I want to tell you the story of one of my old friends called Bob. His teachers called him A Troublemaker. They also said that he had no future and no hope. But now he owns a small second-hand bookstore store which makes him enough money to live on and also to support his mother.

He told me that after he finished grade nine, he went to study at a technical college. He was a pretty bad student so he became one of the gang (一帮) leaders there. Many of them got caught many times for fighting.

It looked like nothing could change his life. That was until one sad day when his father died. That changed everything.

After his father died, his mother had to work very hard to make enough money to support the family. He told me that he really pitied his mum after his dad died. He felt that he needed to earn some money rather than let his mum work alone. He loved reading cartoon(卡通) books and had been collecting them for years. As his family was short of money, he decided that he should sell them. He did this by the side of the road where his mother was selling food.

Soon he realized that his books were very popular. So he decided to set up his own business. He started his business by going around buying cartoon books from other people. He bought them for 25% and then sold them for half price. He could make enough money to help support the family.

He was a troublemaker to his teachers but he is a hero to me. If you are judged as a bad student or as someone being stupid, I suggest you pay no attention to what they say. Just do your best in everything. Don’t give up so easily. Believe in yourself. If you think that you can do it, then you can. Believe me, one day you could be more successful than those persons who looked down upon you.

1.What does the author want to tell the readers?

A. How a young man helped his mother.

B. How a young man graduated from college.

C. People can change when they are determined to.

D. People can be successful after they lose a family member.

2.Bob felt that he should change his way of life mainly because he ________.

A. pitied his mother

B. got caught for fighting

C. wanted to work with his mother

D. had to sell food by the roadside

3.Bob decided to start his own business when he ________.

A. sold all his cartoon books

B. found others liked cartoon books

C. could write his own cartoon books

D. could buy cartoon books from others

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” 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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