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178.我跟媽媽在百貨公司逛街時,被信用卡公司的專員攔下來推銷了一番,媽媽考量公司提供免費停車的優惠,決定申辦。請問關於信用卡的敘述,下列何者正確?(A)是一種電子票券(B)可以延遲支付,也就是先消費、後付款(C)每個月只要繳最低應繳金額,未繳款項不需付利息(D)信用卡的額度無上限,不管刷多少錢都沒關係。

11.某法規規定,申請人符合全部法定要件者,主管機關「應」核發許可。甲已符合全部要件,主管機關另於許可中附加「須捐款新臺幣5萬元予指定基金」之條件,法律亦無相關授權。下列敘述何者最適當?(A)羈束處分原則上可以任意附加附款(B)該附款可能違反行政程序法對附款中不當聯結之限制(C)只要行政機關認為有公益目的,附款即當然合法(D)附款是否合法與原處分是否為羈束處分無關

13. Consider a banking system with the following characteristics: the reserve requirement is 8%, banks initially hold no excess reserves, and the public holds no currency, only deposits. If the central bank implements a policy change and certain events occur, which statement (s) of the follows are true? (A) If a depositor withdraws $400 from their bank account, the banking system's reserves will decrease by $32. (B) The money multiplier in this system is 12.5. (C) An increase in the reserve requirement to 10% will decrease the money multiplier to 10. (D) If banks decide to hold 4% of their deposits as excess reserves in addition to the reserve requirement, the money multiplier will decrease to 6.67.

14. The Affordable Care Act (ACA), also known as "Obamacare," introduced several key changes to the U.S. healthcare system. Choose the right provision(s) included in the ACA. (A) It required employers to provide free health insurance to all employees. (B) It mandated that insurance companies cannot deny coverage based on pre-existing conditions. (C) It required all Americans to purchase health insurance or face a financial penalty. (D) It allowed health insurance companies to deny coverage to individuals with pre-existing conditions.