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STAY INFORMED WITH CITIZENS,BANK!

Are you a busy person who likes to stay on top of your finances? Then why do you waste your time constantly checking your bank account? Citizens' Bank now offers a new service for you.

With our new Automated Alert Service,Citizens' Bank account holders can have important account information sent directly to their cell phone or email address.The type of information you'll receive is up to you;

●Be informed when your account balance drops below a certain level.

●Receive notification (通知)when a specific check clears.

●Find out instantly whenever a withdrawal is made.

And at the end of the month,your complete bank statement will still be sent to you.With Automated Alerts,staying on top of your banking will be a lot easier.For more information,contact us at aas@citizensbank.net or drop by your nearest branch.

From;Robert Renfield robertyaho@nemo.com

To:Citizens' Bank aas@citizensbank.net

Subject;An Inquiry of the Alert Service

Good afternoon,

I am writing to request more information on your new Automated Alert Service,as advertised on your Website.I have had both personal and commercial accounts with Citizens' Bank for many years.Often,I find it necessary to move money between accounts.Because of this,it is vital that I keep a close eye on the cash flow of all of my accounts,to assure that their balances stay above the required minimums.Therefore,I have been searching for an economical means of keeping better track of my finances.I was considering purchasing software for this purpose,but I think that your new service might be a convenient alternative.

My first question concerns the timeliness of the notifications.When you say “instantly,” does that relate only to banking hours? For example,if my wife were to use our debit card (借记卡)on a Sunday afternoon to make a transfer (转账)at an ATM,would I be informed via email instantly or on Monday morning? My second question is in regard to the information available in this service.Is it possible to be aware of any information in my monthly bank statement,such as interest on my savings account? Finally,I would like to know the cost of this service.

Please send me this information as soon as possible.If necessary,you can contact me in the evenings at 225-782-0902.

R.Renfield

1.What is Citizens' Bank advertising?

A.A kind of checking account.

B.A way to bank over the phone.

C.A free hotline for new customers.

D.A service for account holders.

2.What is Mr Renfield's relation to Citizens' Bank?

A.He has had accounts with it for many years.

B.He is a member of its board of directors.

C.He recently opened a new account with it.

D.He used its Automated Alert Service.

3.Which of the following will be most important for Mr Renfield?

A.Receiving information directly on his cell phone.

B.Knowing when his balances drop to a certain level.

C.Being informed when a specific check clears.

D.Having his monthly bank statement sent to him.

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The sharing economy, represented by companies like Airbnb or Uber, is the latest fashion craze. But many supporters have overlooked the reality that this new business model is largely based on escaping regulations and breaking the law.

Airbnb is an Internet-based service that allows people to rent out spare rooms to strangers for short stays. Uber is an Internet taxi service that allows thousands of people to answer ride requests with their own cars. There are hundreds of other such services.

The good thing about the sharing economy is that it promotes the use of underused resources. Millions of people have houses or apartments with empty rooms, and Airbnb allows them to profit from these rooms while allowing guests a place to stay at prices that are often far less than those charged by hotels. Uber offers prices that are competitive with standard taxi prices and their drivers are often much quicker and more trustworthy.

But the downside of the sharing economy has gotten much less attention. Most cities and states both tax and regulate hotels, and the tourists who stay in hotels are usually an important source of tax income. But many of Airbnb’s customers are not paying the taxes required under the law.

Airbnb can also raise issues of safety for its customers and trouble for hosts’ neighbors. Hotels are regularly inspected to ensure that they are not fire traps and that they don’t form other risks for visitors. Airbnb hosts face no such inspections.

Since Airbnb is allowing people to escape taxes and regulations, the company is simply promoting thefts. Others in the economy will lose by bearing an additional tax burden or being forced to live next to an apartment unit with a never-ending series of noisy visitors.

The same story may apply with Uber. Uber is currently in disputes over whether its cars meet the safety and insurance requirements imposed on standard taxis. Also, if Uber and related services flood the market, they could harm all taxi drivers’ ability to earn a minimum wage.

This downside of the sharing needs to be taken seriously, but that doesn’t mean the current tax and regulatory structure is perfect.

1.What is the positive thing about the sharing economy?

A. It is a global trend.

B. It is beyond regulations.

C. It draws on spare resources.

D. It brings in modest profits.

2.What is the problem with Airbnb customers according to the passage?

A. They are not regularly inspected.

B. They are likely to commit thefts.

C. They are allowed not to pay taxes.

D. They can be noisy to hosts’ neighbours.

3.What is the argument over Uber according to the passage?

A. Whether it guarantees customers’ safety.

B. Whether it provides reliable services.

C. Whether it lowers customers’ expenses.

D. Whether it can compete with standard taxis.

4.What will be talked about in the following paragraphs?

A. Existing regulations and laws.

B. Necessary improvements of current laws.

C. Further development of Airbnb and Uber.

D. More downsides of Airbnb and Uber.

Several times my daughter had telephoned to say, “Mum, you must come and see the daffodils(水仙花)before they are over.”

I wanted to go, but it was a two-hour drive from Lake Arrowhead. "I will go next Tuesday," I promised, a little unwillingly, on her third call.

The next Tuesday dawned cold and rainy. Still, I had promised, and so I drove there. When I finally walked

into Carolyn's house and hugged and greeted my grandchildren, I said, "Forget the daffodils, Carolyn! The road is invisible (看不见的) in the cloud and fog, and there is nothing in the world except you and these children that I want to see!"

My daughter smiled calmly and said, "We drive in this weather all the time, Mum. You will never forgive

yourself if you miss this experience."

After about twenty minutes, we turned onto a small road and I saw a small church. On the far side of the church, I saw a hand-lettered sign that read "Daffodil Garden"? We got out of the car and each took a child's hand, and I followed Carolyn down the path. Then, we turned a comer of the path, and I looked up amazed. Before me lay the most beautiful sight. Flows of flowers of different colors seemed poured down the peak and slopes. There were five acres of flowers! A seas of daffodil! It was like a fairyland all beyond description.

"But who has done this?" I asked Carolyn. "It's just one woman," Carolyn answered. That's her home, "Carolyn pointed to a well-kept A-frame house that looked small and modest in the midst of all that glory. We walked up to the house. On the patio (露台), we saw a poster." Answers to the Questions I Know You Are Asking" was the headline.

The first answer was a simple one. "50,000 bulbs (鳞茎)" it read. The second answer was, "One at a time, by one woman." The third answer was, "Began in 1958."

I thought of this woman whom I Had never met, who, more than fifty years before, had begun-one bulb

at a time-to bring the beauty and joy to the mountain top. Just planting one bulb at a time, year after year, had changed the world where she lived and created something of magnificence, beauty, and inspiration.

When we multiply tiny pieces of time with small amounts of daily effort, we too can accomplish great things. Everyone can do something to change the world.

1.The writer wasn’t going to see the daffodils at first because ______.

A. she cared more about the children

B. they were on a remote mountain top

C. the weather was not good enough

D. it was not easy for her to drive there

2. What do we know from the passage about the woman who grew daffodil?

A. She must have been a modest woman

B. She worked as a professional gardener

C. She grew the daffodils over 50 years by herself

D. Being poor, she made a living by selling daffodils

3. What has the writer learned from this experience?

A. It’s never too late to learn

B. Nothing is too difficult if you put your heart into it

C. People can change the world where they live by growing flowers

D. Accumulation of small steps may lead to something magnificent

4.Which may be the best title for the passage?

A. An Unforgettable Experience

B. A woman and Daffodils

C. The Daffodil Garden

D. One bulb grown, magnificence dawns

My dad loved pennies, especially those with wheat. Those were the pennies he grew up with in Iowa and he didn’t have many.

When I was a kid, Dad and I would go for walks together. We’d spy coins along the way. Whenever I picked up a penny, he'd ask, "Is it a wheat?" It always thrilled him when we found one of those special coins produced between 1909 and 1958, the year of my birth. He told me he often dreamed of finding coins. “I have that dream too!” I told him. It was our secret connection.

Dad died in 2002. One grey day, not long after his death, I was walking down Fifth Avenue and I found myself in front of the oldest church in Manhattan, which my father had been attending. I was greeted in warmly. The song was Dad's favorite, one we’d sung at his funeral.

After the service, I walked out, stepped onto the sidewalk—and there was a penny. I picked it up, and sure enough, it was a wheat, a 1944, a year my father was serving on a ship in the South Pacific. Then, wheat pennies began turning up on the sidewalks everywhere. I got most of the important years: his birth year, the war years, the year he met my mom, the year they got married. But, no 1958 penny-my year.

The next Sunday, after the service, I was walking up Fifth Avenue and spotted a penny in the middle of the street. It was a busy street, but I risked my safety and got it.

A wheat! There was my birthday.

I found 21 wheat pennies on the streets of Manhattan in the year after my father died, and I don't think that's a coincidence.

1.What is the best title for the text?

A. Pennies from Heaven

B. My loving Dad

C. My happy childhood

D. Days in New York

2.What do we know about Dad in the text?

A. Dad helped to build the old church.

B. Dad was once in the navy during the war.

C. Dad had enough money to spend as a kid.

D. Dad was greedy for he always looked for pennies.

3.How did the author find the penny with his year?

A. He searched hard and found it.

B. He dug in the street in order to get it.

C. He sang a religious song in order to find it.

D. He found it by chance but got it by trying hard.

4.What does the author mean by the last sentence?

A. Dad buried the pennies before passing away.

B. Our life is fixed and no one can change it.

C. The author thinks 21 pennies is a lot of money.

D. The pennies started for father’s love from heaven.

Can dogs and cats live in perfect harmony in the same home? People who are thinking about adopting a dog as a friend for their cats are worried that they will fight. A recent research has found a new secret of success. According to the study, if the cat is adopted before the dog, and if they are introduced when still young (less than 6 months for cats, a year for dogs), it is highly likely that the two pets will get alongswimmingly. Two?thirds of the homes interviewed reported a positive relationship between their cat and dog.

However, it wasn't all sweetness and light. There was a reported coldness between the cat and dog in 25% of the homes, while fighting were observed in 10% of the homes. One reason for this is probably that some of their body signals were just opposite. For example, when a cat turns its head away it signals attacking, while a dog doing the same signals giving in.

In homes with cats and dogs living peacefully, researchers observed a surprising behavior. They are learning how to talk each other's language. It is a surprise that cats can learn how to talk “dog”,and dogs can learn how to talk “cat”.

What's interesting is that both cats and dogs have appeared to develop their intelligence. They can learn to read each other's body signals, suggesting that the two may have more in common than we previously thought. Once familiar with each other's presence and body language, cats and dogs can play together, greet each other nose to nose, and enjoy sleeping together on the sofa. They can easily share the same water bowl and in some cases groom (梳理) each other.

The meaning of this research on cats and dogs may go beyond pets—to people who don't get along, including neighbors, colleagues at work, and even world superpowers. If cats and dogs can learn to get along, surely people have a good chance.

1.The underlined word “swimmingly” in Paragraph 1 is closest in meaning to .

A. early B. quickly C. sweetly D. violently

2.Some cats and dogs may fight when .

A. they are cold to each other

B. they look away from each other

C. they are introduced at an early age

D. they misunderstand each other's signals

3.It is suggested in Paragraph 4 that cats and dogs .

A. have common interests

B. are less different than what we thought

C. have a common body language

D. are less intelligent than what we expected

4.

A. We should learn to live in harmony.

B. We should know more about animals.

C. We should live in peace with animals.

D. We should learn more body languages.

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