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The classic American identity theft scam works like this: the thief convinces some bank or credit card company he’s actually you and borrows God knows how many dollars in your name. Once you discover and report this, you’re not liable for money the bank lost, but neither are you entitled to compensation for the time and effort you spend straightening the matter out. Bear in mind that when I say "the thief convinces the bank he’s you", I’m not talking about a brilliant actor and master of disguise who imitates your voice and mannerisms well enough to fool your own mother. No, all that’s necessary to fool a bank is your birth date and US social security number, or just discarded credit card offer taken from your bin. Why are lenders so careless with their money The snarky answer is: because they know taxpayers will bail them out. But identity theft was a problem in America long before phrases like "too big to fail" entered our vocabulary, I became an identity-theft statistic nine years ago, when I opened my mail to find a bill for a maxed-out credit card I never knew I had. I spent over two weeks cleaning the mess: filing police reports, calling the company, sitting on hold, getting disconnected and calling back to sit on hold again. Considering my salary back then, I spent over a thousand dollars’ worth of my time — and wasn’t entitled to a penny in damages. It all could easily have been avoided, had the company made a minimal effort to ensure they were loaning money to me rather than my dishonest doppelganger. So why didn’t they Because that would take time — at least a day or two. And if people had to wait a day between applying for and receiving credit, on-the-spot loans would be impossible. Every major retail chain in America pushes these offers: "Apply for a store credit card and receive 15% off your first purchase!" From the lenders’ perspective, writing off a few bad ID-theft debts is cheaper than losing the lucrative "impulse buyer" market. But that would change if companies had to pay damages to identity theft victims. Should they have to The supreme court of the state of Maine is currently pondering that question. In March 2008 the Hannaford supermarket chain announced that hackers broke into their database and stole the credit card information of over 4 million customers, some of whom sued Hannaford for damages. None of the customers lost money, of course, but they felt — as I did — that their time and effort are worth something too. It’s too early to know how the court will rule, but I’ll make a prediction anyway: nothing will change from the consumers’ perspective, and protecting lenders from their own bad habits will continue to be our unpaid job. When the worldwide economic meltdown started, I naively thought the subsequent tightening of credit lines would at least make identity theft less of a problem than before. But I was just being silly.
A. companies have paid for damages to identity theft victims. B. customers often suffer from identity theft in America. C. companies should be responsible for identity theft. D. companies often suffer from identity theft in America.
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B. 标题部分
C. 页眉、页脚
D. 文件的任何部分
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A.当地人民政府
B.县级以上人民政府
C.县级以上人大
D.市级以上人民政府
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寄生虫的正确概念是()。
A.营寄生生活的原核生物
B.营寄生生活的医学蠕虫
C.营寄生生活的医学原虫
D.营寄生生活的低等动物
E.营寄生生活的医学节肢动物
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根尖周肉芽肿的上皮绝大多数来自( )。
A.牙板上皮 B.口腔上皮 C.Malassez上皮剩余 D.缩余釉上皮 E.异位的腺上皮
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商户考核等级分为那些①:S——超出预期,考核成绩90分以上;②:A——符合预期,考核成绩75~90分;③:B——待改善,考核成绩60~75分;④:C——不合格,考核成绩60分以下;()
A.①②③④ B.②③④ C.①③④ D.①②④
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双代号网络计划中节点是网络中箭线之间连接点。网络图中既有内向箭线,又有外向箭线的节点称为()。
A . 中间节点B . 起点节点C . 终点节点D . 交接节点
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固定成本,是指其总额在一定时期和一定业务量范围内不随业务量发生任何变动的那部分成本。特点是( );
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在本节中,你将听到15个对话,每个对话有1个问题。请从[A]、[B]、[C]三个选项中选出答案,并标在试卷的相应位置。每段话后有15秒钟的停顿,以便回答问题和阅读下一问题及其选项。每段对话读两遍。...What can we know about the man from the conversation
A. He is happy.
B. He is sad.
C. He is excited.
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关于版心位置与周空的关系,下列说法中正确的是()
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B . 版心偏右上,则地脚小、天头大
C . 版心偏左,则单码页面翻口大、双码页面订口大
D . 版心偏左上,则订口和地脚都大
E . 版心靠近订线,则翻口增大
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淹溺的患者应根据淹溺当时的实际情况,警惕低体温的发生。
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