1．We can infer from the text that most millionaires are 　　　　　.

　　　 A．older than 20　　 B．around 20　　　　　 C．in their 30s　　　　 D．in their 40s

20．We can imagine in the near future, 　　　　　　　.

　　　 A．online banking will be part of people’s life　

B．one can not live without online banking

　　　 C．PC banking will completely takes the place of home banking

　　　 D．people can only do their business through online banking

19．Online banking is a system 　　　　　　.

　　　 A．that if you need money, it will help you to get it

　　　 B．that helps banks to offer better services

　　　 C．that will help consumers to save their money if necessary

　　　 D．that you can find in your personal computers

18．The writer wrote this short passage in order to tell people 　　　　.

　　　 A．banks just try to use online banking instead of ATM in the future

　　　 B．how convenient online banking is

　　　 C．how to use online banking to take care of consumers’ money

　　　 D．online banking is much better than the corner banks

17．According to the passage nowadays online banks are so popular, but 　　　　　.

　　　 A．all the consumers still prefer to pay their bill by mail

　　　 B．it can not take the place of automated tellers machines

　　　 C．many people still worried about its safety

　　　 D．not every consumer knows how to use it

16．Success in removing bats from your home depends on 　　　　.

　　　 A．seeking help from the Institute of Terrestrial Ecology

　　　 B．the granting of a Nature Conservancy Council license

　　　 C．taking the course of action recommended by Dr Stebbings

　　　 D．applying for a license from the Nature Conservancy Council

E

Like most people, you may have heard a lot about online banking but probably haven’t tried it yourself. You still pay your bills by mail much in the way your parents did, for you are probably afraid of not knowing how to deal with it. Actually, online banking isn’t out to change your money habits. Instead, it uses today’s computer technology to give you the choice of by-passing the time-consuming, paper-based ways of traditional banking in order to manage your money more quickly and efficiently.

The advantage of the Internet and the popularity of personal computers presented both an opportunity and a challenge for the banking industry. For years, financial(金融) institutions have used powerful computer networks to automate millions of daily transactions. Now that their customers are connected to the Internet from personal computers, banks begin to expect similar economic advantages by adapting(采用) those same internal electronic processes to home use.

Today, most large national banks, many regional banks and even smaller 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. 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 secure, fully functional online banking for free or for a small fee. As more banks succeed online and more customers use their sites, fully functional online banking likely will become as common as automated teller machines.

Online banking has a lot of advantages. Unlike your corner bank, online banking sites never close; they’re available 24 hours a day, seven days a day, and they’re only a mouse click away. If you’re out of state or even out of the country when a money problem rises, you can log on instantly to your online bank and take care of business. Online bank sites generally execute and confirm transactions at or quicker than ATM processing speeds. Many online banking sites now offer advanced tools, including account aggregation, stock quotes, and portfolio managing programs to help you manage all of your assets(财产) more effectively.

15．Because he is a wine-lover, M. Waugh 　　　　.

　　　 A．only wants to own the best wines　　　 B．stores only good wines

　　　 C．keeps certain good wines　　　　　　　　 D．refuses to drink good wines

14．Mr. Waugh thinks that bats 　　　　.

　　　 A．should be kept under control　　　　　　 B．should all be destroyed

　　　 C．interfere with his wine　　　　　　　　　　　　 D．prevent him owning wine

13．Some people who dislike bats 　　　　.

　　　 A．do not mind them hanging in trees　　

B．run the risk of finding them in their attics

　　　 C．think it strange they should roost(栖息) in the curtains

　　　 D．think they are unlikely to be bothered by them

12．This passage is mainly about　　　 　.

　　　 A．how to work out the Metric system　　 　　　　　

B．what is the Metric system

　　　 C．how to change other units into the Metric system　　

D．the development of the Metric system

D

A new law has recently been announced which forbids people to disturb, annoy, harm, kill or interfere with any bats which choose to live in their houses. Anyone who disturbs a bat on its nest(鸟巢),or handles one without a license will be fined ￡1,000.

There are some people who like bats. The late Mrs. Ian Fleming was one. She would crawl for miles to see them in caves or hanging from trees. Similarly, there are many people who do not like bats much but are not particularly troubled by them. The chance of a bat resting in their attics(阁楼) or spare bedroom curtains may seem for away from them. But there are others who do not fail into either of these categories and Mr. Auberon Waugh is one. Underneath his house are eight large celars which for some reason bats have chosen to claim for themselves. He finds it extremely disagreeable to have to fight his way through a colony of them every time he wants a bottle of wine. And as a wine-lover he gets a particular pleasure from the ownership of wine, which has nothing to do with drinking it. He has certain bottles in his cellar which he thinks are too good to serve to anyone he knows, but he likes to go down and enjoy looking at them occasionally. The bats entirely destroy this pleasure.

Until the recent law, he could keep the bat problem within manageable proportions by sending his children down on a bat hunt every three months armed with tennis rackets. They usually managed to kill one or two and discouraged the rest from settling. But now, Mr. Waugh fears that the bats will take over the house. To solve the problem he inquired what course of action he could take and was told by Dr Robert Stebbings of the Institute of Terrestrial Ecology, “I am sure that no one will mind if you pick up a bat and take it outside and hang it on a tree or the outside of the house.” The trouble with this, as Mr. Waugh explains, is that he would be fined a ￡1,000 if he had not already applied to the Nature Conservancy Council for a license to handle bats. And there is no certainty that he would automatically be granted one.