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[多选题]实践客体具有三种基本类型，包括（　　）

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3. 4.Present pension structures no longer work. They were established inA more youthful period with relatively few older people who were often poorAnd iii,And generally spent onlyA short time in retirement. In richCountries today, older peopleAre often well-offAnd in good health,AndAre spendingAround 20 years in retirement. Therefore there is the need for reform.This survey has presented theArguments for more private fundingAnd for fairer pensions. SuchChanges willCreate motives for individuals to takeCharge of their own retirement needs rather than leaving the task to the state. This, in turn, will make the provision of public pensions moreAfford-Able.Even so, the state willContinue to playA leading role in pensions.AtA minimum, governments must offerA safety net, probably in the form ofADefinedBenefit financed through taxation, for people who for some reason have notBeenAble to provide for themselvesAnd who would otherwiseBe miserable in oldAge. MoreBroadly, there isACase for the state to offerA slimmed-down pay-as-you-go pension system,AlthoughAs farAs possible this shouldBe organizedAlongDefined-contributions lines. Such provision widens the range ofAssets to include humanCapitalBecause the effective returnComes from total wages,And offersA safe if low return.GovernmentsAlso have toCreateA suitable framework for effective private pensions.Administrative(行政的)expenses have toBe tightlyControlled,AndAppropriate tax motives have toBe offered to encourage voluntary pension saving. Where the state providesA generous safety net, private-pension saving may have toBe made mandatory(强制的), otherwise many people will notBother.So much for theDevelopedCountries,But what of the more youthful populations of tile rest of the world? In 1994, the WorldBankCameDown heavily in favor of more funding in privateAccounts. It thought the state's role shouldBe to provideA smallish first pillar with the limited task of providing protectionAgainst old-age poverty,And toCommandA privately-funded second pillar to provide theBulk of pensions.36. More private fundingAnd fairer pensions____.A. Can urge people to save more private-pensionsB. mayBe financed through taxC. Can lessen theBurden of the stateD. Can provide more public pensions
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5. 22. No one knows why we sleep, but it’s certain that we need to. People who are prevented from sleeping begin to suffer obvious effect after a few days --- they think less clearly, and they fall asleep during the working hours. Some may have hallucinations (幻觉). There are no rules about sleep. Generally speaking, grown-ups sleep about seven and a half hours each night and probably more than 60 percent get between seven and eight hours. But perhaps eight percent are quite happy with five hours or less, and four percent or so find that they want ten hours or more. If you feel all right, you’re probably getting enough sleep. The important thing is not to worry how much other people get --- their needs may be different. Exercise doesn’t seem to increase the need for sleep, office workers, for example, sleep for about as long as people doing physically active work. Children sleep more than grown-ups --- perhaps fourteen to eighteen hours soon after birth, going down to grown-up levels by early teen-age. Sleep patterns also tend to be different in the elderly, who may sleep less at night than they did when younger. They find sleep getting more broken, and often make it a rule to sleep during the daytime.(10分)22.1 According to the passage, some people are unable to think clearly because ________.(2分)A. they have hallucinationsB. they sleep for too many hoursC. they don’t have enough sleep D. they feel sleepy during the working hours

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