Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller（出纳员）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”（虚拟）banks that have no physical branches or tellers whatsoever .
The challenge（挑战）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 （功能的）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 commonplace 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 （确认）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 .The word “eliminate” in the first paragraph probably means “ ”.
| A．keep | B．remove | C．reduce | D．improve |
What is the challenge for the 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 . |
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 |
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 |
Five years ago, David Smith wore an expensive suit to work every day. “I was a clothes addict,” he jokes. “I used to carry a fresh suit to work with me so I could change if my clothes got wrinkled.” Today David wears casual clothes-khaki pants and sports shirt-to the office. He hardly ever wears a necktie. “I’m working harder than ever,” David says, “and I need to feel comfortable.”
More and more companies are allowing their office workers to wear casual clothes to work in the United States. The change from formal to casual office wear has been gradual. In the early 1990s, many companies allowed their employees to wear casual clothes on Friday(but only on Friday). This became known as “dress-down Friday” of “casual Friday”. “What started out as an extra one-day-a-week benefit for employees has really become an everyday thing.” said business consultant Maisly Jones.
Why have so many companies started allowing their employees to wear casual clothes? One reason is that it’s easier for a company to attract new employees if it has a casual dress code. “A lot of young people don’t want to dress up for work,” says the owner of a software company, “so it’s hard to hire people if you have a conservative dress code.” Another reason is that people seem happier and more productive when they are wearing comfortable clothes. In a study conducted by Levi Strauss and Company, 85 percent of employers said that they believe that casual dress improves employee morale. Only 4 percent of employers said that casual dress has a negative impact on productivity. Supporters of casual office wear also argue that a casual dress code helps them save money. “Suits are expensive, if you have to wear one every day,” one person said. “For the same amount of money, you can buy a lot more casual clothes.” David Smith refers to himself as having been “a clothes addict,” because _______.
| A．he often wore khaki pants and a sports shirt |
| B．he couldn’t stand a clean appearance |
| C．he wanted his clothes to look neat all the time |
| D．he didn’t want to spend much money on clothes |
David Smith wears casual clothes now, because _______.
| A．they make him feel at ease when working |
| B．he cannot afford to buy expensive clothes |
| C．he looks handsome in casual clothes |
| D．he no longer works for any company |
According to this passage, which of the following statements is false?
| A．Many employees don’t like a conservative dress code. |
| B．Comfortable clothes make employees more productive. |
| C．A casual clothes code is welcomed by young employees. |
| D．All the employers in the U. S. are for casual office wear. |
According to this passage, which of the following statements is true?
| A．Company workers started to dress down about twenty years ago. |
| B．Dress-down has become an everyday phenomenon since the early 1990s. |
| C．“Dress-down Friday” was first given as a favor from employers. |
| D．Many workers want to wear casual clothes to impress people. |
In this passage, the following advantages of casual office wear are mentioned in the passage except _______.
| A．saving employees’ money |
| B．making employees more attractive |
| C．improving employees’ motivation |
| D．making employees happier |
A punctual person is in the habit of doing a thing at the proper time and is never late in keeping an appointment.
The unpunctual man, on one hand, never does what he has to do at the proper time. He is always in a hurry and in the end loses both time and his good name. A lost thing may be found again, but lost time can never be regained. Time is more valuable than material things. In fact, time is life itself. The unpunctual man is for ever wasting and mismanaging his most valuable asset (财产) as well as other’s. The unpunctual person is always complaining that he finds no time to answer letters, or return calls or keep appointments promptly. But the man who really has a great deal to do is very careful of his time and seldom complains of want of it. He knows that he can not get through his huge amount of work unless he faithfully keeps every piece of work when it has to be attended to.
Failure to be punctual in keeping one’s appointments is the sign of disrespect towards others. If a person is invited to dinner and arrives later than the appointed time, he keeps all the other guests waiting for him. Usually this will be regarded as a great disrespect to the host and all other guests present.
Unpunctuality, moreover, is very harmful when it comes to do one’s duty, whether public or private. Imagine how it would be if those who are put in charge of important tasks failed to be at their proper place at the appointed time. A man who is known to be habitually unpunctual is never trusted by his friends or fellow men. What does the author think is the main difference between a punctual person and an unpunctual person?
| A．A punctual person does everything ahead of time while an unpunctual person does everything behind schedule. |
| B．A punctual person does everything at the right time while an unpunctual person seldom does anything at the correct time. |
| C．A punctual person has a lot of appointments while an unpunctual person has few appointments. |
| D．A punctual person has much time to do everything while an unpunctual person has little time to do anything. |
According to the passage, the main reason that a person is always unpunctual is that _______.
| A．he has more work to do than other people |
| B．he is always in a hurry when he works |
| C．he doesn’t care much about time |
| D．he always mismanages and wastes his time |
According to the third paragraph, when you are invited to dinner, you should arrive there _______.
| A．after other guests have arrived |
| B．before all other guests |
| C．at the appointed time |
| D．after the host has got things ready |
Which of the following statements best describes the harm of unpunctuality?
| A．If you are an unpunctual person, you cannot be in charge of any important task. |
| B．If your friends know that you are unpunctual, they may not see you again. |
| C．Unpunctuality may bring about heavy losses for both public and private affairs. |
| D．Unpunctuality may make you miss a lot of appointments and lose friends. |
“The first and best of victories is for a man to conquer himself; to be conquered by himself is, of all things, the most shameful,” says Plato. Self-control is at the root of all the advantages. Let a man give in to his impulses (冲动) and feelings, and from that moment he gives up his moral (道德上的) freedom.
A single angry word has lost many a friend. When Socrates found in himself any temper or anger, he would check it by speaking low in order to control himself. If you are conscious of being angry, keep your mouth shut so that you can hold back rising anger. Many a person has dropped dead in great anger. Fits of anger bring fits of disease. “Whom the gods would destroy they first make mad.” “Keep cool”, says George Herbert, “for fierceness (狂怒) makes error a fault.”
To be angry with a weak man is to prove that you are not strong yourself. “Anger,” says Pythagoras, “brings with folly(愚蠢) and ends with regret.” You must measure the strength of a man by the power of the feelings he conquers, not by the power of those which conquer him.
Self-control is man’s last greatest victory.
If a man lacks self-control he seems to lack everything. Without it he can have no patience, no power to govern himself; he can have no self-confidence, for he will always be controlled by his strongest feeling. If he lacks self-control, the very backbone and nerve of character are lacking also. What does the reader learn from the first paragraph?
| A．The greatest victory for a man is to conquer everything except himself. |
| B．One’s moral freedom is based on the control of himself. |
| C．To control oneself is the most difficult in one’s life. |
| D．If a person is too stubborn, he will feel most shameful. |
What is the correct interpretation of “Whom the gods would destroy they first make mad” ?
| A．If the gods want to kill you, they make you crazy first. |
| B．If you always lose your temper, you will soon be finished. |
| C．If you cannot control yourself, you will become crazy. |
| D．If you are mad, you will be punished by the gods. |
If a man lacks self-control, he lacks all of the following EXCEPT _______.
| A．the very backbone and nerve of character |
| B．the patience and power to control himself |
| C．strong feelings |
| D．self-confidence |
The author’s main purpose in writing this article is to _______.
| A．explain that self-control is the key to success |
| B．teach people how to control everything in order to make a great success |
| C．distinguish all kinds of self-control and suggest ways for keeping it |
| D．advise people not to lose temper so as to make and keep more friends |
Among various programmes, TV talk shows have covered every inch of space on daytime television. And anyone who watches them regularly knows that each one is different in style(风格). But no two shows are more opposite in content, while at the same time standing out above the rest, than the Jerry Springer and the Oprah Winfrey shows.
Jerry Springer could easily be considered the king of “rubbish talk”. The contents on his show are as surprising as can be. For example, the show takes the ever-common talk show titles of love, sex, cheating, and hate, to a different level. Clearly, the Jerry Springer show is about the dark side of society, yet people are willing to eat up the troubles of other people’s lives.
Like Jerry Springer, Oprah Winfrey takes TV talk show to its top. But Oprah goes in the opposite direction. The show is mainly about the improvement of society and different quality(质量) of life. Contents are from teaching your children lessons, managing your work week, to getting to know your neighbors.
Compared to Oprah, the Jerry Springer show looks like poisonous waste being poured into society. Jerry ends every show with a “final word”. He makes a small speech about the entire idea of the show. Hopefully, this is the part where most people will learn something very valuable.
Clean as it is, the Oprah show is not for everyone. The show’s main viewers are middleclass Americans. Most of these people have the time, money, and ability to deal with life’s tough problems. Jerry Springer, on the other hand, has more of a connection with the young adults of society. These are 18-to-21-year-olds whose main troubles in life include love, relationship, sex, money and drug. They are the ones who see some value and lessons to be learned through the show’s exploitation. Compared with other TV talk shows, both the Jerry Springer and the Oprah Winfrey are ____.
| A．more interesting | B．unusually popular | C．more detailed | D．more formal |
Though the social problems Jerry Springer talks about appear unpleasant, people who watch the shows____.
| A．remain interested in them | B．are ready to face up to them |
| C．remain cold to them | D．are willing to get away from them |
Which of the following is likely to be a topic of the Oprah Winfrey show?
| A．A new type of robot. | B．Nation hatred. |
| C．Family income planning. | D．Street accident. |
We can learn from the passage that the two talk shows_____.
| A．have become the only ones of its kind |
| B．exploit the weaknesses in human nature |
| C．appear at different times of the day |
| D．attract different people |
In every school there is a “top” crowd that sets the pace, while the others follow their lead. Let’s say the top crowd decides that it is smart to wear bright red sweaters. Pretty soon everybody is wearing a bright red sweater.
There is nothing wrong with that, except the fact that on some people bright red sweater is extremely unbecoming. The situation can even become dangerous, if the top crowd decides that it is smart to drink or to drive cars at seventy miles an hour. Then the people who follow the lead are endangering their lives. They are like the sheep being led to the butcher.
Now, chances are that you have come across situations like these more than once in your life; chances are that one time or another you probably did something you knew to be wrong. You may have excused yourself by saying, “Gee, the crowd does it.” Well, let the crowd do it, but don’t do it yourself. Learn to say, “No.”
Develop your own standards and your own judgment. If you know the crowd is planning something you disagree to, have the courage to bow out mannerly. You’ll have the satisfaction of standing on your own two feet. Which is the best title for this passage?
| A．Follow the Lead. | B．Top Crowd. | C．Being Yourself. | D．Bright Red. |
The author doesn’t think it good wearing red sweaters if ________.
| A．the crowd does it | B．you can’t afford them |
| C．you don’t look good in red | D．the situation isn’t safe |
According to the passage, people who follow the crowd ________.
| A．sometimes do things against their better judgment |
| B．make mistakes blindly |
| C．are willing to put their lives in danger |
| D．will in the end become pace-setters |
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