单项选择题

甲、乙、丙、丁4人按份共有一艘轮船，甲占该船70%的份额。现甲欲用该船作抵押向银行申请贷款。如各共有人事先对此事项未作约定，则甲的抵押行为（ ）。

A.须经乙、丙、丁一致同意
B.须经乙、丙、丁中份额最大的一人同意
C.须经乙、丙、丁中的两人同意
D.无须经乙、丙、丁同意
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短文理解听力原文： Credit card fraud is a big problem. Card fraud in the U.S. involving bank cards alone totaled $ 680 million last year, which represented an increase of more than 35% over a 10-year perioD.However, the tide is beginning to turn, and the growth percentage of fraud is diminishing technologies are becoming more widely useD.In 1994, Visa card fraud in the U. S. was as new equal to the figure posted in 1992. At Master Card, bogus card transactions rose 14% from 1993 to 1994. Even so, the growth rate has slowed considerably from the beginning of the decadE.That looks good news for bankers and for average card holders as well.21. What is the passage mainly about?22.How much did bank card fraud involve in U.S. last year?23.What conclusion can we draw concerning card fraud?(21)A.Bank card business.B.Bank card frauD.C.Technologies used in bank.D.International card frauD.
A.S.
B.
21.
C.How
D.S.
E.What
F.Bank
G.
B.Bank
H.
C.Technologies
I.
D.International
J.
单项选择题
用于解释相似资源储备国家之间和同类工业品之间的双向贸易交易理论是由（ ）提出的。
A.美国经济学家克鲁格曼
B.英国经济学家亚当·斯密
C.英国经学学家大卫·李嘉图
D.瑞典经济学家赫克歇尔和俄林
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