A. 信託收據是怎樣的，信託關系
trust receipt英 [tr?st ri?si:t] 美 [tr?st r??sit][釋義]信託清單，信託收據版;[網路]信託收條; 短期借款權; 信託收據;[例句]Analyze concept, character and evolution of trust receipt.分析了信託收據的概念、性質及其沿革。
B. 怎樣尋找真正的友誼
第一、建立良好的第一印象。人際關系是在人們的交往中產生的。交往伊始，誰不想給對方留下一份美好的印象呢？同樣，誰不想與留下好印象的人繼續往來，以此作為深入交往的基礎？我們在與別人發生最初交往時，應該怎樣表現才能使自己給別人留下良好的第一印象呢？
要注意儀表美。人的儀表，包括相貌、穿著、儀態、風度等，都是影響人際交往的因素。人們總是傾向於覺得儀表有魅力的人更活潑愉快，更友善合群。衣著整潔、大方，儀表舉止自然會給人一種親近感，反之，過分修飾，油頭粉面，濃裝艷抹，則會給人一種不合宜的印象。
要注意交往中的"SOLER"技術。在這里，S(SIT)代表"坐要面對別人"；O(OPEN)表示"姿勢要自然開放";L(LEAN)的意思為"身體微微前傾"；E(EYES)代表"目光接觸"；R(RELXX)表示「放鬆「。心理學家發現，在社交場合，有意識地運用SOLER技術，可以有效地增加給別人的好感，讓別人更好的接納，給人留下良好的第一印象。
待人要真誠熱情。一般情況下，交往雙方總是先接受說話的人，然後才會接受對方陳述的內容。因此，對人講話時，態度應該誠懇，要避免油腔滑調，高談闊論，嘩眾取寵，壟斷話題，否則會使人感到不愉快。實事求是，態度熱情，往往給人一種信賴感，親近感，這有利於交往的繼續深入；反之，如果言不由衷轉彎抹角，態度冷談，則給人一種虛假、冷淡的感覺，交往很難再深入下去。
做一個忠實的聽眾。每個人都需要有自我表現的機會。在初次交往中，有效地表現自己固然重要，但做一個耐心的聽眾，鼓勵別人多談他們自己，同樣是不可少的。
當然，要給別人留下良好的第一印象，還受其他許多因素的影響，比如：講信用，守時間，文明禮貌，等等。
第二，主動交往。在現實生活中，有許多人盡管與人交往的慾望很強烈，但仍然不得不常常忍受孤獨的折磨，他們的友人很少，甚至沒有友人，因為他們在社交上總是採取消極的被動的退縮方式，總是等待別人來首先接納他們。因此，雖然他們同樣處於一個人來人往，熙熙攘攘的世界，卻仍然無法擺脫心靈的孤寂。要知道， 別人是不會無緣無故對我們感興趣的。因此，我們要想贏得別人，同別人建立良好人際關系，建立起一個豐富的人際關繫世界，就必須做交往的始動者，處於主動地位。我們就應少擔心，多嘗試。當你主動與陌生人打招呼，攀談時；當你在舞會上想去邀請舞伴時，你會發現你的努力幾乎都是成功的。
第三，關心幫助別人。患難識知已，逆境見真情。當一個人遇到坎坷，碰到困難，遭到失敗時，往往對人情世態最為敏感，最需要關懷和幫助，這時那怕是一個笑臉，一個體貼的眼神，一句溫暖的話語，都能讓人感到振奮。因此，，陷入困境時，你能伸出援助之手，幫助困難者，安慰失意者，可以很快贏得別人，建立起良好的人際關系。如果對別人漠不關心，麻木不仁，小心吝嗇，怕招引麻煩，交往很可能因此而中止
C. 有關最近經濟危機的事情
背景是格林斯潘一直推行的低利率政策。
根源有幾種不同的說法。
各種新自由主義經濟經濟學認為，是操作失誤或者是一般的貪婪心導致的。
各種凱恩斯主義認為，不僅是操作失誤，而且有資本主義體制和機制的問題存在。
這種制度層面就是私有制加市場經濟，容易導致每過幾年資本主義經濟格局發生經濟衰退。或者是比較嚴重的金融危機，經濟危機。
格林斯潘在最近接受采訪時說任何危機都有不同的，但都有一個根本原因就是人都有一種哪一抑制的慾望。
D. 什麼是SP、NGO、LOGO、SIT
SP = SmartPhone，是使用Windows Mobile for Smartphone Edition操作系統的智能手機，主要的設計理念就是個人隨身的數字處理中心 NGO，英文「non-government organization」一詞的縮寫，是指在特定法律系統下，不被視為政府部門的協會、社團、基金會、慈善信託、非營利公司或其他法人，不以營利為目的的非政府組織。 NGO在全球范圍的興起始於20世紀80年代。隨著全球人口、貧困和環境問題的日益突出，人們發現僅僅依靠傳統的政府和市場兩級還無法解決人類的可持續發展問題。作為一種回應，NGO迅速成長並構成社會新的一級。 SIT=Student Innovation Training 可以參考下面的一則新聞 http://www.cunews.e.cn/html/xwbl/20050525/073234.html LOGO是徽標或者商標的英文說法，起到對徽標擁有公司的識別和推廣的作用，通過形象的logo可以讓消費者記住公司主體和品牌文化。網路中的logo徽標主要是各個網站用來與其它網站鏈接的圖形標志，代表一個網站或網站的一個板塊。另外，LOGO還是一種早期的計算機編程語言，也是一種與自然語言非常接近的編程語言，它通過「繪圖」的方式來學習編程，對初學者特別是兒童進行寓教於樂的教學方式。
E. 誰有《終極一班》的英文簡介
Introction [content]
Bale campus, was founded in 2003, for the well-known ecator: the rule of money Levin, for the return of the ecation sector and personally built, three students, the campus has reached 1,200 the number of people.
The establishment of school early, has the full support from parents, private sector has in the first one refers to the area's top equipment, whether it is a swimming pool, a gymnasium, or audio-visual classrooms, computer classrooms Dengjie have everything.
Bale Bale campus to give all people the most comprehensive learning environment, we have taken the love of ecation, iron discipline, discipline in the supervision, parents are assured that their children rather stay in Bale, and the classroom In the lively and entertaining teaching led Bale children happy to learn. Heitou a car parked at the entrance of Bale school campus, when, dressed in black suits get off the followers for their masters to open the door, someone finally get off, a wearing sunglasses,身形slender man in the principals, discipline officers , Who welcomed, with a momentum into the campus Bale, director of curiosity which is not a small Laitou students, principals actually sent pro-Ying » Principals to the Director explained this is their school's Financial Secretary, to a new group of students to the ultimate King Arthur, his father is the prominent gang boss "earth dragon", the school gymnasium, "the LDC Long Museum" is on his contributions to To build, so King Arthur, discipline officers to "love ecation." Officers heard Yilengyileng, Arthur into the next school, principals After calculating decided to convene a provisional parents, the ultimate one of the parents present, the last furniture and other teaching aids the failure rate is too high, and this The money they have to pledge not to give parents, principals have a discipline officers quickly go along with this idea, busy preparing to contact.
At this point in the ultimate one is filled with the excitement of a Xingfengxueyu…… (heard that there is a powerful students to turn to… He is the soil for the Taizi Ye Long, "King Arthur" is in the ring for the Western College laps of the legendary Ding Dong He Dadong to a position of the security may not be) the eldest child in her class Dadong Wang also趴sleep in the table, not as exciting Jinbao Tri-n on the King Arthur's glorious history, that even if the exorcism sister to King Arthur Dibu Guo also how formidable Dadong, only Dadong is always the boss! 3-King Arthur is secretly hope that this new force can Ban Dadong, then he may have to do… the opportunity to lead a spicy worried about is the Dadong two years ago by seven experts encirclement attempt against, Asia Sirleaf Wang is involved » If so Dadong sure to take this opportunity to take revenge! Dadong Shuiyanxingzhong of woke up, kicked spicy kick a big, dynamic move he will not fight Guazaizuibian revenge, not to mention he did not know what King Arthur, listen to this name is like Medieval people… At this time in King Arthur into the classroom, he and Dadong four heads intersection eyes full of Wang Wang's no momentum, King Arthur Miqi eyes Zheng Feng and Wang Dadong relative, King Arthur slowly come to the vacancy, when everyone to Eyes are on King Arthur and the attention of Wang Dadong, while small, light rain carrying bags with the quietly in, he soon found the space bow sitting down. Exorcism of her sister still being discussed Genban Linda Dadong and will confrontation between Arthur, a Zhuantou actually see the light rain, was not Meitouyicu, (ㄟ you to where the, ah, you kids headed in the wrong school! ), Light rain around the silent ignore the students.
Third-Meitouweicu stare at the light rain, it will go to the ultimate group of people, all have a brilliant record, is that he is the legendary… three-heart and mind here is surprised that he decided today Recalling to prove their measurement. School bell has been rung, Deng Dengdeng Youyuanerjin sound of high heels came, the ultimate class in the dark noise in the Dadong a stop under the eyes of the quiet moment, Dadong compiled your own clothing appearance, Ma Spicy female instructors Xin Tian slender legs immediately Yingru public eye, then on to see her petite and the Manyao Huyuchu the chest. King Arthur Ni Wang Dadong the one to see him concentrate on the two open heart of the instructors will know he has to heel in this woman, alas, like so easily tempted by beautiful women who, how can there be qualified to lead, see To the ultimate boss one location will soon be replacement!
The ultimate group of parents to attend the parents have all greatly Laitou, gathered together at any time will evolve into criminal syndicates Rush of the screen, they are each other from time to time the Daliang and contributions to the building of competing game Bale campus, so that their children can Successfully achieved high school diploma, special contributions to the smooth, smiling Yuebuke principal money, but old school teacher for the existence of such a class on the table can still take exception to is, this is because she knows discipline officers will be regarded as the ultimate one Thorn in the side, said what she likes to help their own people uprooted this Rouzhong Ci, so that the Huli Jing Xin Tian Tao Renyan will naturally be Saodechumen, If so, then she's Hero discipline officers on non-莫屬her!
The King Arthur kept the classroom to observe the large East and the interaction between the teachers, he was not Anxiao, outside the rumor really true, Wang Dadong is no brain of a colored only, where he will know that Xin Tian Dadong Convinced there are reasons for that (this also goes back two years ago, Wang Dadong face the challenges of the eight masters, as invincible self-styled King of the Dadong Wang lost the first time eating, playing the body is injured but he did not dare go home Living on the street, then encountered Xin Tian come forward to help, helped him to the home and school Yuan Huang, Qitianqiye Bumianbuxiu taken care of him, until the injury healed Dadong, with seven days of the Dadong is the first to feel the gentle woman , From this beautiful and innocent under the sincerity of the teachers. Of course these days with the Xin Tian also allow a better understanding of Dadong, know that he is a tiful child, in order to prevent parents worry that Dadong fighting the most hated people fight He faces… Xin Tian deep Dadong this Woxin move moved, Dadong can not help but feel that this is not where the teacher, I know that I am afraid of parents in the fighting outside because if the parents know, the old father Ma not to repent of his divisions, more frightening is that he can not escape the mother of sanctions, if it was towing her volunteers, then he should not Hunxia Qu »!), Because between Xin Tian and Dadong With this in secret, Dadong classes lead to the attitude of a 180-degree change, all Dadong boss by convincing the people, all people must follow to comply with.
Finally the end of courses, especially Xin Tian introced to the students this semester new students transferred to the King Arthur and the light rain, she repeatedly told you absolutely have to live together in peace. But listen to these words in the Dadong Wang and Wang Arthur's ear, like a Erbian Feng general, if the students have really expected, both because of a small school Kangshang Therefore, the East and King Arthur saw the struggle is inevitable. Who is the new boss in this el will be in the birth!
Discipline officers from the three Jinbao learned this - that he face the pain relentless violence, but privately they also look forward to the play, and intend to use them to make trouble in school grounds, they will drop out in one stroke.
King Arthur's servant calls, said the car had been waiting in the school entrance, King Arthur does not like his father has been sent with bodyguards in his side, especially at this time there are events he should do, King Arthur send bodyguards to leave, he wanted to One-on-one and the east field of men fighting!
Unexpectedly, the father of King Arthur in a car Choujiaheigou ambushes, suddenly gunfire masterpiece, the two Xiaodi Huzhao Big Brother hurried escape, but the Guabudizhong the circumstances, the father of King Arthur was a result of excessive shock only to Ma Shu Yan Xia Ye Live, suddenly Chuanbuguoqi, his only thought is to bodyguards to secure the safety of King Arthur. King Arthur did not know his father, something went wrong, he and Dadong meet in the school gymnasium behind the el, exorcism sister, a spicy, and many admirers Dadong Dadong of girls standing around, waiting to see Dadong Tongzai Asia Sirleaf Wang, but then some of the students in her class also heard King Arthur's background, decided to support this new force, Campbell III is the best typical. Confrontation between the two men, who did not speak, around the quiet side as if onlookers strained to hear the heartbeat sound, but also came to the stadium at this time, light rain, not for what, (he only asked: "Music Studio in which» "), Get an answer after the matter is not none of the left…
This time discipline officers, Xin Tian and ancient teachers heard the news, people rushed from the office came to stop the fighting…… on the occasion of the two hair-trigger, the classroom came from the music melodious and elegant beauty of the Qin Gang Qinsheng Sound, so that all those present at the Rumuchunfeng like each other smiling + to Mummy, the East and King Arthur have two Huopu eyes suddenly soft down, the teachers have also come in various Lengzhu, especially Xin Tian also moved Xialei to the flow, the East and King Arthur slowly away fighting posture, Dadong parents to eat at home, and so he hurried to leave the ground, King Arthur also Bonong in their hair, worried that clutter up the hair, he He also cool that the band's members in waiting for him, as for the el about it next time!
They left the Bale on this campus, waiting for those who want to have Zuoniaoshousan Kan Haoxi students. King Arthur left the school on how far encountered no wounded to the retainer, the father of King Arthur know that this has laid an ambush, he went to see his father Siming also要沖side, the domestic servants Pin Leming stopped him, to protect Arthur Wang to a safe place, the two are pulled when they blocked the Choujia has blocked this person is Heigou, he used his father King Arthur's right hand, did not expect to eat even in the final expense also attempt against King Arthur's father, enemies Meet Fenwai jealous, Heigou know that King Arthur is not making a good opponent, brought a group of brothers who, King Arthur does not look at them in the eyes of decision and a summary of life and death!
The two sides fighting a while, a Heiying block in front of King Arthur, King Arthur is the misconception that the minions Heigou, two Dingjing a look at this one has found the current is Wang Dadong! Dadong in the King Arthur Hei hei smile, "I think you only San Jiaomao the effort! Even this group of mentally challenged Da Buying you are!" King Arthur Lengleng to see the Dadong, "you more precisely, I Chen Shui-bian even with you! "Dadong reaching out from behind a pan on as a weapon! King Arthur that he Dadong North Korea to open the Chen Shui-bian, did not expect it Dadong over his head "when" out of play Heigou Yanmaojinxing, King Arthur thought Dadong Wan Wanmo even want to save him, but also He surprised that a group of people were Heigou Dadong playing with a pan of Luohuangertao! At this point King Arthur psychological already understand that Dadong is indeed invincible, if not two years ago, seven top attempt against him, is simply not possible for eating Dadong lost, but now the Dadong his skill is more powerful than before the ! King Arthur doubts that, just in time for the school looking for his Dadong also singled, and why now turn to save him » But he did not understand Dadong is a love Baodabuping people, as the ultimate boss of how a group of students may sit back and be bullied no matter! Of course, let him hand the only condition is that he is the only boss!
(Arrogant mad! King Arthur Wang said Dadong, Zilian Kuang, Dadong anti-criticized King Arthur reluctant to admit the fact that he is the boss, so that you two on a word I am one, and suddenly the King Arthur Wang Dadong said: Do you like the teachers right »Wang Dadong was like things like that center, immediately Wu Yu… Hei hei! Rest assured! You help me look at the copies, I would not say with any person, arrogant mad.) Two Originally Bian Shuibian laugh, King Arthur is Bonong his hair, he was suddenly quiet down, Dadong saw the tears of King Arthur's face, he had the first Leng, then Louzhu the shoulders of King Arthur ( BL tendency ..... 54 al 8), "Hey, although you're not a father, but you more than a brother!
Under the sunset YU brothers Qingshen a good picture, at this time King Arthur on the phone sounded, it was the main soil-help calls, he啦nothing, just be linked to a misunderstanding that is entirely because of Ma Shu pharyngeal On hearing this, King Arthur lived…… Yima tears, hurried and Dadong separately, the two Qizui to fight again. King Arthur and requests for Boeun Dadong Chi Bing, but the home of King Arthur killer has Pu Suchou, at this time, surrounded by the great East and King Arthur by Jiao Jian count on skill, not on the來人Eyes, the East, King Arthur is preparing to fight the occasion, suddenly found malaise, until betrayed King Arthur in his father's Heigou, Dadong will know his history of the strongest boss facing the biggest crisis since his debut ~ To his poisoning, but the other hitmen but will not hesitate, in front of Xin Youyu of the lack of large East, King Arthur K… see happen here via the light rain, saw East and King Arthur, while the other more powerful people Public, is still the courage to come forward and arrogant disdain Heigou light rain and patted the head: little devil, not to be staggered friends, go back to a good school! "Stop the hands of other people, but also did not expect amazing how the fact that in this group Heigou very proud of the Wutu the time to leave have taken place," Do not shoot me first! "Issued by the light rain to the , Heigou also made a disdain of the first light rain, "you shoot first, as a kind of…" he Huamoyuewan, portrait was a heavy hit-out in general, light rain is watching the Zuoquan… The fall of people, light rain Lengleng to Yueliao Ju, I hate violence
Dadong and woke up after King Arthur, both admire their poisoning was in a state of weakness, the balance so many people, is completely unknown if the stay aloof from the light rain caused by the results of shots, and then proved to be light rain to save The two men, the two can no longer dare not overlook light rain, then Dadong, King Arthur, light rain these three very different personality of the Original King Monijiao trio, together for work admitted to the University…
F. 誰幫我翻譯一下歌詞...
（迪伊doody滅亡厄運，迪伊doody末日末日）
（迪伊doody滅亡厄運，末日）
七小女孩sittin '在後座
huggin和a'kissin與李華明
我說「為什麼不之一，你來坐我旁邊的」 ？
這是什麼七名女童說：
合唱團
（所有一起，現在，一，二，三）
（讓您專注於您的驅動' ）
（讓你的手放在車輪）
（讓您的史努比著眼於在前進的道路上）
（我們正在havin '玩笑sittin '在後座基辛'和a'huggin與李華明）
（迪伊doody滅亡厄運，迪伊doody末日末日）
（迪伊doody滅亡厄運，末日）
將通過城市，將通過國家
表明， '在如何電機能去
我說「你怎麼像我三化油器」 ？
其中一人耳邊輕聲低
合唱團
七小女孩smoochin '在後座
每個人都在愛與李華明
我說「你不需要我，我會下車，在我家」
這是什麼七名女童說：
（所有一起，現在，一，二，三）
（讓您專注於您的驅動' ）
（讓你的手放在車輪）
（讓您的史努比著眼於在前進的道路上）
（我們正在havin '玩笑sittin '在後座基辛'和a'huggin與李華明）
他們都在愛與李華明
（迪伊doody末日末日）
基辛'和a'huggin與李華明
（迪伊doody末日末日）
希望我可以像李華明
（末日
G. trust receipt是什麼意思
trust receipt英 [trʌst riˈsi:t] 美 [trʌst rɪˈsit]
[釋義]信託清單，信託收據;
[網路]信託收條; 短期借款; 信託收據;
[例句]Analyze concept, character and evolution of trust receipt.
分析了信託收據的概念、性質及其沿革。
H. 高分求一篇關於最近經濟危機的英文文章,最好是有評論的```
紐約：經濟危機殃及餐飲業
New York's vaunted restaurant scene is in for some lean times, according to the newest Zagat survey released on Tuesday, with price hikes coming at a time when diners say they are eating out less often and spending less in the face of dire economic conditions.
"Restaurants are clearly feeling the pinch from the economic crisis," said Tim Zagat, founder of the survey now in its 30th year which bases its food, decor and service ratings for some 2,000 restaurants on feedback from restaurant patrons.
But he added that the instry would weather the hard times, just as it did following the 1987 stock market crash and the September 11 attacks.
The pullback was not limited to diners, either, the survey found. Restaurant openings declined for the first time since 2003, down to 119 from last year's 163, and 187 just three years ago.
Nearly 40 percent of the survey's 38,000-plus respondents said they were coping with the shaky economy by eating out less often, and by patronizing less expensive restaurants.
All this in a year in which Zagat found prices up 3.3 percent, or far more than the one percent annual hike that prevailed over the past six years. High-end diners were hit even harder, with a nearly 10 percent tab increase.
The average tab in New York was $40.78, still less than the steepest US total of $44.44 in Las Vegas, and far behind other world capitals such as Paris, Tokyo, and even Toronto.
The bracing findings were one explanation for a spate of new burger, pizza and barbecue places that popped up this year, the survey noted. Even celebrity chefs such as Alain Ducasse and Jean-Georges Vongerichten opened bistros or noodle shops.
Any good news mostly centered around establishments that topped the ratings. Per Se nabbed the top spot for the first time for both food and service, with diners citing an "unforgettable, transcendental gastronomic marathon" -- with an average $303 tab to match.
The ratings cellar was once again reserved for theme restaurants like American Girl Place or Hard Rock Cafe, but celebrity hangout Elaine's scraped bottom with even lower marks for service and décor.
據Zagat調查公司本周二發布的一項最新調查顯示，紐約的高檔餐廳如今可是生意慘淡。受經濟危機和物價上漲的影響，紐約人不再像過去那樣經常「下館子」，餐飲支出也有所減少。
該調查的發起人蒂姆•扎格特說：「餐飲業已明顯感到經濟危機的影響。」這項已有30年歷史的年度調查主要根據食客的反饋評估紐約約2000家餐廳的菜品、裝修和服務。
但扎格特認為，這次餐飲業最終會度過難關，就像挺過1987年的股市崩盤和「9/11」恐怖襲擊一樣。
此外，調查發現，少的還不僅僅是食客，今年紐約新開張的餐館數量自2003年來首次下跌，從去年的163家減少至119家，而三年前則為187家。
在3.8萬多受訪者中，近40%的人稱他們為了應對眼下的經濟危機，已經不經常出去吃飯，或者選擇去較便宜的餐館就餐。
Zagat調查發現，今年紐約的餐飲物價整體上漲了3.3%，大大超過過去六年所保持的1%。其中高端消費者倍受打擊，價格漲幅達到了近10%。
在紐約出去吃一頓飯平均花費為40.78美元，低於全美最高的、拉斯維加斯的44.44美元，比起巴黎、東京甚至多倫多等其它國家的首都則要低得多。
調查指出，這些「鼓舞人心」的發現可以解釋為什麼今年紐約冒出了很多漢堡店、皮薩店和烤肉店。就連阿蘭•杜卡斯和希恩-喬治四•沃格里騰這樣的名廚也開起了小酒館或拉麵館。
好消息大都關於那些在評級中名列前茅的餐館。Per Se首次摘得菜品和服務「雙科冠軍」，食客們對它的評價是「令人難忘、無與倫比的美食享受」，這家餐廳的平均消費為303美元。
主題餐廳「美國女孩」和「滾石咖啡」再次墊底，但名人會所Elanie』s 的服務和裝修這兩項指標得分更低，排在最後一名。
經濟危機：我們老百姓能做些什麼？
Billions of pounds have been wiped off the value of shares after recession fears sparked panic selling across the world. The experts say there is more pain to come - and everyone will eventually feel the impact of the market downturn.
I have shares, should I worry?
If you are still holding stocks and shares in indivial companies you're either a hardy soul or have been burying your head in the sand as the markets have been jittery since the start of the year. "This is fairly late in the day - nervous investors will have already moved into cash or safer investments," says Martin Bamford, an independent financial adviser at Informed Choices.
Baby
If you do hold money in the market you need to decide if it is time to crystallise your losses, or if you have the stomach to sit tight and hope for a recovery. Parents who have invested their child trust fund (CTF) voucher in the stockmarket should not be too alarmed - there are years to go before the money can be withdrawn, or in the case of a stakeholder CTF is moved to safer investments, in which time the market could recover.
I moved my money - will I be OK?
It depends where and when you moved it. Money market funds, which had traditionally been seen as a safe haven for investors, have been falling too, while commodities prices have also been dropping. Property funds are doing badly and even cash accounts, which used to be regarded as the safest of safe places to put your money, have had a bad week with the collapse of Icesave. Fixed-interest securities, which traditionally do well when stock markets fall, have failed to ignite this time round, but Bamford reckons they will bounce soon. But he adds: "There is risk in every type of asset class in a recession."
My pension is invested in the stock market. Should I be worried?
Most people start moving money into safer investments as they near retirement, so those with pensions invested in stocks and shares should still have time on their side. However, Bamford says there will be some people approaching retirement who are still exposed to the markets. "There will be people who have been completely caught out by this," he says. "They might have to reconsider their plans for retirement - the timing and their lifestyle may have to be different."
Earlier this week, Hargreaves Lansdown said the value of personal pensions had fallen by a fifth since last year. The latest wave of falls will have wiped even more off their value. However, the firm's head of pensions research, Tom McPhail, says if you have more than 10 years until retirement the best strategy "is just to ignore what is going on at the moment". He explains: "This will all have probably played out by the time you get to retirement, so you should keep paying your regular contributions to your pension."
I have an occupational pension - will I be hit?
You could be. If it is a defined contribution scheme, where the amount you receive when you retire depends on the performance of the assets in which it is invested, then you are in the same boat as anyone with a personal pension. If you are about to retire the company operating your work pension should have been moving your share of the money into safer assets, so you won't be hit too hard. If you have years to go before you finish work, then there is time for losses to be recovered.
If you have a final salary scheme, where the amount you get is linked to your earnings, then you will be insulated from the falls in the short term, says McPhail. "In the medium term it will have an impact, though. One result that we will see is final salary schemes closing at a faster rate than at the moment."
Ros Altmann, an independent pensions analyst, says most employers are likely to give up on final salary schemes: "Most of them were in deficit before the market falls, and almost all will be now." More worrying, she says, is that if your company fails and you end up having to claim your pension through the Pension Protection Fund, you will only get 90% of what you had saved.
My pension has plummeted and now I have to buy an annuity
Unless you have reached 75, at which point the rules say you have to use your fund to buy an annuity to provide you with an income, you might want to sit tight in case the market recovers. The sum of money you have with which to buy the annuity will determine how much you have to live on for the rest of your life, so you might want to wait to see if your fund recovers some of its value and you can buy a better income. The government is considering suspending the rules so that those who have reached 75 can also wait.
However, McPhail warns: "The risk of not cashing in your investment is that there is no certainty that the market will recover soon." And while you wait for it to bounce back, annuity rates could fall. "If you are keeping your money in the market waiting for a recovery, then keep your eye on annuity rates too," he says.
If you are concerned, it would be wise to take advice.
I don't have shares or a pension - will I be OK?
"It's easy to see it as just problems in the financial markets, but this is going to have a knock-on effect on everybody," says Bamford. "The only questions are to what extent and how long it will take to feel the impact."
As the FTSE falls value is knocked off the UK's biggest companies, leaving them with less money to invest. Instead of expanding their businesses they could start recing staff numbers, leading to rendancies.
Those companies do not exist in a vacuum - they do business with other firms who will also be hit if they start to rein in their spending. Workers everywhere could eventually feel the impact of the downturn.
Is there any good news?
A little. The price of oil has slumped in recent weeks, which should mean cheaper petrol and could ultimately push down gas prices. Interest rates have been cut by 0.5% this week and further cuts are likely as the Bank tries to prop up the UK economy, which is good news for the third of borrowers on tracker mortgages. And while base rate cuts are usually bad news for savers, the fact that banks and building societies are seeking cash means they are still offering attractive interest rates on deposits.
經濟衰退導致的恐慌性拋售導致股票市值被抹去了數十億英鎊。專家們說，這還不算完呢－－最終，每個人都會感受到市場低迷的沖擊。
我是持股人，我該擔心嗎？
如果您手中仍有個別公司的股票，不是心理承受力特強的話，那就是從年初市場動盪的時候開始就一門心思死扛了。馬丁.班福特(Martin Bamford)，Informed Choices公司的獨立財經投資顧問說：「現在已經太晚了，穩健的投資者轉成了現金或更安全的投資領域」。
如果您在市場中資金，那割肉的時候到了；或者，您有安安穩穩坐等經濟恢復的本事。向兒童信託基金投資（CTF）的父母無需太過擔心－－離取出這些錢還有相當長的一段時間，否則，若CTF的持股人把資金轉到更安全的投資項目時，市場可能已經復甦了。
我已經離市，總該沒事了吧？
這要看看您把資金移到了哪裡，什麼時候轉移的。傳統上被投資者們視為安全天堂的貨幣基金同樣在下跌，於此同時，日用品的價格也在下跌。產權基金糟透了，即使是現金賬戶，這個曾被認為是最安全存錢地點的地方，也因為Icesave的崩潰經歷了糟糕的一周。固定利率的有價證券，傳統上認為會在證券下跌時表現尚佳的它，這次卻沒有爆發它的小宇宙，但是班福特預計他們會很快反彈。他補充說，「在經濟不景氣中，任何形式的資產都有風險。」
我的退休金都投到了股市，我該擔心嗎？
大多數人在臨近退休時把他們的投資轉成了比較安全的投資方式，所以，這些把退休金投入證券和股票的人此刻仍有時間。然而，, Bamford說，部分臨近退休者仍有暴露於市場危機中的風險。「有些人將完全意識到這一點，他們必須重新審議自己的退休計劃－－不論是在退休時間還是退休後的生活方式上都將被迫變得不同。」
本周早些時候，Hargreaves Lansdown 曾說，個人退休金的價值自去年開始已縮水了五分之一。最近幾天的下跌浪潮使得縮水數值變得更大。退休金研究公司的主管湯姆.麥克菲爾(Tom McPhail)說，如果離退休尚有10年以上，那麼此刻的最佳策略就是「充耳不聞」。他解釋說：「等到退休金開始發放時，很可能這一切都已經過去了，所以您應該保持退休金的繳納。」
我有一份職業養老金－－這會被沖擊嗎？
有可能。如果這是一份界定養老金（defined contribution scheme），在這種養老金中，您的收益和基金的資產投資收益表現掛鉤，就是說，您和任何同樣持有個人養老金的人坐在一條船上。
麥克菲爾說，最終薪金方案（ final salary scheme）中，您的收益和與收入掛鉤，如果您有這項方案，就可以避免短期的下挫。「雖然在中期上仍然會有沖擊。最終我們可以看到的一個結果是，在這段時間，薪金方案關閉速度要得快得多。」
羅斯.奧特曼(Ros Altmann)，獨立退休金分析師。他說，多數的雇員傾向於放棄最終薪金方案：「他們中的多數人在市場下挫之前就已經出現了赤字，現在幾乎全部出現了赤字。」更令人擔憂的事情是，如果您的公司已倒閉，並最終不得不從養老金保障基金（Pension Protection Fund）取出退休金的話，您能得到的只是所存全部金額的90％。
我的退休金暴跌，現在必須去買一份年金（annuity）了。
除非您已經75歲了，處於這種情況下，規定上說您必須用存款買一份年金以提供一份收入，您可以坐等可能出現的市場復甦。您用來買年的資金量將決定您餘生賴以為生的收入，所以，也許您想等等看您的基金價值是否能回彈一些，這樣您的收入就會有所改善。政府正在考慮延緩這些規定，這樣，達到75歲的人群仍可等待一段時間。
然而，麥克菲爾警告說：「投資不兌現的風險在於，市場復甦的明確信號並不存在。」而在您等待經濟反彈的時候，年金收益率可能已經下調了。「如果您把資金放在市場里等待復甦就一定要緊密關注年金收益率。」
如果您理解了這一點，就會知道，採納建議是一種很聰明的方式。
我沒有股票或退休金，總該安全了吧？
班福特說：「單純的金融領域的問題易於發現，但是金融領域的問題會引起連鎖反應，唯一的問題是，范圍會有多大，感受到沖擊需要多長時間。」
富時指數上英國大公司們市值的大跌導致他們可投資資金的減少。無須擴展市場，他們可以開始減少員工的數量，這導致裁員。
這些公司並非存在於真空中－－他們與其他同樣緊縮開支的公司做生意。最終所有的雇員都可以感受到市場低迷的沖擊。
有什麼好消息嗎？
很少。近幾周，石油價格暴跌，這意味著便宜的汽油，最終將導致油價下跌。本周，銀行試圖救市，利率下調了0.5％並有進一步下調的可能，這對貸款追蹤的第三方借貸者來說是個好消息。一般來說，基本利率的下調對於儲蓄者是壞消息，而銀行和建築業正尋求現金這一事件意味著他們仍將為儲蓄提供誘人的利率。