non profit charities Until then, depositors had not even seen a rise. The response to the value of diversity is intellectual. Intellectual (including concept and image) is higher animals of conditioned reflex formed on the basis of more common, more abstract conditioned reflex, it is produced by the external and internal relations of things contact of abstract understanding. Among them, the abstract cognition of the internal relation of things forms the concept, and the abstract understanding of the external relations of things forms an image. Concept and image is what you have done to learn something from the induction and summary, make the person's behavior pattern has a more systemic and purpose, make people not only can adapt to the complex survival environment, but also the initiative to choose the environment. Due to the learning of thinking and behavior patterns are often fragmentary, irregular and blind, people often "learning, and I don't know why," can't consciously use, only after forming concept and image, will be to sort out a "main line", and according to the logic of determined by the "mainline" direction will learn things lined up. Through the abstract and image, the person can be either things to take the same responses to different stimuli, can also take different responses of the same stimulus thing, make the person's reaction mode diversification, flexible and purpose. For example, there are also harmful substances, which can be used in various ways, such as evasion, attack or protection, depending on the situation. Anyway, intellectual is very higher organisms (such as monkeys and apes) outside of the value of diversity things very advanced way of ordering reac The five-year average interest rate is also gradually rising, now more than 2 percentage points for the first time since July 2016.