I really just met him that day and reached out a helping hand,I have a good impression of Mr. Zhou afterwards,So I heard that he is recovering well,I am really happy for him。

“Mr. Zhou,You couple……”Surprised,No one knows what the hell these two men are doing,If you don’t understand, you think these two people are just a support。
“Everyone knows something,My father’s body has been ill in recent years,Relying on the medicine of the genius doctor Hua barely survived,Last time I went out, my wife forgot to bring medicine to my father,My father suffered a myocardial infarction on the road,Almost died。”
“Thanks to this genius doctor,He saved my father,My father’s body is much stronger than before,Feel better,Things to do every day,I have seen more people,People who know before,They say that he is more than twenty years younger than before。”
Zhou Tianlong is like a live advertisement,Full of praise for Qin Feng。
“You couple won’t be a caregiver?Haha……”Although I know Zhou Tianlong,But some people can’t help but wonder,Because they don’t trust Qin Feng,I feel that so far there is no one who stands at the top of the medical industry。
If Qin Feng is as amazing as Zhou Tianlong said,Would not know his existence?
And most of the people present were famous people,It’s impossible that no one knows him,So people should question。
“Haha,Do you see me like Zhou Tianlong??”Zhou Tianlong said with a smile。
“If I didn’t know you before,I really believe it!Hahaha……”Talk about it,Still no one believes that the famous Zhou Tianlong will go to help others。
And seeing how Zhou Tianlong respects Qin Feng,No less respect for his father,Plus Liu Huimin,Everyone knows that Mrs. Zhou is a difficult host,Let alone let her be a trustee。
“Did you make trouble today??”Almost done,Zhou Tianlong seems to have only seen his wife,So I asked with some worry。
“Where am i making trouble,Blame you。”Liu Huimin looks wronged,

It is not appropriate to meet without Chen Limu’s permission。

After Chen Limu received a call from George,Talk to George in harmony:“Fortunately you called,I already know,You go another day,Today I want to talk to her alone。”
George answered quickly:“Ok ok,Please listen to Aunt Mu’s arrangement。”
Chen Limu hung up George with satisfaction,Secretly think,It’s still the kid’s knowledge,The heart is facing me everywhere,not bad。
Chen Limu feels better to go to Tian Lu alone,One more person is not good,Talkative,Will make Tian Lu think she is“force”What,It’s not right to form a bad impression。
At this point,Chen Limu is there。
She just doesn’t understand,If it’s your own dog,Why not follow me home?Is it because of injury,Broke my brain,Or because the new owner is too kind to the dog,Let the dog find another new owner?
Are not afraid of the two reasons for analysis,Chen Limu’s biggest worry is that the dog is not his own,This is despair。
First21chapter Tentative
Chen Limu wakes up early,Simple fresh up,Hurry to finish breakfast,To do what she almost wanted to do。
Did not contact Tian Lu in advance,“See the dog”Earnest,Call the driver Li De and can’t wait to rush to the suburban farm。
Suburban farm after a night of light rain,Fresh air,Jungle birds chirping,At first glance, the ecological environment is excellent。
Light clouds in the morning,Xiaguang has no heat,Cover the whole farm。
Milo is at the window,The sunlight on your face is a bit dazzling,Squinting and looking forward,Like thinking about something。

Fahai looked at Xu Xian in white,From what he said before,Can be sure that he is not the kind of person who doesn’t know right and wrong,even,Compared to some so-called Taoist priests,Literati,We must be able to see the truth better,And Xu Xian’s philosophy in white suits Fahai’s philosophy。

“Some of Dr. Xu’s opinions are somewhat similar to those of the little monk,Since Dr. Xu is persuading me,The little monk is very unkind when he refuses。”
Let Fahai feel that perhaps Xu Xian in white can approve his approach,as well as,Acknowledge his philosophy,therefore,Fahai raised the fairy wine in front of him,After pouring a glass for myself,Raise wine glass,Take a sip,He has never drunk before,This time it is considered to have broken the precepts。
“Grandmaster,how is it,The taste of this wine is not as spicy as that of ordinary wine,Fairy wine,Naturally it has a special flavor。”
Xu Xian in white said with a smile,After pouring myself a glass of fairy wine,Close your eyes and taste it gently。
“I wonder if Dr. Xu can deny his love with a ladyboy?”
Fahai feels this fairy wine that he has never drunk before,It really has a special flavor,And it can nourish his body,Although better than nothing,but,Looking at Xu Xian in white with his eyes closed and tasting wine,Fahai asked with a smile。
“Shemale love?Could it be that the master was emotional?just,The master really wants me to tell the truth?I’m afraid the master might say me nonsense。”
Xu Xian in white said with a smile,His mission this time is to eliminate instability,therefore,He has relatively plenty of time,He just waited for the enemy to run out by himself。
“Dr. Xu said it’s okay,The little monk listens respectfully。”
Fahai said with a smile,Maybe it’s because the two people have similar ideas,Or maybe it’s Xu Xian’s strength in white clothes that seems to be different from him,Fahai felt that Xu Xian in white suits his personality,One life,Friends hard to find,therefore,Fahai also wanted to hear the opinion of Xu Xian in white。
“My opinion is,Whimsical,unimaginable,A person will fall in love with a monster,Different race,The aesthetics should also be different,But in this situation, one person and one demon can fall in love,It can be said that there is nothing to say。”
“of course,This is just for ordinary people,Some monster races can be transformed into human forms after they have cultivated to a high level,So,From the outside,It’s like an ordinary person,but,It’s still incredible,that person,What he likes is the human appearance of that monster race?Or the monster body??In either case,Let this person meet the monster body directly,I believe,What love that lasts forever,It’s still a lifetime promise,Will disappear。”
Xu Xian in white said with a smile,This is also his opinion,Just like an ordinary person,Want to marry,Don’t look for those women,But to the fox,Interested like white snake,To this,Xu Xian said,He has nothing to say。

and so,Don’t envy people’s high income from moving bricks,Deserved。

“Hu Ge,Start??The brothers in the group want to know the harvest of the black market。”Hua Zi asked。
Information about those groups,He can’t see it all,So basically the group owner gathers information to him,Then tell Brother Hu。
“Row,Go ahead!”in fact,There seems to be nothing to say。
Such as the black market《Dongshan Ferry Map》,Can you tell me?This is not to block the diplomatic department、Trouble?I can only talk about my own gains。
Many people know,Brother Hu went to the black market tonight,So they are all squatting in the live broadcast room。
As soon as it starts,The number of people online is tens of thousands,It’s like a big anchor。
“Hello everyone!We just came out of the black market,have to say,Is a good place。Some things cannot be made public,Don’t ask everyone,Let me pick something I can say!”Hu Yang greeted friends in the live broadcast room。
Fitch leaned in front of the camera,And say hello funny。
He was also a viewer in the live broadcast room,Suddenly appeared in front of the camera,Have a different feeling,pretty good。
“tonight,It’s a long experience。I also reveal an interesting thing to everyone。”Fitch speaks。
Shen Lao frowned slightly,remind:“Fudge your kid,Pay attention to something,Will cause trouble。”
If some secret information of the black market is exposed,Even him as a guide will have trouble。The black market is not a simple force,There are people in many places in the country。
“Do not worry!When have I been unreliable?”
Populus euphratica a black line,Want to ask:When have you been reliable?
“Let’s talk about the nouveau riche,Look down on us,ridiculous,In the end, more than 1 million made two broken things and went back……”Fitch is still brooding about this,Unhappy,Let the people in the live room have fun。
This kind of fiction has a bloody plot that is forced to slap in the face,Actually met by Brother Hu and the others。
After listening to the audience in the live broadcast room,I feel so happy,The most annoying is the kind of making some money,Just a person with upturned nostrils,I have forgotten that I was an ordinary citizen before。
“Unrecognizable,Brother Hu gets up,It’s also awesome!”

These spirit-eating bees and bee jade flute cherish each other,Now that a large number of people have been beaten down,It was a direct hit for him。

But he knows his mission,Suffocating the blood qi inside the body and continue to command the Spirit Devourer to leave。
Old Lu was relieved to see everyone evacuated,The battle just now was not easy,The power in the opponent is extremely domineering。
“You think you left?”
This group of people rioted him in Lingxiao City,If you don’t let him pay a little, doesn’t it mean that people in the world will laugh?
“The power of Patriarch Tu is indeed domineering,but……I’m not eating dry rice,It may not be easy for the old man to defeat you,But you can’t stop you!”
Old Lu finished,The body disappeared directly from the place in a trance,Only Patriarch Tu watched silently,Because he is clear,I can’t really intercept it。
Lingxiao City is now in chaos,Civilians don’t care,The most important thing is the soldiers,They have nothing to fight under those insects。
“Patriarch,Do you want us to chase。”Elder Tujia came forward,Ask quickly!
Patriarch Tu has been watching the distance for a long time,It took a while to speak:“No need,Let everyone clean up,Then let all the holy places above rank five gather。”
All collections above grade 5?
The elder really doesn’t understand the other party’s meaning。
I knew it would gather a team that was all Rank 5 or above into the Holy Realm,How strong will its combat effectiveness be。
That is no longer the existence of one value for a hundred or one value for a thousand,That is one hundred thousand,Millions of existence。
Faintly,Elder Tujia feels that something very important has happened。
But the other party’s personality is fairly calm,And didn’t rush to ask,But prepare after responding。
Patriarch Tu continued to look at the places where the Spirit Devouring Bees disappeared,His facial features have not become hideous because of what happened just now,Or it’s calm down at this moment,Then the black figure disappeared from the place。
After Xia Chenglong’s riot before,At this moment, the tomb of the Tujia ancestor seems to have lost the mysterious mystery,It’s just a hollow underground。

The powerful gods in the banquet hall all gather their hearts,Dare not miss a word。

This trip,Not only the top three giants in the city have sent representatives,Even the Qin family brazenly sent one person to participate,None of them want to let this understanding go《Hero Summon》Opportunity。
“Wei Xiaoxing,It’s up to you to tell everyone!”Lu Menglin smiled slightly,Nodded at Wei Xiaoxing,And handed over a book。
I saw a scroll appeared,Many people of the gods and nations who were present opened their eyes,Many people have naked greed in their eyes。
When Wei Xiaoxing heard this,,Suddenly frowned,Smile in my heart。
“it’s me again?Am I the spokesperson of Hebu?teacher,Don’t play with me!I am so weak,Can’t afford!Among the hundreds of gods and people present,Most of the people just breathe in,I hung up!Let me lie to them?This is not a joke!It’s going to die!”
Although Wei Xiaoxing is slandering in his heart,But the face is still calm,After all, this is a matter of life and death for human beings,Of course he can handle it。
Reach out and take the scroll,Glanced after unfolding,Wei Xiaoxing was taken aback for a moment,My apple moved twice,Swallowed hard。
Because he really didn’t expect,Teacher Lu actually wrote so many things,It’s crazy。
“cough,cough!Everybody,Let’s put the ugly words first。My host He Bu,Put today《Hero Summon》Share the tips,Can’t be free。After all everyone knows,My master He Bu is still a child,Infinite potential,In order to satisfy his cultivation,Use this《Hero Summon》Exchange some training resources from Red Willow City,Everyone should understand?”Wei Xiaoxing said so much,Shake your head,Plausible。
The guests present nodded,Show that you don’t care。
the reason is simple,That He Bu is just a small child,Even if it has potential,Just one person,How much training resources can he consume?
Even if it’s the best for him,The top training resources,Maybe for a family,Some pressure,Such as Nanshi,But for the hundreds of families in Hongliu City,That’s nothing at all。
Some people have even begun to doubt,It’s because Nan can’t afford such a price,That’s why He Bu decided to publish his magic skills,After all, the Nan family was the first family to come into contact with him,As a result, they didn’t get this magical skill alone,But was made public by this little doll。
of course,Some people think further,I think this is the wise move of Nan’s,If their family has achieved magic skills,I’m afraid of insufficient strength,Dissatisfied other families for nothing,It became innocent,Guilty,Cause more trouble。
“no problem!Just say it directly!Based on what the little hero Hebu did the day before yesterday,How much training resources are needed,Our Beigong family can bear it。”The first to speak was the representative of the Beigong family, one of the four giants in Hongliu City,Bei Gongwang。
This Beigongwang is young,Handsome,Jian Mei Xing Mei,Qiyuxuanang,Waist sword,Vigorous but not,It’s an advanced fighter。

[Effects of Paris Champs Flower Tea]_Benefits_Premise

[Effects of Paris Champs Flower Tea]_Benefits_Premise

Many people in our life especially like to drink flower and fruit tea, because flower and fruit tea tastes better, and he also has a lot of effects, and flower and fruit tea can also be made by yourself, you can add all kinds of favoriteFruits and flowers, the nutritional content of these flowers and fruits can improve the human body’s immunity, and supplement various vitamins needed by the human body, so does the Paris Champs Flower Tea have some effect?

Benefits of long-term drinking Huaguo tea: 1, Huaguo tea has the effect of reconciling the spleen and stomach, and complicates the cold.

The vitamin C contained in the tea itself can improve immunity and enhance the body’s resistance to disease.

Drinking a cup of flower fruit tea is actually equivalent to drinking a glass of fresh fruit juice.

Flower and fruit tea can be used as an auxiliary method for treating diseases with drugs, which can shorten the course of the disease.

2, has the effect of nourishing intermediates.

Some people with indigestion drink tea and even eat the pulp, because it can promote osmotic peristalsis, help to eliminate toxins in the body, and prevent dry stools.

3. Detoxifying effect.

Drinking this tea often can also detoxify your skin, and avoid growing nasty and nasty puppets.

Extended information: Flower and fruit tea is called fruit tea. It is made by concentrating and drying various flowers and fruits. Its composition contains various vitamins, fruit acids and minerals.

Most of the raw materials for making flower and fruit tea are from wild flowers or flowers, but some are specially planted by humans.

Flower and fruit tea generally does not add additives, artificial flavors and pigments in the production and production process. It is natural as a whole. After brewing, the original color of the flower and fruit grains appears colorful and pleasing.

Before the emergence of Indian and Chinese teas, flower and fruit teas had been widely used.

Because it does not contain caffeine, it effectively avoids the problem that ordinary tea leaves people difficult to fall asleep, and does not cause symptoms such as heart palpitations, gastrointestinal upsets, and addiction caused by caffeine drinks for a long time.

Each kind of flower fruit or flower has different nutrition, health and medicinal effects.

Purple rose flower regulates endocrine disorders, eliminates back pain, regulates blood and relieves fatigue, and is effective for wound healing.

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Zhaoyi Innovation (603986): NOR new demand heavy DRAM project continued layout

Zhaoyi Innovation (603986): NOR new demand heavy DRAM project continued layout

This report reads: Zhaoyi Innovation is a leading domestic memory chip design company, with a deep layout of the entire storage platform. Cooperation with Hefei is expected to benefit from the wave of domestic DRAM substitution.

Investment Highlights: 合肥夜网 Coverage for the first time, give overweight rating, target price 191.

91 yuan.

It is estimated that the company’s net profit attributable to the parent in 2019-2021 will be 5.

29, 9.

05, 11.

400,000 yuan, a year-on-year increase of 31%, 71%, 26%, and EPS are 1 respectively.

65, 2.

82, 3.

56 yuan, giving the company 68 times PE in 2020, corresponding to an investment of 191.

91 yuan.

Zhaoyi Innovation is a leading company in domestic memory chips and microcontrollers.

The company’s main business is memory chips and microcontroller products, with a deep and in-depth layout of the storage + IoT business, and it has gradually grown into a leading domestic storage platform company.

Emerging applications of TWS + AMOLED + IoT drive the boom of NOR Flash.

1) TWS headphones: It is expected that the company’s 苏州桑拿网 share of major customers will far exceed market expectations, and the capacity of TWS headphones will be significantly increased in the future.

(2) AMOLED: In the future, the capacity of NOR for AMOLED is expected to show a breakthrough increase, which will lead to a rapid increase in the size of the entire market.

(3) IOT, emerging applications are booming: automotive, industrial control, wearable bracelets, game consoles, substrates, etc. have become the company’s main future growth points.

Committed to building a full storage platform, it is expected to deeply benefit from domestic substitution dividends.

1) At present, the DRAM market is almost monopolized by the three giants of Micron, Samsung, and Hynix, which have been transformed into the company’s Hefei project, which is trying to make the first profit in the wave of domestic alternatives and quickly increase market share.

2) The company acquired Siliwei’s approval documents, deployed human-computer interaction in the field of Internet of Things, and had a significant synergy with the company’s main business, further enhancing the company’s competitive advantage.

Risk warning: the global semiconductor boom is down, downstream demand growth is not up to expectations, and Hefei DRAM production scale is not up to expectations.

CPIC (601601): No fear of marginal improvement in short-term new pressured investment end

CPIC (601601): No fear of marginal improvement in short-term new pressured investment end

Reserves are released, the expense ratio is stable, the investment side is improved, and profit growth is promoted.

In Q1 2019, the company achieved a net profit of 5.5 billion (YoY + 46%).

Mainly due to: 1) Total premiums increased steadily and the expense ratio was stable: 19Q1 company’s life insurance premium income was 92.9 billion (YoY + 3%), and property insurance premium income was 35.4 billion (YoY + 13%).

Fee and commission expenses decreased by 9% (the same as the decrease in new orders). The fee and commission expenses rate was YoY-2pct, and the management expense rate was YoY + 2pct. The expense rate was basically flat.

2) 750-day moving average online migration, negative growth of new orders, resulting in release of reserves and increased profits: the insurance liability reserve drawn by the company in 19Q1 decreased by 7%, accounting for 47% of premium income (YoY-6pct).

Relatively speaking, the new life insurance in 19Q1 saw a negative growth of 9%, which was the primary reason for the decline in insurance liability reserves.

At the same time, it is estimated that as of the end of 19Q1, the 750-day movement of the ten-year government bond maturity yield is relatively 3.

38%, which was 8bps higher at the end of 18Q1. Generally speaking, insurance companies will raise the assumption of discount rates for traditional insurance reserves and reduce the provision for insurance contract reserves.

Assuming that the company has not adjusted its reserve discount rate assumption, the change in the proportion of 19Q1 reserve withdrawals in premium income should be the same as the decline in new orders.

However, the change in the actual withdrawal rate is lower than the decrease in new orders. Therefore, we can rule out that the company’s actuarial assumptions or adjustments are more cautious.

3) The elasticity of equity assets is prominent, and the return on investment has picked up.

1Q1 total investment yield 4.

6% (+ 4pct year-on-year), with a net investment return of 4.

4% (year-on-year + 2pct), comprehensive investment return rate (estimated) 7.

4% (+ 3pct year-on-year).

Mainly related to investment income, gains and losses from changes in fair value, and other comprehensive income increased by RMB 2,918,680 million, respectively, to RMB 1,55,117,200 million.

Life insurance: New orders have a slight negative growth. It is expected that the improvement of the structure will help the NBV decline more narrowly.

1) 19Q1 life insurance premiums were 929 trillion (YoY + 3%), total new orders were 20.8 billion yuan (YoY-9%), new individual and group insurance orders were 17.4 billion (YoY-13%), and 34 trillion (year-on-year growth19%).

Among them, the proportion 北京夜网 of a long-term insurance business is likely to increase.

The improvement of the “open door” business structure directly promotes the improvement of NBVM. It is expected that the decline in NBV will gradually be lower than that of new orders, and the pressure on new orders will be eased from Q2.

2) Renewal premiums of 687 million (YoY + 11%). The growth rate has fallen or the overall premium growth rate may have fallen this year due to the decline in the premiums paid in 2018.

Property insurance: Car insurance increased steadily, and non-vehicles increased rapidly, helping the insurance premiums continue to grow.

19Q1 property insurance premiums were 35.4 billion (YoY + 13%), a growth rate of 6 pct lower than the same period last year, mainly due to the increase in auto insurance premiums.

1) Commercial 深圳桑拿网 vehicle fares have been deepened and new car sales have increased. In 19Q1, auto insurance premium income was only 23.7 billion yuan (YoY + 6%), which is expected to achieve a steady growth in auto insurance.

The fee reform was deepened, and the integration of newspapers and banks continued to advance. Under the pressure of expense ratios, leading insurance companies have a broad stock of businesses, and have outstanding channels, pricing and fixed loss advantages.

2) Non-auto insurance premiums of 117 million (+ 28% year-on-year) maintained a high increase, mainly due to the assistance of guarantee insurance, liability insurance and agricultural insurance, which is expected to become a new growth point for property insurance premiums.

The margin of investment has improved significantly, and the style of asset allocation is stable without changing the elasticity of equity assets.

1Q1 CPIC’s income from investment assets accounted for 82.

6% (from the end of last year-0.

5pct); stocks and equity funds account for 6.

7% (+1 from the end of the previous year.

1pct), which is still at the level of listed peers. It is expected that the increase in the proportion will be mainly due to the increase in market value, rather than actively adding positions.

Under the neutral assumption, the bond yield is 4.

5%, non-standard rate of return 7.

1%, CPIC 19Q1 stock + equity fund income increased negative.

Combined with the stock market’s 30% increase in 19Q1 and other comprehensive income increasing by $ 6.8 billion, we assume that the stock + equity fund yield of 5% will gradually increase CPIC’s total investment yield to 5 in 2019.


Investment suggestion: Life insurance new order pressure will be eased from Q2, and the decline will gradually narrow; business structure continues to be optimized, NBVM is improved, and NBV is expected to turn positive in 19H1.Auto insurance has increased steadily, while non-vehicle insurance has increased steadily, helping to increase the property insurance premiums steadily; leading insurance companies have outstanding pricing and fixed loss advantages, which is expected to achieve excess underwriting profit compared to the industry.

The stock market bottomed out and the 10-year Treasury yield steadily rose. The investment side will show a definitive marginal improvement.

At present the company meets the corresponding P / EV of 2019-2021 is 0.

9x, 0.

8x, 0.

7 times, maintaining the highly recommended level.

Risk warning: interest rates continue to fall, market volatility, investment income growth; premium growth is less than expected.