Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to avoid costly paper handling or teller（出納員）interactions in an increasingly competitive banking environment.

Today, most large national banks, many local banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual” banks that have no physical branches or tellers whatsoever.

The challenge for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it. Most of the large banks can now offer fully safe , fully functional online banking for free or for a small cost. As more banks succeed online and more customers use their sites, fully functional online banking will likely become as common as automated teller machines (ATM).

Online banking has a lot of advantages. Unlike your corner bank, online banking sites never close; they’re at hand 24 hours a day, seven days a week and they’re a mouse click away. If you’re out of state or even out of the country when a money problem appears, you can log on instantly to your online bank and take care of business. Online bank sites generally carry out and confirm deals at or quicker than ATM processing speeds. Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively.

1. Online banking is considered as a powerful tool for the following reasons except that .

A. It attracts new customers

B. It increases paper handling and teller interaction

C. It saves workforce and money

D. It is more convenient

2. What is the challenge for the online banking industry according to the text?

A. To make online banking attractive.

B. To open new services all over the world.

C. To offer online banking for free.

D. To take care of business 24 hours a day.

3.From the text we can conclude that _______.

A. “brick-to-click” banks are in fact another kind of physical banks

B. the function of a “brick-to-click” bank is as common as that of an ATM

C. a “brick-to-mortar” bank is no better than a virtual one

D. customers can deal with their banking by a mouse click

4.What would be the best title for this text?

A. Banking of Various Forms.

B. Improvement of Banking Industry.

C. Development of Online Banking.

D. Functions of the “Brick-to-Click” Bank.

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They wear the latest fashions with the most up-to-date accessories(配飾). Yet these are not girls in their teens or twenties but women in their sixties and seventies．A generation which would once only wear old-fashioned clothes is now favouring the same high street looks worn by those half their age．

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While working in the country, the students ______ a lot of knowledge about plant.

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We are surrounded by mixed messages about mistakes: we're told we earn by making them,

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