在海运保险业务中，构成共同海损的条件是()。

在海上保险业务中，构成被保险货物“实际全损”的情况有( )。

A．保险标的物完全灭失

B．保险标的物丧失已无法挽回

C．保险标的物发生变质，失去原有使用价值

D．船舶失踪达到一定时期

此题为多项选择题。请帮忙给出正确答案和分析，谢谢！

在国际货物运输保险业务中，单独海损仅涉及受损货物所有人单方面的利益，因而仅由受损方单独承担损失，这种损失是( )。

A．有时是全部损失，有时是部分损失

B．部分损失

C．全部损失

D．实际全损

请帮忙给出正确答案和分析，谢谢！

某外贸公司出口茶叶5公吨，在海运途中遭受暴风雨，海水涌入仓内，致使一部分茶叶发霉变质，这种损失属于( )。

A．单独海损

B．推定全损

C．共同海损

D．实际全损

请帮忙给出正确答案和分析，谢谢！

Unless otherwise stipulated in the Credit，banks will accept an insurance certificate or a declaration under an open cover presigned by insurance companies or under writers or their agents．If a credit specifically calls for an insurance certificate or a declaration under an open cover，banks will accept，in lieu there of，an insurance policy． Unless otherwise stipulated in the Credit，or unless it appears from the insurance document that the cover is effective at the latest from the date of the goods，banks will not accept an insurance document which bears a date of issuance later than the date of loading on board or dispatch or taking in charge as indicated in such transport document．

请帮忙给出正确答案和分析，谢谢！