A. 信托收据是怎样的，信托关系
trust receipt英 [tr?st ri?si:t] 美 [tr?st r??sit][释义]信托清单，信托收据版;[网络]信托收条; 短期借款权; 信托收据;[例句]Analyze concept, character and evolution of trust receipt.分析了信托收据的概念、性质及其沿革。
B. 怎样寻找真正的友谊
第一、建立良好的第一印象。人际关系是在人们的交往中产生的。交往伊始，谁不想给对方留下一份美好的印象呢？同样，谁不想与留下好印象的人继续往来，以此作为深入交往的基础？我们在与别人发生最初交往时，应该怎样表现才能使自己给别人留下良好的第一印象呢？
要注意仪表美。人的仪表，包括相貌、穿着、仪态、风度等，都是影响人际交往的因素。人们总是倾向于觉得仪表有魅力的人更活泼愉快，更友善合群。衣着整洁、大方，仪表举止自然会给人一种亲近感，反之，过分修饰，油头粉面，浓装艳抹，则会给人一种不合宜的印象。
要注意交往中的"SOLER"技术。在这里，S(SIT)代表"坐要面对别人"；O(OPEN)表示"姿势要自然开放";L(LEAN)的意思为"身体微微前倾"；E(EYES)代表"目光接触"；R(RELXX)表示“放松“。心理学家发现，在社交场合，有意识地运用SOLER技术，可以有效地增加给别人的好感，让别人更好的接纳，给人留下良好的第一印象。
待人要真诚热情。一般情况下，交往双方总是先接受说话的人，然后才会接受对方陈述的内容。因此，对人讲话时，态度应该诚恳，要避免油腔滑调，高谈阔论，哗众取宠，垄断话题，否则会使人感到不愉快。实事求是，态度热情，往往给人一种信赖感，亲近感，这有利于交往的继续深入；反之，如果言不由衷转弯抹角，态度冷谈，则给人一种虚假、冷淡的感觉，交往很难再深入下去。
做一个忠实的听众。每个人都需要有自我表现的机会。在初次交往中，有效地表现自己固然重要，但做一个耐心的听众，鼓励别人多谈他们自己，同样是不可少的。
当然，要给别人留下良好的第一印象，还受其他许多因素的影响，比如：讲信用，守时间，文明礼貌，等等。
第二，主动交往。在现实生活中，有许多人尽管与人交往的欲望很强烈，但仍然不得不常常忍受孤独的折磨，他们的友人很少，甚至没有友人，因为他们在社交上总是采取消极的被动的退缩方式，总是等待别人来首先接纳他们。因此，虽然他们同样处于一个人来人往，熙熙攘攘的世界，却仍然无法摆脱心灵的孤寂。要知道， 别人是不会无缘无故对我们感兴趣的。因此，我们要想赢得别人，同别人建立良好人际关系，建立起一个丰富的人际关系世界，就必须做交往的始动者，处于主动地位。我们就应少担心，多尝试。当你主动与陌生人打招呼，攀谈时；当你在舞会上想去邀请舞伴时，你会发现你的努力几乎都是成功的。
第三，关心帮助别人。患难识知已，逆境见真情。当一个人遇到坎坷，碰到困难，遭到失败时，往往对人情世态最为敏感，最需要关怀和帮助，这时那怕是一个笑脸，一个体贴的眼神，一句温暖的话语，都能让人感到振奋。因此，，陷入困境时，你能伸出援助之手，帮助困难者，安慰失意者，可以很快赢得别人，建立起良好的人际关系。如果对别人漠不关心，麻木不仁，小心吝啬，怕招引麻烦，交往很可能因此而中止
C. 有关最近经济危机的事情
背景是格林斯潘一直推行的低利率政策。
根源有几种不同的说法。
各种新自由主义经济经济学认为，是操作失误或者是一般的贪婪心导致的。
各种凯恩斯主义认为，不仅是操作失误，而且有资本主义体制和机制的问题存在。
这种制度层面就是私有制加市场经济，容易导致每过几年资本主义经济格局发生经济衰退。或者是比较严重的金融危机，经济危机。
格林斯潘在最近接受采访时说任何危机都有不同的，但都有一个根本原因就是人都有一种哪一抑制的欲望。
D. 什么是SP、NGO、LOGO、SIT
SP = SmartPhone，是使用Windows Mobile for Smartphone Edition操作系统的智能手机，主要的设计理念就是个人随身的数字处理中心 NGO，英文“non-government organization”一词的缩写，是指在特定法律系统下，不被视为政府部门的协会、社团、基金会、慈善信托、非营利公司或其他法人，不以营利为目的的非政府组织。 NGO在全球范围的兴起始于20世纪80年代。随着全球人口、贫困和环境问题的日益突出，人们发现仅仅依靠传统的政府和市场两级还无法解决人类的可持续发展问题。作为一种回应，NGO迅速成长并构成社会新的一级。 SIT=Student Innovation Training 可以参考下面的一则新闻 http://www.cunews.e.cn/html/xwbl/20050525/073234.html LOGO是徽标或者商标的英文说法，起到对徽标拥有公司的识别和推广的作用，通过形象的logo可以让消费者记住公司主体和品牌文化。网络中的logo徽标主要是各个网站用来与其它网站链接的图形标志，代表一个网站或网站的一个板块。另外，LOGO还是一种早期的计算机编程语言，也是一种与自然语言非常接近的编程语言，它通过“绘图”的方式来学习编程，对初学者特别是儿童进行寓教于乐的教学方式。
E. 谁有《终极一班》的英文简介
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-莫属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要冲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来人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. 谁帮我翻译一下歌词...
（迪伊doody灭亡厄运，迪伊doody末日末日）
（迪伊doody灭亡厄运，末日）
七小女孩sittin '在后座
huggin和a'kissin与李华明
我说“为什么不之一，你来坐我旁边的” ？
这是什么七名女童说：
合唱团
（所有一起，现在，一，二，三）
（让您专注于您的驱动' ）
（让你的手放在车轮）
（让您的史努比着眼于在前进的道路上）
（我们正在havin '玩笑sittin '在后座基辛'和a'huggin与李华明）
（迪伊doody灭亡厄运，迪伊doody末日末日）
（迪伊doody灭亡厄运，末日）
将通过城市，将通过国家
表明， '在如何电机能去
我说“你怎么像我三化油器” ？
其中一人耳边轻声低
合唱团
七小女孩smoochin '在后座
每个人都在爱与李华明
我说“你不需要我，我会下车，在我家”
这是什么七名女童说：
（所有一起，现在，一，二，三）
（让您专注于您的驱动' ）
（让你的手放在车轮）
（让您的史努比着眼于在前进的道路上）
（我们正在havin '玩笑sittin '在后座基辛'和a'huggin与李华明）
他们都在爱与李华明
（迪伊doody末日末日）
基辛'和a'huggin与李华明
（迪伊doody末日末日）
希望我可以像李华明
（末日
G. trust receipt是什么意思
trust receipt英 [trʌst riˈsi:t] 美 [trʌst rɪˈsit]
[释义]信托清单，信托收据;
[网络]信托收条; 短期借款; 信托收据;
[例句]Analyze concept, character and evolution of trust receipt.
分析了信托收据的概念、性质及其沿革。
H. 高分求一篇关于最近经济危机的英文文章,最好是有评论的```
纽约：经济危机殃及餐饮业
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.
据Zagat调查公司本周二发布的一项最新调查显示，纽约的高档餐厅如今可是生意惨淡。受经济危机和物价上涨的影响，纽约人不再像过去那样经常“下馆子”，餐饮支出也有所减少。
该调查的发起人蒂姆•扎格特说：“餐饮业已明显感到经济危机的影响。”这项已有30年历史的年度调查主要根据食客的反馈评估纽约约2000家餐厅的菜品、装修和服务。
但扎格特认为，这次餐饮业最终会度过难关，就像挺过1987年的股市崩盘和“9/11”恐怖袭击一样。
此外，调查发现，少的还不仅仅是食客，今年纽约新开张的餐馆数量自2003年来首次下跌，从去年的163家减少至119家，而三年前则为187家。
在3.8万多受访者中，近40%的人称他们为了应对眼下的经济危机，已经不经常出去吃饭，或者选择去较便宜的餐馆就餐。
Zagat调查发现，今年纽约的餐饮物价整体上涨了3.3%，大大超过过去六年所保持的1%。其中高端消费者倍受打击，价格涨幅达到了近10%。
在纽约出去吃一顿饭平均花费为40.78美元，低于全美最高的、拉斯维加斯的44.44美元，比起巴黎、东京甚至多伦多等其它国家的首都则要低得多。
调查指出，这些“鼓舞人心”的发现可以解释为什么今年纽约冒出了很多汉堡店、皮萨店和烤肉店。就连阿兰•杜卡斯和希恩-乔治四•沃格里腾这样的名厨也开起了小酒馆或拉面馆。
好消息大都关于那些在评级中名列前茅的餐馆。Per Se首次摘得菜品和服务“双科冠军”，食客们对它的评价是“令人难忘、无与伦比的美食享受”，这家餐厅的平均消费为303美元。
主题餐厅“美国女孩”和“滚石咖啡”再次垫底，但名人会所Elanie’s 的服务和装修这两项指标得分更低，排在最后一名。
经济危机：我们老百姓能做些什么？
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.
经济衰退导致的恐慌性抛售导致股票市值被抹去了数十亿英镑。专家们说，这还不算完呢－－最终，每个人都会感受到市场低迷的冲击。
我是持股人，我该担心吗？
如果您手中仍有个别公司的股票，不是心理承受力特强的话，那就是从年初市场动荡的时候开始就一门心思死扛了。马丁.班福特(Martin Bamford)，Informed Choices公司的独立财经投资顾问说：“现在已经太晚了，稳健的投资者转成了现金或更安全的投资领域”。
如果您在市场中资金，那割肉的时候到了；或者，您有安安稳稳坐等经济恢复的本事。向儿童信托基金投资（CTF）的父母无需太过担心－－离取出这些钱还有相当长的一段时间，否则，若CTF的持股人把资金转到更安全的投资项目时，市场可能已经复苏了。
我已经离市，总该没事了吧？
这要看看您把资金移到了哪里，什么时候转移的。传统上被投资者们视为安全天堂的货币基金同样在下跌，于此同时，日用品的价格也在下跌。产权基金糟透了，即使是现金账户，这个曾被认为是最安全存钱地点的地方，也因为Icesave的崩溃经历了糟糕的一周。固定利率的有价证券，传统上认为会在证券下跌时表现尚佳的它，这次却没有爆发它的小宇宙，但是班福特预计他们会很快反弹。他补充说，“在经济不景气中，任何形式的资产都有风险。”
我的退休金都投到了股市，我该担心吗？
大多数人在临近退休时把他们的投资转成了比较安全的投资方式，所以，这些把退休金投入证券和股票的人此刻仍有时间。然而，, Bamford说，部分临近退休者仍有暴露于市场危机中的风险。“有些人将完全意识到这一点，他们必须重新审议自己的退休计划－－不论是在退休时间还是退休后的生活方式上都将被迫变得不同。”
本周早些时候，Hargreaves Lansdown 曾说，个人退休金的价值自去年开始已缩水了五分之一。最近几天的下跌浪潮使得缩水数值变得更大。退休金研究公司的主管汤姆.麦克菲尔(Tom McPhail)说，如果离退休尚有10年以上，那么此刻的最佳策略就是“充耳不闻”。他解释说：“等到退休金开始发放时，很可能这一切都已经过去了，所以您应该保持退休金的缴纳。”
我有一份职业养老金－－这会被冲击吗？
有可能。如果这是一份界定养老金（defined contribution scheme），在这种养老金中，您的收益和基金的资产投资收益表现挂钩，就是说，您和任何同样持有个人养老金的人坐在一条船上。
麦克菲尔说，最终薪金方案（ final salary scheme）中，您的收益和与收入挂钩，如果您有这项方案，就可以避免短期的下挫。“虽然在中期上仍然会有冲击。最终我们可以看到的一个结果是，在这段时间，薪金方案关闭速度要得快得多。”
罗斯.奥特曼(Ros Altmann)，独立退休金分析师。他说，多数的雇员倾向于放弃最终薪金方案：“他们中的多数人在市场下挫之前就已经出现了赤字，现在几乎全部出现了赤字。”更令人担忧的事情是，如果您的公司已倒闭，并最终不得不从养老金保障基金（Pension Protection Fund）取出退休金的话，您能得到的只是所存全部金额的90％。
我的退休金暴跌，现在必须去买一份年金（annuity）了。
除非您已经75岁了，处于这种情况下，规定上说您必须用存款买一份年金以提供一份收入，您可以坐等可能出现的市场复苏。您用来买年的资金量将决定您余生赖以为生的收入，所以，也许您想等等看您的基金价值是否能回弹一些，这样您的收入就会有所改善。政府正在考虑延缓这些规定，这样，达到75岁的人群仍可等待一段时间。
然而，麦克菲尔警告说：“投资不兑现的风险在于，市场复苏的明确信号并不存在。”而在您等待经济反弹的时候，年金收益率可能已经下调了。“如果您把资金放在市场里等待复苏就一定要紧密关注年金收益率。”
如果您理解了这一点，就会知道，采纳建议是一种很聪明的方式。
我没有股票或退休金，总该安全了吧？
班福特说：“单纯的金融领域的问题易于发现，但是金融领域的问题会引起连锁反应，唯一的问题是，范围会有多大，感受到冲击需要多长时间。”
富时指数上英国大公司们市值的大跌导致他们可投资资金的减少。无须扩展市场，他们可以开始减少员工的数量，这导致裁员。
这些公司并非存在于真空中－－他们与其他同样紧缩开支的公司做生意。最终所有的雇员都可以感受到市场低迷的冲击。
有什么好消息吗？
很少。近几周，石油价格暴跌，这意味着便宜的汽油，最终将导致油价下跌。本周，银行试图救市，利率下调了0.5％并有进一步下调的可能，这对贷款追踪的第三方借贷者来说是个好消息。一般来说，基本利率的下调对于储蓄者是坏消息，而银行和建筑业正寻求现金这一事件意味着他们仍将为储蓄提供诱人的利率。