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25.以遺囑成立家族信託時,下列敘述何者錯誤? (A)就信託利益的歸屬而言,遺囑信託必為他益信託 (B)以自書方式成立之遺囑,於頁與頁間,可不用蓋騎縫章 (C)因未事先與受託人約定,如遇受託人拒絕受託,將無法執行家族信託的計劃 (D)信託以遺囑為之者,得於辦妥遺囑執行人及繼承登記後,由遺囑執行人會同受託人申請

22.依消費者保護法規定,企業經營者與消費者訂立定型化契約前,應有幾日內之合理期間,供消費者審閱全 部條款內容? (A)七日 (B)十五日 (C)三十日 (D)四十五日

23.金融消費者就金融消費爭議事件應先向金融服務業提出申訴,金融服務業應於收受申訴之日起幾日內為適 當之處理,並將處理結果回覆提出申訴之金融消費者? (A)十日 (B)十五日 (C)二十日 (D)三十日

46. What is the main idea of the passage? (A) Traditional teaching methods are no longer effective. (B) Interactive classrooms can improve learning but require careful management. (C) Students learn best when working independently. (D) Classroom interaction should replace all forms of instruction.

47. According to this passage, why does interaction help students learn better? (A) It allows teachers to provide more detailed explanations. (B) It encourages students to rely less on teachers. (C) It helps students better understand and remember what they learn. (D) It reduces the need for individual study.