[山东]2022年济南长清沪农商村镇银行招聘启示上岸历年高频考点试卷答案详解

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1、山东2022年济南长清沪农商村镇银行招聘启示上岸历年高频考点试卷答案详解（图片大小可自由调整）第I卷一.单项选择题(共50题)1.假设在国际金融市场上，美元的利率为2，欧元的利率为3，根据抛补利率平价理论，则美元对欧元（ C ）。A.升值B.贬值C.升水D.贴水答案：C 本题解析：暂无解析2.价格水平失去控制，以递增的速度猛烈上涨，这种现象叫（）。A.温和通货膨胀B.严重通货膨胀C.急性通货膨胀D.恶性通货膨胀答案：D 本题解析：恶性通货膨胀，又称奔腾通货膨胀，价格水平失去控制，以递增的速度猛烈上涨。在这种情况下，货币贬值不断加速，流通速度日益加快，货币已经完全丧失价值尺度、交易媒介、支付手段

2、、价值储藏功能整个国民经济面临崩溃。3.科学管理学派的核心思想是指导人们用科学理性的思维来进行管理，它的奠基人“科学 管理之父”泰勒提出要使管理走向科学化。以下哪项不是泰勒的观点？（ ）A.科学管理的中心问题是提高效率B.为工作挑选一流的人员C.实行标准化管理D.重视人的因素，改进领导方式，强调工业民主和管理科学人性化答案：D 本题解析：被誉为“科学管理之父”的弗雷德里克泰勒是美国著名管理学家、经济学家。他在其代表作科学管理原理中提出了科学管理理论，主要观点包括：管理的中心问题是提高效率，为提高效率，必须挑选一流员工，只有实行标准化管理，使工人采用更有效的工作方法，才能达到提高效率的目的。A、

3、B、C都是泰勒的管理学观点。D项是亨利甘特提出的管理学理论，不是泰勒的观点。故正确答案为D。4.A startup company in California is using machine learning and arificial itelligence to advise fire departments about how to plan for earthquakes and respond to them. The company hopes its algorithms can take a lot of the guesswork out of the planning p

4、rocess for disaster response by making accurate predictions about earthquake damage. Is one of a handful of companies rolling out atificial itelligence and machine learning systems that could help predict and respond to foods, cyber-attacks and other large- scale disasters.Nicole Hu, the companys ch

5、ief technology oflicer, says the key is to feed the computers three mam categories of data. The first is data about homes and other buildings, such as what materials theyre made of, when they were built and how likely they are to collapse when the ground starts shaking. The next category is data abo

6、ut the natural environments. For example. What is the soil like What is the elevation like? What is the general humidity like? explains Hu. The third thing we look at is live instant data. she says, such as the magnitude of the quake, the trafic in the area of the quake and the weather at the time o

7、f the quake. The computer uses the information to make predictions about what would happen if an earthquake occurred in a particular area. It then uses data from past earthquakes to see whether its predictions are any good, and revises its predictive models accordingly. In other words, it learns as

8、it gocs, which is basically how machine learning works.Stanford University earthquake engineer Gregory Deierlein consulted for the company. He says one of the most remarkable things about the companys software is its ability to incorporate data from an earthquake as its happening. and to adjust its

9、predictions in real time. Those sort of things used to be research projects. says Deierlein After an event, we would collee data and a few years later we d produce new models. Now the new models appear in a matter of minutes. He note the companys exact methods are opaque. Like many startup companies

10、 theyre not fully transparent in everything theyre doing. He says.“I mean, thats their proprietary knowledge that theyre proprietary knowledge that theyre bringing to it.Nonetheless, some first responders are already convinced the software will be useful. Fire chief Dan Ghiorso leads the Woodside Fi

11、re Protection District near San Francisco, which covers 32 square miles. The San Andreas fault is only a couple hundred feet behind the firehouse. Ghiorso says in the past, when an earthquake hit, he d have to make educated guesses about what parts of his district might have suffered the most damage

12、, and then drive to each place to make a visual inspection. He hopes the company s software will change that, although he has yet to put it to the test during an actual quake. Instead of driving thity two square miles, in fifteen minutes on a computer Ican get a good idea of the concerns. he says,“i

13、nstead of me, taking my educated guess, they re putting science behind it, so I m very confident. Unfortunately, its going to take a natural disaster to see if his confidence is justified.How does Dan Ghlorso view the software?A.It saves both money and laborB.It helps improve the situationC.It relie

14、s too much on past dataD.It needs more attention答案：B 本题解析：细节题。根据题目人名定位文章最后一段，“when an earthquake hit, hed have to make educated guesses about what parts of his district might have suffered the most damage, and then drive to each place to make a visual inspection. He hopes the company s software will

15、 change that, although he has yet to put it to the test during an actual quake.,可以判断出B选项正确。5.第52题答案是_A.firmlyB.accompaniedC.as well asD.in that at答案：C 本题解析：暂无解析6.随着人们文明祭奠亡者观念的变化，在植树葬、草坪葬、海洋葬等新型绿色、环保的安葬亡灵方式被广泛接受的同时，网络祭扫作为文明环保祭奠亡者的方式之一，也悄然走进人们的生活。与传统祭扫形式相比，网上祭扫更为方便、快捷、也更加环保。人们只需轻点鼠标，就可以通过网上献花、点歌、燃蜡烛、写

16、纪念文章等形式，表达对故去亲朋好友的思念。网上祭奠因其突破了传统祭奠方式的局限，更富个性而备受年轻人的青睐。这段话主要告诉我们（ ）A.绿色、环保的安葬亡灵方式以及网上祭扫被人们广泛采用B.网上祭扫与传统祭扫形式相比,优势更为明显C.人们通过新型绿色、环保的安葬亡灵方式，以及网络祭扫表达对故去亲朋好友的思念D.绿色、环保的安葬亡灵方式，网上祭奠备受年轻人的青睐答案：B 本题解析：A项中“在植树葬、草坪葬、海洋葬等新型绿色、环保的安葬亡灵方式被广泛接受”，并不是“广泛采用”；题干并不是强调对故去亲朋好友的思念，而重在各种方式的改变，C项错误;D项仅仅是题意的一部分，故选B项。7.Question

17、s 112-113 refer to the following invoice.Telephone Billing Statement - City Phone CellularCity Phone CellularDepartment of Billing Services51 Dublin St., Suite 301Springfield, WIInvoice Date: 08-15-2006Payment Due Date: 09-14-2006Customer InformationName: Desire EberhardtAccount Number: 10003483-FFT

18、Account InformationCurrent Charges: $61.59Outstanding Balance: $35.08Total Amount Owed: $96.67Pay your bill online at and receive a discount of 3% before taxes are added. If you have questions about this or other City Phone Cellular policies, please contact our customer service department at 1-888-3

19、49-5959.Billing SummaryAmount OwedCurrent Charges:City Phone Premium Cellular Package$49.95State Taxes$5.65Service Fee $5.99Total Current Charges $61.59Previous Charges:Balance as of Last Month $55.08Payment Received Last Month $20.00Outstanding Balance$35.08Total Amount Owed $96.67How can City Phon

20、e Cellular customers receive a discount?A.By applying for an account onlineB.By paying their balance earlyC.By calling the customer service departmentD.By paying over the Internet答案：D 本题解析：第三段第一句通告说，在网上缴费的话，可以获得税前3%的优惠。如果在网上缴纳费用的话，请一定在网上申请一个银行账号。这个是错误的，请不要把A项和正确答案混淆。8.以知识为主导所得出的美丑的概念，是不真实的，也是没有意义的。即

21、如美丑而言，当天下人知道追求美的时候，就有了美丑的区分，就有了分别的见解。在老子看来，相反相成，是知识构成的特性，但并非世界本身所具有。老子并非反对人们追求美，但他认为这种追求美的方式，并不能得到真正的美。人为世界分出高下美丑，是在下判断，以人的理性确定世界的意义，这样的知识并不符合世界的特性。将以上5个句子重新排列，语序正确的是（）A.B.C.D.答案：A 本题解析：本题是语句排序题。用于解释,所以在后，排除B、D;中提到“分别的见解”，而中“以知识为主导所得出的美丑的概念”就是其中之一，所以在前，排除C。故正确答案为A9.大众传媒应该成为真正公共讨论的_，让纷纭繁复的表象在充分讨论中_出真

22、实的逻辑，让各种观念在交锋和沟通中_出共识。填入画横线部分最恰当的一项是（）。A.平台浮现碰撞B.空间呈现撞击C.课题展现达成D.界面涌现获得答案：A 本题解析：首先，第一空中，大众传媒成为“课题”或“界面”，搭配不当，而且由“交锋”和“沟通”可推断出，第三空填“碰撞”最合适，第二空填“浮现”也合适。10.Questions 59-61 refer to the following letterTo Whom It May ConcernIve been Joe Employees Manager at XYZ Company since 1997, and even promoted Joe

23、 to the role of Senior Software Engineer last year.Joe has proven to be a( )employee with excellent communication skills.A.reliantB.reliableC.reliablyD.variable答案：B 本题解析：暂无解析11.下列句子中，没有歧义的一项是（ ）。A.他看见河对岸的一个老人正带着他的孩子在植树B.本市组织四个足球队队员客串了一场篮球赛C.出席这次座谈会的有老红军代表、民主党派人士和无党派人士58人D.他是个直性人，把看到的事儿都捅出来了答案：D 本题解析

24、：A“他的孩子”指代不明，是“老人的孩子”还是“他自己的孩子”指代不明。B项“四 个足球队队员”可以理解为“四个足球队的队员”也可以理解为“四个足球队员”，有歧义。C项“58 人”指代不明，是“老红军代表、民主党派人士和无党派人士”共58人，还是无党派人士58人。因此正确答案是D。12.下列哪一项不属于固定成本A.厂房的折旧费用B.各管理部门的供暖费C.开动机床的电费D.银行贷款的利息答案：C 本题解析：暂无解析13.校对：印刷：出版（ ）A.谈判：签署：废除B.抢劫：人狱：判刑C.选举：组阁：执政D.研发：转让：投人答案：C 本题解析：题干属性有两个，一是时间上严格的先后顺序，二是前者是后者

25、的必要条件。只有C符合这两个属性。A、B、D三项均不符合。14. 问人间谁是英雄?有酾酒临江，横槊曹公。紫盖黄旗，多应借得，赤壁东风。更惊起南阳卧龙，便成名八阵图中。鼎足三分，一分西蜀，一分江东。 下列对这首元曲的理解和赏析，不正确的一项是( )。A.作者以设问开卷，分层次地叙述了三国人物的英雄业绩，最后以概述作结，全篇有分有总。首尾相应B.作者通过对三国英雄人物的描绘和比较，表达了自己追慕古贤，意欲建功立业的宏图伟愿C.这首元曲风格雄健、高昂，大有苏轼念奴娇赤壁怀古的遗风，而又没有“人生如梦”的悲伤感叹D.作者用“惊起”二字生动而又形象地描绘出诸葛亮从南阳隐居到报效刘备而出仕的这一转变答案：

26、B 本题解析：分析可知，这首元曲对三位英雄人物风采的再现运用了描写的手法，但并没有对他们进行比较，且内容上也未体现出作者“意欲建功立业的宏图伟愿”。B项分析不正确故当选。15.10年前一只冰糖葫芦的价格为1元，现在相同冰糖葫芦的价格为8元，假设10年前物价指数为90，现在物价指数为120，当前冰糖葫芦的实际价格为( ) 元。A.6B.8C.4D.32/3答案：A 本题解析：通货膨胀率= (120-90) /90=1/3;令实际价格为X，(8-X) /X=1/3， 得X=6。16.西汉时期，产自西域的树脂类香料传人中国，改变了古人直接焚烧萧艾、惠草等植株的方式，香具_。汉初已有许多专门用于焚烧的

27、香炉，但大多造型简单。据说汉武帝嗜好熏香， _地追求长生不老之术，命人模拟道家传说中东方海上仙山“博山”的景象，制成一类造型特殊的香炉博山炉。依次填入横线部分最恰当的一项是（）A.比比皆是 大张旗鼓B.大行其道 矢志不渝C.应运而生 孜孜不倦D.五花八门 兢兢业业答案：C 本题解析：香具随着西方香料的传入“应运而生”,兢兢业业与矢志不渝多用于褒义，大张旗鼓不合语境，此处宜用“孜孜不倦”。17.近年来，随着IT厂商数量的不断增加，IT市场的竞争日益激烈，对于IT产品，用户不但要选择产品本身，更要选择服务；良好的服务已经成为左右用户购买决策的重要因素。调査数据显示:对于高科技产品如电脑等,用户愿意

28、多花10%的价钱来购买服务好的同质产品。这段文字表明的观点是（ ）A.IT产品的售后服务很重要B.IT产品服务性很强C.IT产品专用性强，技术要求高D.用户愿意多花钱来购买IT产品答案：A 本题解析：这段材料属于递进式。抓住关键词“更”。这段结论主要强调的是用户“更要选择服务”，还通过一个数据来证明这个观点。因此对于IT产品来说，售后服务就显得非常重要。因此正确答案是A。18.通货膨胀是价值符号流通条件下的特有现象，其基本标志是（）。A.某种商品价格的上涨B.有效需求大于有效供给C.物价总水平持续上涨D.过多的货币追逐过少的商品答案：C 本题解析：暂无解析19.What should you

29、think about in trying to find your career? You are probably better at some school subjects than others These may show strengths that you can use in your work A boy who is good at mathematics can use that in an engineering career A girl who spells well and likes English may be good at office work So

30、it is important to know the subjects you do well in at school On the other hand, you may not have any specially strong or weak subjects but your records show a general satisfactory standard Although not all subjects can be used directly in a job, they may have indirect value A knowledge of history i

31、s not required for most jobs but if history is one of your good subjects you will have learned to remember facts and details This is an ability that can be useful in many jobsYour school may have taught you skills, such as typing or technical drawing, which you can use in your work You may be good a

32、t metal work or cookery and look for a job where you can improve these skillsIf you have had a part-time job on Saturdays or in the summer, think what you gained from itIf nothing else, you may have learned how to get to work on time, to follow instructions and to get on with older workers You may h

33、ave learned to give correct change in a shop, for example Just as important, you may become interested in a particular industry or career you see from the inside in a part-time job Facing your weak points is also part of knowing yourself You may be all thumbs when you handle tools; perhaps you are a

34、 poor speller or cannot add up a column of figures It is bitter to face any weaknesses than to pretend they do not exist Your school record, for instance, may not be too good, yet it is an important part of your background You should not be apologetic about it but instead recognize that you will hav

35、e a chance of a fresh start at workThe whole passage centers onA.choosing a career according to what one is skilled inB.acquiring knowledge by working hard at schoolC.finding ones strong and weak pointsD.developing ones abilities useful in school work答案：A 本题解析：本文大意是你可以根据自己擅长的科目来选择你适合的职业重要的是通过自己的表现来认

36、识自己，而不是一味地将目光放在成绩是好还是坏上面。所以应选A。20.Advertisers tend to think big and perhaps this is why theyre always coming in for criticismTheir critics seem to resent them because they have a flair for self-promotion and because they have so much money to throw around Its iniquitous, they say, that this entirely

37、 unproductive industry (if we can call it that) should absorb millions of pounds each year It only goes to show how much profit the big companies are making Why dont they stop advertising and reduce the price of their goods? After all, its the consumer who pays The poor old consumer! Hed have to pay

38、 a great deal more if advertising didnt create mass markets for products It is precisely because of the heavy advertising that consumer goods are so cheap But we get the wrong idea if we think the only purpose of advertising is to sell goods Another equally important function is to inform A great de

39、al of the knowledge we have about house-hold goods derives largely from the advertisements we readAdvertisements introduce us to new products or remind us of the existence of ones we already know about Supposing you wanted to buy a washing machine, it is more than likely you would obtain details reg

40、arding performance, price, etc, from an advertisementLots of people pretend that they never read advertisements, but this claim may be seriously doubted It is hardly possible not to read advertisements these days And what fun they often are too! Just think what a railway station or a newspaper would

41、 be like without advertisements Would you enjoy gazing at a blank wall or reading railway bye-laws while waiting for a train? Would you like to read only closely printed columns of news in your daily paper? A cheerful, witty advertisement makes such a difference to a drab wall or a newspaper full of

42、 the daily ration of calamities We must not forget, either, that advertising makes a positive contribution to our pockets Newspapers, commercial radio and television companies could not subsist without this source of revenue The fact that we pay so little for our daily paper, or can enjoy so many br

43、oadcast programmes is due entirely to the money spent by advertisers Just think what a newspaper woald cost if we had to pay its full price!Another thing we mustnt forget is thesmall ads which are in virtually every newspaper and magazine What a tremendously useful service they perform for the commu

44、nity! Just about any-thing can be accomplished through these columns For instance, you can find a job, buy or sell a house, announce a birth, marriage or death in what used to be called the hatch, match and dispatch column but by far the most fascinating section is the personal or agony column No ot

45、her item in a newspaper provides such entertaining reading or offers such a deep insight into human nature Its the best advertisement for advertising there is!What is the main idea of this passage?A.AdvertisementB.The benefits of advertisementC.Advertisers perform a useful service to communitiesD.Th

46、e costs of advertisement答案：B 本题解析：整篇文章都在介绍广告的益处，故选B。21.Who should consult page 78 of the directions?A.Those who worked for an employer during 2006B.Those who expect to receive a refund from the governmentC.Those who did not have enough tax withheld from their payD.Those who are not sure how much the

47、y earned in 2006答案：C 本题解析：需要快速找出提到“page78”的部分并对其进行分析。可以知道，还需要缴纳所得税的人考虑其他汇款方式。22.甲、乙同学在学校湖边环形小路上跑步，他们从同一起点出发相向而行，出发10 分钟后两人第一次相遇，出发20 分钟后第二次相遇，第一次相遇20 分钟后甲第一次跑回起点。已知环形小路长450 米，试问第二次相遇时甲跑的距离？（ ）。A.500 米B.400 米C.300 米D.450 米答案：C 本题解析：已知环形小路长450 米，甲用了30 分钟跑完一圈，第一次相遇用了10 分钟，已知第二次相遇用时20 分钟，则甲走的路程=4502/3=3

48、00 米，故选C。23.甲公司某会计期间的期初资产总额为200000元，当期期末，负债总额比期初减少20000元。所有者权益总额比期初增加60000元，则该企业期末资产总额为（ ）元。A.180000B.200000C.240000D.260000答案：C 本题解析：由于“资产=负债+所有者权益”，本期负债减少20000元所有者权益增加60000元，该企业资产总额=20000020000+60000=-240000(元)。24. 指示提单要求提单的“收货人”栏内( )。 A.留空不填B.填写“凭指示”C.填写收货人名称D.填写付款银行名称答案：B 本题解析：指示提单是指提单上的收货人栏内仅填写

49、“凭指示”，或“凭某某人指示”字样，这种提单经背书后可转让给他人提货。25.对于城市而言，规模大小不应是最主要的，居住环境、幸福指数、居住者的实际感受，给群众提供安居乐业的人文环境才是最主要的。比如西方著名城市苏黎世、日内瓦、温哥华、维也纳等，都不是特大城市，而最多算是中等城市，但是它们的知名度、宜居指数、城市文明程度却非常高，成为温馨幸福的精神家园和福利乐园。具有深厚的城市文化和文化文明程度、独特的文化风貌和历史风貌等，这才是我们城市发展的核心所在。 这段文字意在说明( )。A.独特的城市文化是城市建设的关键B.世界知名城市不是靠规模知名C.西方的城市建设更注重人文环境D.城市建设应摆脱求大

50、的思路答案：D 本题解析：意图判断题。“对于城市而言，规模大小不应是最主要的”，其后的描写也是围绕城市规模展开的，可以看出作者对生活品质高、人文环境好的中等城市抱有肯定的态度，“具有深厚的城市文化和文化文明程度、独特的文化风貌和历史风貌等，这才是城市发展的核心所在”再一次说明城市规模不是城市建设的核心内容。因此本题的正确答案为D选项。文段以世界知名的中等城市举例，但落脚点是在我们的城市发展上，所以B和C项不正确。根据文段内容，“独特的城市文化”是城市发展核心所在的一部分，因此A项予以排除。26. 某设备的账面价值为80000元，预计使用年限为5年，预计净残值为5 000元，按年数综合法计提折旧

51、，该设备在第三年应计提的折旧额为( )元。 A.15 000B.30 000C.10 000D.5 000答案：A 本题解析：A年数总和法是将固定资产的原价减去预计残值后的余额乘以一个逐年递减的变动折旧率计算每年的折旧额的一种方法。固定资产的变动折旧率是以固定资产预计使用年限的各年数字之和作为分母，以各年初尚可使用的年数作为分子得的。所以，本题中该设备在第三年应计提的折旧额=(80 0005 000) 3/15=15 000元。27.以下关于国际贸易的理论中，（）不属于自由贸易理论。A.李嘉图的比较成本学说B.亚当斯密的绝对成本学说C.李斯特的国际贸易学说D.俄林的资源禀赋学说答案：C 本题解

52、析：李斯特从民族利益出发通过对英国古典政治经济学和国际贸易学说的批判，提出了自己的保护贸易理论。28.2011年我国全部工业增加值188572亿元。规模以上工业增加值增长13.9%，在规模以上工业中，国有及国有控股企业增长9.9%;集体企业增长9.3%，股份制企业增长15.8%，外商及港澳台商投资企业增长10.4%;私营企业增长19.5%，轻工业增长13.0%，重工业增长14.3%。全年规模以上工业中，农副食品加工业增加值比上年增长14.1%,纺织业增长8.3%，通用设备制造业增长17.4%，专用设备制造业增长19.8%,交通运输设备制造业增长12.0%，通信设备、计算机及其他电子设备制造业增

53、长15.9%，电气机械及器材制造业增长14.5%。六大高耗能行业增加值比上年增长12.3%，其中，非金属矿物制品业增长18.4%，化学原料及化学制品制造业增长14.7%，有色金属冶炼及压延加工业增长13.6%，黑色金属冶炼及压延加工业增长9.7%，电力、热力的生产和供应业增长10.1%，石油加工、炼焦及核燃料加工业增长7.6%。高技术制造业增加值比上年增长16.5%。全年规模以上工业企业实现利润54544亿元，比上年增长25.4%。20082011年，全部工业增加值增加最多的是（ ）A.2008年B.2009年C.2010年D.2011年答案：D 本题解析：由柱状图可知，2008年全部工业增加

54、值增加了130260110535=19725亿元，2009年增加了135240-130260=4980亿元，2010年增加了160722-135240=25482亿元，2011年增加了188572160722=27850亿元。故D项符合题意。29.2004（2.347+2.4）除以（2.447-2.3）的值为（ ）A.2003B.2004C.2005D.2006答案：B 本题解析：原式=2004（2.4-0.1）47+2.4（2.447-2.3）=2004（2.447-4.7+2.4）（2.447-2.3）=2004（2.447-2.3）（2.447-2.3）=200430.如果预约上专家号，

55、小军就去医院做检查。只要小军去医院，他一定去找杨医生。除非杨医生不上班，否则李医生不会接待小军。已知，李医生接待了小军，那么，下列说法正确的是( )。A.杨医生和李医生之间，小军只能选一个B.小军没有预约上专家号C.小军找过杨医生，但杨医生不在医院D.不能确定杨医生是不是上班答案：C 本题解析：翻译推理。预约上专家号医院做检查，去医院- +找杨医生，李医生会接待小军一杨医生不上班，李医生接待了小军(说明小军- -定去了医院)推出杨医生不上班，小军既然去了医院就一定找杨医生，但是杨医生不上班(不上班即不在医院)，因此得到小军找过杨医生，但他不上班，没在医院。所以选C。31.司马迁心胸开阔，不带成

56、见，是个严格的史学家，而不是儒教的提倡者，在议题上他采取_的态度。他极度崇敬孔子，但他不是个_的孔门信徒。他所描绘的孔子是个人，而不是个圣人。填入横线部分最恰当的一项是（ ）。A.客观 虔诚B.开放 盲从C.中立 狭隘D.宽容 狂热答案：C 本题解析：这段话是林语堂孔子的智慧中的一段话，这段文字是司马迁对孔子的 态度，也是林语堂对孔子的评价。司马迁是历史学家，对待历史应为“客观”或“中立”，排除B、 D;“但”转折后第二空应填入贬义词，以肯定主语“他”，根据词性排除A,选C。32.If you use your commute to catch up on work email, that t

57、ime should be counted as part of the working day, according to a new study by researchers who analyzed thousands of commutersonline habits. If travel time were to count as work time, there would be many social and economic impacts. said Juhet Jain, one of the academics from the University of the Wes

58、t of England who surveyed several thousand commuters on trains in and out of London.Most respondents expressed how they consider their commute as time to catch up with work, before or after their traditional working day, according to a summary of the study.“This transitional time also enabled people

59、 to switch roles, for example from being a parent getting the kids ready for 3 school in the morning to a business director during the day The study quotes a working mother named Katheryn saying. Its really important to my sanity that I can get work done on the tram. I am a busy mum and I rely on that time, so I can get things done”