Educators today are more and more often heard to say that computer literacy is absolutely necessary for college students. Many even argue that each incoming freshman should have permanent access to his or her own microcomputer. What advantages do computers offer the college students? 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/Any student who has used a word processor will know one compelling reason to use a computer: to write papers. Although not all students feel comfortable composing' on a word processor, most find revising and editing much easier on it. One can alter, insert, or delete just by pressing a few keys, thus eliminating the need to rewrite or re-type. Furthermore, since the revision process is less burdensome, students are more likely to revise as often as is necessary to end up with the best paper possible. For these reasons, many freshman English courses require the use of a word processor. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Computers are also useful in the context of language courses, where they are used to drill students in basic skills. Software programs reinforce ESL (English as a Second Language.instruction, as well as instruction in French, German, Spanish, and other languages. By using these programs on a regular basis, students can improve their proficiency in a language while proceeding at their own pace. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Science students take advantage of computers in many ways. Using computer graphic capabilities, for example, botany students can represent and analyze different plant growth patterns. Medical students can learn to interpret computerized images of internal body structures. Physics students can complete complex calculations far more quickly than they could without the use of computer. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Similarly, business and accounting students find that computer spreadsheet programs are all but indispensable to many aspects of their work, while students pursuing careers in graphic arts, marketing, and public relations find that knowledge of computer graphic is important. Education majors learn to develop grading systems using computers, while social science students use computers for analyzing and graphically displacing their research results. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    It is no wonder, then, that educators support the purchase and use of microcomputers by students. A versatile tool, the computer can help students learn. And that is, after all, the reason for going to college. 

    Is language, like food, a basic human need without which a child at a critical period of life can be starved and damaged? Judging from the drastic experiment of Frederick Ⅱ in the thirteenth century, it may be. Hoping to discover what language a child would speak if he heard no mother tongue, he told the nurses to keep silent. All the infants died before the first year. But clearly there was more than lack of language here. What was missing was good mothering. Without good mothering, in the
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/first year of life especially, the capacity to survive is seriously affected.
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Today no such severe lack exists as that ordered by Frederick. Nevertheless, some children are still backward in speaking. Most often the reason for this is that the mother is insensitive to the signals of the infant, whose brain is programmed to learn language rapidly.If these sensitive periods are neglected, the ideal time for acquiring skills passes and they might never be learned so easily again. A bird learns to sing and to fly rapidly at time, but the process is slow and hard once the critical stage has passed.
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Experts suggest that speech stages are reached in a fixed sequence and at a constant age, but there are cases where speech has started late in a child who eventually turns out to be of high IQ.At twelve weeks a baby smiles and utters vowel--like sounds; at twelve month she can speak simple words and understand simple commands; at eighteen months he has a vocabulary of three to fifty words. At three he knows about 1,000 words which he can put into sentences, and at four his language differs from that of his parents in style rather than grammar.
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Recent evidence suggests that an infant is born with the capacity to speak. What is special about man's brain, compared with that of the monkey, is the complex system which enables a child to connect the sight and feel of, say, a teddy bear with the sound pattern "teddy bear".And even more in-credible is the young brain's ability to pick out an order in language from the mixture of sound around him, to analyze, to combine and recombine the parts of a language in new ways.
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    But speech has to be induced, and this depends on interaction between the mother and the child, where the mother recognizes the signals in the child's babbling, grasping and smiling, and responds to them. Insensitivity of the mother to these signals dulls the interaction because the child gets discouraged and sends out only the obvious signals. Sensitivity to the child's non-verbal signals is essential to the growth and development of language.

    So long as teachers fail to distinguish between teaching and learning, they will continue to undertake to do for children that which only children can do for themselves. Teaching children to readis not passing reading on to them. It is certainly not endless hours spent in activities about reading. Douglas insists that "reading cannot be taught directly and schools should stop trying to do the impossible."
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Teaching and learning are two entirely different processes. They differ in kind and function. The function of teaching is to create the conditions and the climate that will make it possible for children to devise the most efficient system for teaching themselves to read. Teaching is also a public activity: It can be seen and observed.
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    Learning to read involves all that each individual does to make sense of the world of printed language. Almost all of it is private, for learning is an occupation of the mind, and that process is not open to public scrutiny.
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/If teacher and learn roles are not interchangeable, what then can be done through teaching that will aid the child in the quest (探索) for knowledge? Smith has one principal rule for all teaching instructions. "Make learning to read easy, which means making reading a meaningful, enjoyable and frequent experience for children."
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    When the roles of teacher and learner are seen for what they are, and when both teacher and learner fulfill them appropriately, then much of the pressure and feeling of failure for both is eliminated.Learning to read is made easier when teachers create an environment where children are given the opportunity to solve the problem of learning to read by reading.

中国期货业协会、期货交易所依法对期货市场客户开户实行( )。

投资者应当遵守(     )的原则，承担金融期货交易的履约责任，不得以不符合投资者适当性标准为由拒绝承担金融期货交易履约责任。

    Language is, and should be, a living thing, constantly enriched with new words and forms of expression. But there is a vital distinction between good developments, which add to the language, enabling us to say things we could not say before, and bad developments, which subtract from the language by rendering it less precise. A vivacious, colorful use of words is not to be confused with mere slovenliness. The kind of slovenliness in which some professionals deliberately indulge is perhaps akin to the cult (迷信.of the unfinished work, which has eroded most of the arts in our time. And the true answer to it is the same that art is enhanced, not hindered, by discipline. You cannot carve satisfactorily in butter. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    The corruption of written English has been accompanied by an even sharper decline in the standard of spoken English. We speak very much less well than was common among educated Englishmen a generation or two ago. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    The modem theatre has played a baneful (有害的.part in dimming our appreciation of language. Instead of the immensely articulate dialogue of, for example, Shaw (who was also very insistent on good pronunciation ),audiences are now subjected to streams of barely literate trivia, often designed, only too well, to exhibit' lack of communication', and larded (夹杂.with the obscenities (下流的话.and grammatical errors of the intellectually impoverished. Emily Post once advised her readers: "The theatre is the best possible place to hear correctly-enunciated speech. " Alas, no more. One young actress was recently reported to be taking lessons in how to speak badly, so that she should fit in better. 
style=color: rgb(51, 51, 51); font-family: "Microsoft YaHei"; white-space: normal; background-color: rgb(250, 250, 250);/    But the BBC is the worst traitor. After years of very successfully helping to raise the general standard of spoken English, it suddenly went into reverse. As the head of the Pronunciation Unit coyly (含蓄的.put it, "In the 1960s the BBC opened the field to a much wider range of speakers." To hear a BBC disc jockey talking to the latest ape-like pop idol is a truly shocking experience of verbal squalor. And the prospect seems to be of even worse to come. School teachers are actively encouraged to ignore little Johnny's incoherent grammar, atrocious spelling and haphazard punctuation, because worrying about such things might inhibit his creative genius. 

某期货公司的期末财务报表显示，净资产为6000万元，负债为1000万元，客户权益额为68000万元，在计算期末净资本时，假定其资产调整值为1400万元，无负债调整值, 客户因可用资金为负（尚未穿仓）而应追加的保证金为500万元（按期货交易所规定的保 证金标准计算）。请回答公司期末资本为（   ）

某期货公司的期末报表显示，其净资本为6000万元。监管部门发现该公司报表存在以下问题：第一，公司使用部分闲置的自用资金用于申购新股，在期末时仍有2000万元处于申购新股冻结状态，公司未对这部分资金进行风险调整(申购新股资金的风险调整比例为5%1；第二，公司资产负债表中的“期货风险准备金”为200万元，但公司在计算净资本时，未对该项目进行风险调整。在针对上述问题进行调整后，该公司的期末净资本实际为( )。

该公司下列风险监管指标中低于规定标准的是( )。