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.

    If it really is what's on the inside that counts, then a lot of thin people might be in trouble.

    Some doctors now think that the internal(内部的) fat surrounding important organs like the heart or liver could be as dangerous as the external fat which can be noticed more easily.

    “Being thin doesn't surely mean you are not fat,” said Dr Jimmy Bell at Imperial College. Since 1994, Bell and his team have scanned nearly 800 people with MRI machines to create “fat maps” showing where people store fat.

    According to the result, people who keep their weight through diet rather than exercise are likely to have major deposits of internal fat, even if they are slim.

    Even people with normal Body Mass Index scores can have surprising levels of fat deposits inside. Of the women, as many as 45 percent of those with normal BMI scores (20 to 25) actually had too high levels of internal fat. Among men, the percentage was nearly 60 percent.

    According to Bell, people who are fat on the inside are actually on the edge of being fat. They eat too many fatty and sugary foods, but they are not eating enough to be fat. Scientists believe we naturally store fat around the belly first, but at some point, the body may start storing it elsewhere.

    Doctors are unsure about the exact dangers of internal fat, but some think it has something to do with heart disease and diabetes(糖尿病). They want to prove that internal fat damages the body's communication systems.

    The good news is that internal fat can be easily burned off through exercise or even by improving your diet. “If you want to be healthy, there is no shortcut. Exercise has to be an important part of your lifestyle.” Bell said.

    I was very disappointed not to be able to go to the concert last Friday. The advertisement in the paper said you could buy tickets at the theatre box any day between 10:00 and 4:00. Since I work from 9:00 to 5:30, the only time I could go to the theatre was during my 45-minute lunch break. Unfortunately, the theatre is on the other side of the town, and the bus service between my office and the theatre is not good. But if you are lucky, you can make the round trip in 45 minutes. Last Monday, I stood at the bus stop for 15 minutes. By the time I saw one come, there was not enough time left to make the trip. So I gave up and went back to the office. The same thing happened on Tuesday, and again next day. On Thursday, my luck changed. I got on a bus right away and arrived at the theatre in 20 minutes. When I got there, however, I found a long line at the box office, and I heard one man say he had been waiting for over an hour. Realizing I would not have enough time to wait in line, I caught the next bus and headed back. By Friday I realized my only hope was to make the trip by taxi. It was expensive, but it would be worth it to hear the concert. The trip by taxi only took 10 minutes, but felt like an hour to me. When I got to the theatre, I was relieved to see that nobody was waiting in line. The reason, however, I quickly discovered, was that they had already sold all the tickets.

    Soda is refreshing and delicious, but it is not part of a healthy, balanced diet. Most sodas are packed with sugar. In fact, a can of soda can be hiding up to 10 teaspoons of sugar! The sugar does make soft drinks delicious, but definitely not nutritious. Too much sugar in a person's diet can lead to diabetes (糖尿病), heart disease, and tooth problems. One of the biggest sugary soda problems is that drinking much can lead to weight gain and even obesity.

    There are diet options available for almost every kind of pop (汽水), which means that you don't have to drink all that sugar in order to enjoy a can of soda. Many studies have been done on whether or not aspartame (甜味剂), the sugar substitute in diet soda, is bad for you. Up to now, there are still conflicting opinions on this issue. The European Food Safety Authority recently concluded that aspartame is safe for most people, even in fairly large amounts. Aspartame still might not be good for you, though. Studies have shown that people who drink diet sodas may actually gain more weight than those who drink regular soda, perhaps because, strangely enough, drinks loaded with fake sugar may actually make you want to eat more.

    Maybe you've decided it's time to cut down on your soda drinking, but what should you drink instead? Water is absolutely the healthiest thing that you can drink. Your body needs water to stay hydrated (水合物) and function properly, and water contains no calories or fat. Drinking fruit juice occasionally is not a bad thing, but you should be careful what juice and how much juice you're drinking. Fruit juices can contain almost as much sugar as pop!

    As with most things to do with your health, moderation is really at the base of any healthy diet. You can totally drink soda, even the sugary kind just, make sure you're not drinking too much!

    Navarathri, which is celebrated throughout India, falls in September or October. On the first three days, people pray (祈祷) to the goddess Durga, the protector who destroys all evil. The next three days they pray to Lakshmi, the goddess of wealth. Then, also for three days, they look to Saraswathi, the goddess of wisdom and knowledge. The tenth and final day of the festival is for the goddess Durga. On this day many years ago, Durga killed the evil buffalo-headed monster, Mahishasura.

    My daughter and I took out the models of the gods and goddesses that we had stored away last year. Soon the room was littered with all kinds of dolls. We usually buy at least one new doll every year. On the tenth day, the dolls are carefully put away. If a doll is too damaged to be shown, it is never thrown away. Instead, it is put deep into the seas.

    In our hallway six long wooden steps are set up. First, we spread a thick white cloth over the steps. Now it's time to put the dolls on the steps carefully. Every year, the gollu is different. Sometimes — as the collection grows — there is no space to fit all of the dolls on the steps. Smaller dolls can also be placed on the floor.

    Every night there are prayers, music, dancing, and a large meal for many people. In northern India, the children sing songs while doing the dandiya raas, a traditional dance. Every dancer also has two wooden sticks — called dandiya — that he or she uses to make a sound in time to the lovely music. Dancing the dandiya raas helps people think of the true meaning of Navarathri — togetherness, laughter, and fun!

    Rivers are earthly arteries(要道) for the nutrients, deposits and freshwater that sustain healthy, diverse ecosystems. Their influence extends in multiple dimensions—not only along their length but below­ground to aquifers(蓄水层) and periodically into nearby floodplains.

    They also provide vital services for people by fertilizing agricultural land and feeding key fisheries and by acting as transportation corridors. But in efforts to ease ship passage, protect communities from flooding, and draw off water for drinking and irrigation, humans have increasingly constrained and broken these crucial water ways. “We try to control rivers as much as possible,” says Gunther Grill, a hydrologist at McGill University.

    In new research published in May in Nature, Grill and his colleagues analyzed the barriers to 12 million total kilometers of rivers around the world. The team developed an index(指数) that evaluates six aspects of connectivity—from physical fragmentation (by dams, for example) to flow regulation (by dams or levees) to water consumption—along a river's various dimension. Rivers whose indexes meet a certain threshold(临界值) for being largely able to follow their natural patterns were considered free­flowing.

    The researchers found that among rivers longer than 1,000 kilometers (which tend to be some of those most important to human activities), only 37 percent are not blocked along their entire lengths. Most of them are in areas with a minimal human presence, including the Amazon and Congo basins and the Arctic. On the contrary, most rivers shorter than 100 kilometers appeared to flow freely—but the data on them are less comprehensive, and some barriers might have been missed. Only 23 percent of the subset of the longest rivers that connect to the ocean are uninterrupted. For the rest, human infrastructure is starving estuaries(河口) and deltas (such as the Mississippi Delta) of key nutrients. The world's estimated 2.8 million dams are the main cause, controlling water flow and trapping deposits.

    The new research could be used to better understand how proposed dams, levees and other such projects might impact river connectivity, as well as where to remove these fixtures to best restore natural flow. It could also help inform our approach to rivers as the climate changes, says Anne Jefferson, a hydrologist at Kent State University, who was not involved in the work. Existing infrastructure, she says, “has essentially been built to a past climate that we are not in anymore and are increasingly moving away from.”