions below each text by choosing A, B, C or D. (40 points)

British cancer' researchers have found that childhood leukaemia is caused by an infection and clusters of cases around industrial sites are the result of population mixing that increases exposure. The research published in the British Journal of Cancer backs up a 1988 theory that some as yet unidentified infection caused leukaemia—not the environmental factors widely blamed for the disease.

"Childhood leukaemia appears to be an unusual result of a common infection", said Sir Richard Doll, an internationally-known cancer expert who first linked tobacco with lung cancer in 1950. "A virus is the most likely explanation. You would get an increased risk of it if you Suddenly put a lot of people from large towns in a rural area, where you might have people who had not been exposed to the infection". Doll was commenting on the new findings by researchers at Newcastle University, which focused on a cluster of leukaemia cases around the Sellafield nuclear reprocessing plant in Cumbria in northern England. Scientists have been trying to establish why there was more leukaemia in children around the Sellafield area, but have failed to establish a link with radiation or pollution. The Newcastle University research by Heather Dickinson and Louise Parker showed the cluster of cases could have been predicted because of the amount of population mixing going on in the area, as large numbers of construction workers and nuclear staff moved into a rural setting. "Our study shows that population mixing can account for the (Sellafield) leukaemia cluster and that all children, whether their parents are incomers or locals, are at a higher risk if they are born in an area of high population mixing", Dickinson said in a statement issued by the Cancer Research Campaign, which publishes the British Journal of Cancer.

Their paper adds crucial weight to the 1988 theory put forward by Leo Kinlen, a cancer epidemiologist at Oxford University, who said that exposure to a common unidentified infection through population mixing resulted in the disease.

Who first hinted at the possible cause of childhood leukaemia by infection？

A．Leo Kinlen

B．Richard Doll

C．Louise Parker

D．Heather Dickinson

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第9题

For the first time, George Bush has acknowledged the existence of secret CIA prisons aroun

d the world, where key terrorist suspects—100 in all, officials say—have been interrogated with "an alternative set of procedures". Fourteen of the suspects, including the alleged mastermind of the September 11th attacks, were transferred on Monday to the American naval base at Guantanamo Bay in Cuba, where some will face trial for war crimes before special military commissions.

Many of these men—as Mr. Bush confirmed in a televised speech at the White House on September 6th—are al-Qaeda operatives or Taliban fighters who had sought to withhold information that could "save American lives". "In these cases, it has been necessary to move these individuals to an environment where they can be held secretly (and) questioned by experts", the president said. He declined to say where they had been held or why they had not simply been sent straight to Guantanamo, as some 770 other suspected terrorists have been.

Mr. Bush also refused to reveal what interrogation methods had been used, saying only that, though "tough", they had been "safe and lawful and necessary". Many believe that the main purpose of the CIA's prisons was to hide from prying eyes the torture and other cruel or degrading treatment used to extract information from prisoners. But Mr. Bush insisted that America did not torture: "It's against our laws, and it's against our values. I have not authorised it and I will not authorise it".

The pentagon this week issued its long-awaited new Army Field Manual, forbidding all forms of torture and degrading treatment of prisoners by army personnel—though not the CIA. For the first time, it specifically bans forced nakedness, hooding, the Use of dogs, sexual humiliation and "water-boarding" (simulated drowning)—all practices that have been used at Guantanamo and Abu Ghraib.

So why did the president decide now to reveal the CIA's secret programme？ Partly, he confessed; because of the Supreme Court's recent ruling that minimum protections under the Geneva Conventions applied to all military prisoners, no matter where they were. This has put American agents at risk of prosecution for war crimes. Mr. Bush has now asked Congress to ban suspected terrorists from suing American personnel in federal courts.

In terms of literary device, the phrase "an alternative set of procedures" in the first paragraph of the text is a kind of ______.

A．hyperbole

B．euphemism

C．black humor

D．stream of consciousness

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第10题

For the first time, George Bush has acknowledged the existence of secret CIA prisons aroun

d the world, where key terrorist suspects—100 in all, officials say—have been interrogated with "an alternative set of procedures". Fourteen of the suspects, including the alleged mastermind of the September 11th attacks, were transferred on Monday to the American naval base at Guantánamo Bay in Cuba, where some will face trial for war crimes before special military commissions.

Many of these men—as Mr. Bush confirmed in a televised speech at the White House on September 6th—are al-Qaeda operatives or Taliban fighters who had sought to withhold information that could "save American lives". "In these cases, it has been necessary to move these individuals to an environment where they can be held secretly (and) questioned by experts," the president said. He declined to say where they had been held or why they had not simply been sent straight to Guantánamo, as some 770 other suspected terrorists have been.

Mr. Bush also refused to reveal what interrogation methods had been used, saying only that, though "tough", they had been "safe and lawful and necessary". Many believe that the main purpose of the CIA's prisons was to hide from prying eyes the torture and other cruel or degrading treatment used to extract information from prisoners. But Mr. Bush insisted that America did not torture : "It's against our laws, and it's against our values. I have not authorised it—and I will not authorise it."

The Pentagon this week issued its long-awaited new Army Field Manual, forbidding all forms of torture and degrading treatment of prisoners by army personnel—though not the CIA. For the first time, it specifically bans forced nakedness, hooding, the use of dogs, sexual humiliation and "waterboarding" (simulated drowning )—all practices that have been used at Guantámamo and Abu Ghraib.

So why did the president decide now to reveal the CIA's secret programme？ Partly, he confessed, because of the Supreme Court's recent ruling that minimum protections under the Geneva Conventions applied to all military prisoners, no matter where they were. This has put American agents at risk of prosecution for war crimes. Mr. Bush has now asked Congress to ban suspected terrorists from suing American personnel in federal courts.

In terms of literary device, the phrase "an alternative set of procedures" in the first paragraph of the text is a kind of______.

A．hyperbole

B．euphemism

C．black humor

D．stream of consciousness

点击查看答案

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