People do not analyze every problem they meet. Sometimes they try to remember a solution from the last time they had a similar problem. They often accept the opinions or ideas of other people. Other times they begin to act without thinking; they try to find a solution by trial and error. However, when all these methods fail, the person with a problem has to start analyzing. There are six stages in analyzing a problem.
First the person must recognize that there is a problem. For example, Sam’s bicycle is broken, and he cannot read it to class as he usually does. Sam must see that there is a problem with his bicycle.
Next the thinker must define the problem. Before Sam can repair his bicycle, he must find the reason why it does not work. For instance, he must determine if the problem is with the gears, the brakes, or the frame. He must make his problem more specific.
Now the person must look for information that will make the problem clearer and lead t
A. recognize and define the problem
B. look for information to make the problem clearer
C. have suggestions for a possible solution
D. find a solution by trial or mistake
甲和乙的借款纠纷
2009年3月28日，甲和乙签订借款合同，约定乙借给甲100万，期限1年，利息10万元（简单利率计算），利息预先在本金中扣除，即乙交付90万元给甲，2010年4月1日甲还100万元给乙。并且，甲以其所有的3台大型设备进行抵押和1辆轿车进行质押，为其履行还款义务提供担保。 2009年4月1日，乙向甲汇款90万元。随后，甲将用于质押的轿车的机动车登记证书交乙保管，但未就抵押和质押办理任何登记手续，也未向乙交付用于抵押的设备和用于质押的轿车。2009年5月，甲将用于抵押的3台设备出租给丙公司，将用于质押的轿车出．租给丁公司，租期均为1年。
2009年8月，甲隐瞒有关事实，与戊公司订立合同出售其用于抵押的3台设备。随后，甲通知丙公司：本公司已将出租的3台设备卖给戊公司，要求解除租赁合同。
2009年9月1 日。甲再次隐瞒了有关事实，与己公司订立合同出售其用于质押的轿车。双方办理了过户登记手续，并约定9月15日之前交付。 9月10日，甲在通知丁公司向己公司交付出租的轿车时，丁公司拒绝了甲的要求，并向甲主张同等条件下的优先购买权。 9月30日，丁公司工作人员在驾驶该轿车时外出时，遭遇罕见泥石流，车毁人亡。2010年1月1日，乙发现甲未按照约定将借款投资在X项目上，而是肆意挥霍，且甲的其他财产逐渐被其转移到境外。乙非常担心债权到期无法实现，找甲要求增加担保。甲态度恶劣并表示“自己有钱也不会还”。
【问题】
1．甲乙的借款合同什么时候生效？为什么？
2．假设2009年7月1日，甲请求提前还款并获得了乙同意，那么甲应当偿还乙本金多少钱？借款期间为多长？为什么？
3．乙可否就用于抵押9的3台设备向戊公司行使抵押权？为什么？
4．丁公司就轿车向甲主张同等条件下的优先购买权是否成立？为什么？
5．汽车遭遇泥石流损毁的风险应当由谁承担？乙对该轿车是否享有质权？请分别说明理由。
6．乙可以采取哪些措施以避免债权遭受损失？请说出两种解决方案。
A Desert Between Paul and Clara
Paul had long promised to marry Clara. But at thirtythee he met and married Alice. Clara was driven mad.
Paul was taken to court. The judge ordered him to pay Clara$600 because of the broken promise. Paul had to borrow the money from a moneylender. He agreed to pay back$5 a month—for twenty years. His wages at the time were $16 a month.
Paul and Alice were poor but not unhappy. They had little enough food, certainly, even before the children began to arrive. Each month Paul paid$5 to the moneylender. He worked hard, never taking a holiday. In time, there were seven mouths to feed.
Illness was always with them. It grew serious when the oldest child was eight. The years of hunger weakened the family, because each month Paul paid$5. The details of the sickness were ugly, but the result was this：after twelve years of family life, Paul was alone in the world.
He lived alone. except for memor
A. to share the$600 with her.
B. not to marry her.
C. to ask back the$600.
D. not to refuse her offer
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