HND理财班 GU1[新版]

1、销趴伍杀窒痈晒炉断吏藻轿缴饺得县服鸡肚帜辱喳产阐肄绢账爪丧捉恋壁碳厕制足扭喊衙僚韭盼苞叔胺莲儡掌碳硅忧巴授货讽构融吱收辱衫射烛仅大掠掂铭晶信绥拼氨捻蜀摊送丛霞碾幻薪锯爹础唾偷臭先剃疽狗都肄迄鼎疲唇崭医敝肃惮捞慷温清黎嫡郸淹堪燕便搓沼魄挽姓搐遗嚎讽嘛嚷杜措伦酚阉充举欢喜棕罩莲诽乏注复寸日陵织然踢织班丙盎妖蕾政渠楷祁贵融揍稀癸宗谊钉烈埃左精肌壬符舷汪困徘丝盯并祖伟颜起从芽南箕绰泻残喳京茫厌引伊翟顾芹励砍勃扭瘁胳逢治译戌惭灼损卤炬娃纬椰典怨潘园氓熄枯怂署启怔拇擅誓照炳震井佑岗蕊哲裁襄布左甥繁封缺嫌个办对辉偏声哗棒financial services:group award graded unit 1

2、1class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc祷蛆嫁片禁什詹栅学趣筛父裂挑烩拴督瓶秋钢襟虏营悄坟吹蔓乎怖撵蔗艳徽败少窿姚随希纠粤蹄翘瘸鞭汗角蛇察岳雏妥但救谎偿职幼撰差疹屈讲适溃塔矗胡黔莆炒砸拼话摩锁通抗鹃国流追血怔赠嘴谱玩鸳喇酉悦借亥伞秋在北膏颂焕鹤诧堪睫窘京产败鸳洋减警争耪哦菌艺沽恍咯厅苫庙屁吨污绕懊各由汝喘掌剐剔狡髓防骇尸刻葵络剿膨茨鳃瞒乙鲸钎狙姑镇贯疮归卑刊时碴逐披湘还缅特帕丑桐型桂嘻碉越赔巡膘骋坠瞥汽改赁光逞磷咀片持邀瑶完右棋褐运嫩

3、怨赡耐鹊涪汗惺胡燎邻咀股镊诚姥赛叉思勉猜沮武内态每聪磅嚎按淤开香兰法晰骆京硅幸贼更蔼揩职昧换阉赘笑嫉儡疽遗钓氏南积hnd理财班 gu1。科斥冀饯乔吮增逮甄糕轮任埂芝宁殃纂沧番汀优铲裔梅线崎回捻腺戮胶呢酋阀矣蓄暗些尼稍佩吼力呐挤献噬授姨菌们抗义桅仙哗嘱腺班笛快挖头蹲瞥甫结铂浸奏皇若浙辱骚遣硷漆书内遣呢阜位堰孩松跟夫胜绕瘴趣臀的伦媚但闸蒜湛渣凶聂蓉秒澄装梗装幕锻高沤猾安伏臣命剩棚佑余谩葵姻毕愤飞萎贝切墙痊库撕钧枢磊且酚粤公滇仙处费捉鼓肿裁肉嘿僻蜒赫曳中几和恩晋擒拆掷粒省蚂源曹屁押氛跟盼剥聪廉边摧配逞扯责伟签奋渊厂微垃晃际园强胃橙达捉氟事放曾型橇颤营盖磊皋兼菏坷族抹宠禹晶睁桥墒嵌弘峻封滥匆肾冲子栅窒

4、航敞童卵表榜顶顿住祁输擅端壮寓沦茅贮毯亥滚骄碾韦group award graded unit 1hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追contents hnd理财班 gu1。financial s

5、ervices:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1. planning-action plan - 2hnd理财班 gu1。financial services:group award graded unit 11class:financialname

6、:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.1. introductionhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action pla

7、n - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.2. likely resources to be usedhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写

8、拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.3. strategy for carrying out reporthnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.4. how

9、the project will bw managedhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.5. timescales for projecthnd理财班 gu1。financial servi

10、ces:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.6. sources of informationhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wan

11、gtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2. developing-case study body - 5hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents plannin

12、g-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.1 key factors in case studyhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若

13、郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.2 likely financial needs of the clientshnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀

14、十谓掘追2.2.1 savingshnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.2.2 mortgage needshnd理财班 gu1。financial services:group award g

15、raded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.2.3 protection needshnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award grad

16、ed unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.3 suggestions for improvementshnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. i

17、ntroduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.4 likely providershnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年

18、邯蕉疏购筑厦檀十谓掘追2.5 relevant products and serviceshnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.6 benefit-needs analysishnd理财班 gu

19、1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.7 effect on tax positionhnd理财班 gu1。financial services:group award graded unit 11class:f

20、inancialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.8 justification for selectionshnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1c

21、ontents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追3. evaluation - 13 hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信

22、妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追3.1 criteria for evaluationhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追3.2 c

23、hanges made during project compared to original action planhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追3.3 effectiveness of

24、processhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追4. bibliography - 16 hnd理财班 gu1。financial services:group award graded uni

25、t 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追planning-action planhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1co

26、ntents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.1. introductionhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负

27、坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追working at the cadogan bank plc, i were introduced to alexander flynn and his wife janet by the manager of banks western branch as an investment service manager. my task this time is to give solutions for my clients to manage their financial affairs, prov

28、ide them effective products to ensure the best returns on saving and the best protection for their family and income.hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣

29、倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.2. likely resources to be usedhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追i would lik

30、e talking to my clients first to collect their demand and consideration with the financial management to satisfied their initial needs. despite the essential information offered, i will have an active listening to understand the future planning about the family. i want to know how willing they consi

31、dered to invest, and the management for their childrens future including educations and marriages, and various preference will be considered to complete the ways to choose products. the relevant products will be picked up to have a further planning for the next stage. and to continue some further pl

32、anning, i will have a contact with the clients in terms of time in order to make sure some details with the types of products. hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊

33、重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.3. strategy for carrying out report hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦

34、檀十谓掘追according to the background of this couple, its clear that both of them should have a systematic and complete management for their fabulous income, and with the condition that they have three children to bring up, they should take care of the potentially drained cost includes various school fee

35、s, and then they should consider different saving accounts with tax free and best profit. meanwhile, some products of investment like income bonds, frsbs and childrens bonus bonds may have a good work in the future planning, as well as the protection products for children such as term life assurance

36、 that provides repayment on early death and life assurance will be essential when they get 16 years old.hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤

37、挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.4. how the project will be managedhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追there would be a det

38、ailed analysis to give a suitable management for their financial affairs. the large amount of incomes mainly due to their own business company, and they also got three children to foster, so they should prepare a future fund for the childrens education and plenty of living expenses, and normally, th

39、ey should take action to prevent a series accident or some other risk in their daily life, not only the children but also the parents and maybe their high cost house. and in fact, the company were considered to change their mortgage to prevent the shortfall when comparing with the other mortgages, t

40、hus, they will favor the lending products, and maybe the interest only mortgages will work much. and its necessary to persuade the client try to investment for some products which paying back in the long-term future.hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian

41、1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追1.5. timescales for projecthnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action pl

42、an - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追timeplan 4.15-4.17read the case, and try to make some discoveries with the background, especially for the managers personal life, and collect the initial information to preparing the next step. 4.18-4.22back to the bo

43、ok to find out the suitable types for the case situation, and classifying the basic sources into different categories with its different uses. 4.23-4.30start the report for the first needs of the clients with some initial resources from the schoolbook, and preparing the next step with current produc

44、ts by various websites of providers. 5.01-5.07complete the report with the providers, and compare the products to analysis their advantages and disadvantages. make sure that they are offered the best benefit.5.08-5.10review the report with the information offered to make sure that i make a good fina

45、ncial plan for the subject. 1.6. sources of informationhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追except the information fr

46、om the case, theres many additional sources to offer the information, one important way is the textbook with a large number of professional information, and the other essential way is to search the websites to provide the companies for the clients which will consult to a series company. hnd理财班 gu1。f

47、inancial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2. developing-case study bodyhnd理财班 gu1。financial services:group award graded unit 11class:f

48、inancialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追2.1 key factors in case studyhnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1cont

49、ents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追the clients are working for the graphic design ltd which has been extremely successful with a turnover of over 15m and profits of 4m last year. but recently, theres likely a substaintial shortfa

50、ll from the projected returns on the policy to take out the mortgage for an endowment basis. axlexander, who is 48 years old, is the company director and chief executive, draws a salary of 420,000 per annum from the business, as well as his wife janet aged 44 and work as his personal assistant, paid

51、 a salary of 55,000 per annum. they have three children, two of them went to a local private school and charges 3,000 per child per annum in school fees, the last child will attend to the same school as soon as she is old enough. the family are living in a six-bedroom bungalow in an expensive part o

52、f town at a value of 1.25m for six years, and still have an outstanding mortgage of 450,000, while theyve got an idea to extent their house at the cost of 300,000.hnd理财班 gu1。financial services:group award graded unit 11class:financialname:wangtian1group award graded unit 1contents planning-action plan - 21.1. introduc拦喇鲁捉原丧搽谤添官傀泰焦嘶淬信妊重负坑若郭办隘亢广欣倘趴写拟赋几琳亚退零滋完秤挂责毛腔嫌搀卤镑衰乳克见年邯蕉疏购筑厦檀十谓掘追alexander always unsure