第二次世界大战结束后，经济的复苏和社会财富的积累使美国个人理财规划进入了起飞阶段，这反映的是理财规划的（）阶段。

[单选题]请阅读Passage 2，完成第26~30小题。Passage 2“There is one and only one social responsibility of business,”wrote Milton Friedman, a Nobel prize-winning economist,“That is, to use its resources and engage in activities designed to increase its profits.”But even if you accept Friedman's premise and regard corporate social responsibility(CSR) policies as a waste of shareholders' money, things may not be absolutely clear-cut.New research suggests that CSR may create monetary value for companies-at least when they are prosecuted for corruption.The largest firms in America and Britain together spend more than $15 billion a year on CSR, according to an estimate by EPG, a consulting firm.This could add value to their businesses in three ways.First, consumers may take CSR spending as a“signal”that a company's products are of high quality.Second, customers may be willing to buy a company's products as an indirect way to donate to the good causes it helps.And third, through a more diffuse“halo effect,” whereby its good deeds earn it greater consideration from consumers and others.Previous studies on CSR have had trouble differentiating these effects because consumers can be affected by all three.A recent study attempts to separate them by looking at bribery prosecutions under America's Foreign Corrupt Practices Act(FCPA).It argues that since prosecutors do not consume a company's products as part of their investigations, they could be influenced only by the halo effect.The study found that, among prosecuted firms, those with the most comprehensive CSR programmes tended to get more lenient penalties.Their analysis ruled out the possibility that it was firms' political influence, rather than their CSR stand, that accounted for the leniency: Companies that contributed more to political campaigns did not receive lower fines.In all, the study concludes that whereas prosecutors should only evaluate a case based on its merits, they do seem to be influenced by a company's record in CSR.“We estimate that either eliminating a substantial labour-rights concern, such as child labour, or increasing corporate giving by about 20% results in fines that generally are 40% lower than the typical punishment for bribing foreign officials,” says one researcher.Researchers admit that their study does not answer the question of how much businesses ought to spend on CSR.Nor does it reveal how much companies are banking on the halo effect, rather than the other possible benefits, when they decide their do-gooding policies.But at least they have demonstrated that when companies get into trouble with the law, evidence of good character can win them a less costly punishment.The expression“more lenient”is closest in meaning to ____ .

[单选题]关于雌激素的生理作用，以下哪项错误？（　　）

[单选题]在多种利率并存的条件下起决定作用的利率是（）。

[单选题]鱼丸、肉丸比较可能还有的含有的有毒物质是（）。

[问答题]如何正确认识非正式群体，在管理中应采取哪些方法？

[单选题]下列（）称为主桥。

[单选题]女，25岁，乳房外上象限肿物约1cm，无自觉症状，质似橡皮球的弹性感，表面光滑，易于推动。提示（）.

[问答题]简述陆游创作分期及特色

[单选题]肺脓肿特征性X线征象是（）

[多选题]影响运输合理化的因素包括（）。

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