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

There once lived a young man who was always unhappy and complained about his poverty. One day, he went to see a fortune teller to inquire how to become_____1____. The fortune teller said, "Young man, you are already wealthy now."

"Where is my wealth?" the young man asked _______2____.

"It is with you. Your _______3___ is (are) your wealth. You use them to see this world. You use them to see all the ______4______things in this world. You can read, study and learn. Your hands are your wealth. You can use them to work. You can use them to hug your beloved ones. Your ____5_____are your wealth. You can go to any places..." the fortune teller said.

"You call these wealth? Everyone has them," the young man said.

"These are wealth. What you have now are not what others can luckily have. Are you ______6___ to give your eyes to me? I am willing to give you a lot of money to _____7_____ for them," the fortune teller said.

"No, are you crazy? I am not going to exchange my eyes for money! They are _____8____ to me!" the young man ____9_______.

"Precisely, these are wealth to you. You will not exchange them for money. Furthermore, although a lot of people have their wealthy things, they do not ____10_____ them or treasure them. They are not_____11____ to Heaven for giving them their wealth. They even complain that Heaven is unfair to them. Do you want to _____12_____one of them before you will treasure them?" the fortune teller said.

Everyone is wealthy. But we should not ____13______it for granted. We need to treasure our wealth, take care of it and use it _____14_____. We should not overuse it because once it is ____15____, it is gone forever. Remember it is our wealth that we do not want to lose.

短文改错（共10小题；每小题1分，满分10分）
下面短文中有10处语言错误。请在有错误的地方增加、删除或修改某个单词。
增加：在缺词处加一个漏字符号（∧），并在下面加上该加的词。
删除：把多余的词用斜线（\）划掉。
修改：在错的词下划一横线，并在该词下面写上修改后的词。
注意：1. 每处错误及其修改均仅限一词；
2. 只允许修改10处，多者（从第11处起）不计分。
A visitor visits an island where two tribes live. One tribe always tells the truth and an other always lies. The truth tellers live on the western side of the island, and those which lie live on the eastern side. The visitor wants determine whether the native beside he is a truth teller or not by ask only one question. He asks the native, “Go or ask the native in the distance which side of the island he lives to.” When the messenger returned, he says, "He said he lives on the western side of the island."
Is the messenger a truth teller or not one? How can the visitor be surely?

There once lived a young man who was always unhappy and complained about his poverty. One day, he went to see a fortune teller to inquire how to become_____1____. The fortune teller said, "Young man, you are already wealthy now."
"Where is my wealth?" the young man asked _______2____.
"It is with you. Your _______3___ is (are) your wealth. You use them to see this world. You use them to see all the ______4______things in this world. You can read, study and learn. Your hands are your wealth. You can use them to work. You can use them to hug your beloved ones. Your ____5_____are your wealth. You can go to any places..." the fortune teller said.
"You call these wealth? Everyone has them," the young man said.
"These are wealth. What you have now are not what others can luckily have. Are you ______6___ to give your eyes to me? I am willing to give you a lot of money to _____7_____ for them," the fortune teller said.
"No, are you crazy? I am not going to exchange my eyes for money! They are _____8____ to me!" the young man ____9_______.
"Precisely, these are wealth to you. You will not exchange them for money. Furthermore, although a lot of people have their wealthy things, they do not ____10_____ them or treasure them. They are not_____11____ to Heaven for giving them their wealth. They even complain that Heaven is unfair to them. Do you want to _____12_____one of them before you will treasure them?" the fortune teller said.
Everyone is wealthy. But we should not ____13______it for granted. We need to treasure our wealth, take care of it and use it _____14_____. We should not overuse it because once it is ____15____, it is gone forever. Remember it is our wealth that we do not want to lose.

短文改错（共10小题；每小题1分，满分10分）

下面短文中有10处语言错误。请在有错误的地方增加、删除或修改某个单词。

增加：在缺词处加一个漏字符号（∧），并在下面加上该加的词。

删除：把多余的词用斜线（\）划掉。

修改：在错的词下划一横线，并在该词下面写上修改后的词。

注意：1. 每处错误及其修改均仅限一词；

2. 只允许修改10处，多者（从第11处起）不计分。

A visitor visits an island where two tribes live. One tribe always tells the truth and an other always lies. The truth tellers live on the western side of the island, and those which lie live on the eastern side. The visitor wants determine whether the native beside he is a truth teller or not by ask only one question. He asks the native, “Go or ask the native in the distance which side of the island he lives to.” When the messenger returned, he says, "He said he lives on the western side of the island."

Is the messenger a truth teller or not one? How can the visitor be surely?