M: I don ’ t want to work with Tom. W: Why? It seems he always has good ideas. M: That ’ s the reason. He only uses his mouth, but I have to do all the hard work. Why doesn ’ t the man want to work with Tom? .
【简答题】A certificate of deposit is an instrument bearing a bank’s written acknowledgment of the receipt of money, together with an unc____ promise to repay it at a definite f____ time.