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School teacher Shana Richey misses the play room she decorated with Glamour Girl decals for her daughters. Fireman Jay Fernandez misses the custom putting green he installed in his back yard. But ever since they quit paying their mortgages and walked away from their homes, they've discovered that giving up on the American dream has its benefits. Both now live on the 3,100 block of Club Rancho Drive in Palmdale, where a terrible housing market lets them rent luxurious homes—one with a pool for the kids, the other with a golf-course view—for a fraction of their former monthly payments. 'It's just a better life. It really is,' says Ms. Richey. Before defaulting on her mortgage, she owed about $ 230,000 more than the home was worth. People's increasing willingness to abandon their own piece of America illustrates a paradoxical change wrought by the housing bust: Even as it tarnishes the near-sacred image of home ownership, it might be clearing the way for an economic recovery. Thanks to a rare confluence of factors—mortgages that far exceed home values and bargain-basement rents—a growing number of families are concluding that the new American dream home is a rental. Some are leaving behind their homes and mortgages right away, while others are simply halting payments until the bank kicks them out. That's freeing up cash to use in other ways. Ms. Richey's family of five used some of the money to buy season tickets to Disneyland, and plans to take a Carnival cruise to Mexico in March. Mr. Fernandez takes his girlfriend out to dinner more frequently. 'We're saving lots of money,' Ms. Richey says. The U. S. home-ownership rate has charted its biggest decline in more than two decades, falling to 67.6% as of September from a peak of 69.2% in 2004. And more renters are on the way: Credit firm Experian and consulting firm Oliver Wyman forecast that 'strategic defaults' by homeowners who can afford to pay are likely to exceed one million in 2009, more than four times 2007's level. Stiffing the bank is bad for peoples' credit, and bad for banks. Swelling defaults could also mean more losses for taxpayers through bank bailouts. Analysts at Deutsche Bank Securities expect 21 million U. S. households to end up owing more on their mortgages than their homes are worth by the end of 2010. If one in five of those households default, the losses to banks and investors could exceed $ 400 billion. As a proportion of the economy, that's roughly equivalent to the losses suffered in the savings-and-loan debacle of the late 1980s and early 1990s. The flip side of those losses, though, is massive debt relief that can help offset the pain of rising unemployment and put cash in consumers' pockets. For the 4. 8 million U. S. households that data provider LPS Applied Analytics estimates haven't paid their mortgages in at least three months, the added cash flow could amount to about $ 5 billion a month—an injection that in the long term could be worth more than the tax breaks in the Obama administration's economic-stimulus package. 'It's a stealth stimulus,' says Christopher Thornberg of Beacon Economics, a consulting firm specializing in real estate and the California economy. 'The quicker these people shed their debts, the faster the economy is going to heal and move forward again. ' As the stigma of abandoning a mortgage wanes, the Obama administration could face an uphill battle in its effort to keep people in their homes by pressuring hanks to cut their mortgage payments. Some analysts argue that's not always the right approach, particularly if it prevents people from shedding onerous debts and starting a fresh. 'The effect of these programs is often to lead homeowners to make decisions that are not in their economic best interests,' says Brent White, a law professor at the University of Arizona who has studied mortgage defaults. SXB95
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【简答题】根据杂化轨道理论,BF 3 分子的空间构型为______,偶极矩______零,PH 3 分子的空间构型为______。
【简答题】NF 3 分子的杂化类型为______,分子的空间构型为______,分子极性为______。
【简答题】??某水利枢纽工程,主要工程项目有大坝、泄洪闸、引水洞、发电站等,2006年1月开工, 2007年5月申报文明建设工地,此时已完成全部建安工程量40%。上级有关主管部门为加强质量管理,在工地现场成立了由省水利工程质量监督中心站以及工程项目法人、设计单位和监理单位人员组成的工程质量监督项目站。 [问题] 1.工地工程质量监督项目站的组成形式是否妥当?请说明理由。 2.根据水利水电工程有关建设管理的规...
【简答题】根据杂化轨道理论,BF 3 分子的空间构型为______,电偶极矩______零,NF 3 分子的空间构型为______。
【单选题】下列分子,属于直线构型的为:
A.
PbCl 2 ;  
B.
OF 2 ;
C.
HCN;  
D.
CH 3 CH 2 CH 3 。
【简答题】(1)淡黄色固体的分子构型________________; (2)黄绿色固体的分子构型________________; (3)黄绿色固体在水中的溶解度比淡黄色固体大的原因是:_________________________。
【简答题】根据杂化轨道理论,BF 3 分子的空间构型为______,NF 3 分子的空间构型为______。
【简答题】NCl 3 分子中,N原子采用______杂化,分子空间构型为______,分子间力为______。
【单选题】①PH 3 的分子构型为三角锥形, ②BeCl 2 的分子构型为直线形, ③CH 4 分子的构型为正四面体形, ④CO 2 为直线形分子, ⑤BF 3 分子构型为平面正三角形, ⑥NF 3 分子结构为三角锥形。 下面对分子极性的判断正确的是 [     ]
A.
①⑥为极性分子,②③④⑤为非极性分子
B.
只有④为非极性分子,其余为极性分子
C.
只有②⑤是极性分子,其余为非极性分子
D.
只有①③是非极性分子,其余是极性分子
【单选题】C0 2 分子构型为( ) (32 -36)
A.
金刚石
B.
C.
石墨
D.
E.
食盐
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