[多项选择]某国的 ABC 银行在你行（DEF 银行）开设了人民币帐户。过去的帐户余额按 5%计年息，从 19××年 7月 1 日起将按 5.5%计算，透支额 6%计。 请按标准格式，代表你行会计部主任向对方发一公函，告示知上述变动，并提醒对方，在你行开设的人民币帐户一般不可透支，要求对方无论休时都要保有贷方余额，出现透支时，随即予以补上。

[简答题] Cross-Cultural Communication Challenges Definition of Culture We all communicate with others all the time—in our homes, in our workplaces, in the groups we belong to, and in the community. No matter how well we think we understand each other, communication is hard. Just think, for example, how often we hear things like, "He doesn’’t get it," or "She didn’’t really hear what I meant to say." "Culture" is often at the root of communication challenges. Our culture influences how we approach problems, and how we participate in groups and in communities. When we participate in groups we are often surprised at how differently people approach their work together. Culture is a complex concept, with many different definitions. But, simply put, "culture" refers to a group or community with which we share common experiences that shape the way we understand the world. It includes groups that we are born into, such as gender, race, or national origin. It also inc