The Winners Club is a bank accountspecially designed for teenagers. It has been made to help you better manageyour money. The Winners Club is a transaction account (交易账户)whereyou receive a key­card so you can get to your money 24/7—that's 24 hours a day, 7 days a week!

It's a club with impressive features forteenagers：

● No account keeping fees!

You're no millionaire so we don't expectyou to pay large fees. In fact, there are no account keeping or transactionfees!

● Excellent interest rates!

You want your money to grow. The WinnersClub has a good rate of interest which gets even better if you make at leasttwo deposits (存款)without taking them out in a month.

● Convenient

Teenagers are busy — we get that. Youmay never need to come to a bank at all. With the Winners Club you can chooseto use handy tellers and to bank from home using the phone and theInternet...You can have money directly deposited into your Winners Clubaccount. This could be your pocket money or your pay from your part-time job!

● Mega magazine included

    Along with your regular report, you willreceive a FREE magazine full of good ideas to make even more of your money.There are also fantastic offers and competitions only for Winners Club members.

    The Winners Club is a great choice forteenagers. And it is so easy to join. Simply fill in an application form. Youwill have to get permission from your parent or guardian (so we can organizethat cool key­card) but it is easy. We can't wait to hear from you. It's thebest way to choose to be a winner!

阅读理解

BUILD FOR

THE FUTURE

BY BRINGING

YOUR PENSIONS

TOGETHER NOW.

LET'S TALK HOW.

EARN ￡100

TO ￡1,000

CASHBACK.

    Pensions with a number of different providers? You could plan ahead more effectively if you bring them together in a Fidelity Self-Invested Personal Pension (SIPP).

    ●Transfer your pensions, ISAs and other investments to us and manage them all in one secure online account.

    ●Earn ￡100 to ￡1,000 cashback if you apply by 9 June 2017 (exclusions and T&Cs apply).

    ●We will not charge you to transfer to us.

    ●If your current providers charge exit fees, we will reimburse you up to ￡500 (T&Cs apply).

    The value of investments can go down as well as up, so you may not get back the amount you originally invest. You cannot normally access money in a SIPP until age 55. Pension transfers can be complex and some types of pension, in particular those with guaranteed benefits, are not eligible for this offer. Please read our pension transfer factsheel, and the cashback offer and exit fees terms and conditions, at fidelity.co.uk.cashback

    Apply online at fidelity.co.uk/cashback Or call us for more information on 0800 358 0752

根据短文内容，选择最佳答案，并将选定答案的字母标号填在题前括号内。

    Astronauts in the space stations for long missions often work very long days. Tasks are scheduled(安排) so tightly that break times are often used to finish the day's work. It's especially hard for long missions on the International Space Station (ISS). ISS crew members usually live in space for at least a quarter of a year. They work five days on and two days off to mimic the normal way they do things on Earth as much as possible. Weekends give the crew valuable time to rest and do a few hours of housework. They can communicate with family and friends by email, Internet phone and through private video meetings.

    While astronauts cannot go to a baseball game or a movie in space, there are many familiar activities that they can still enjoy. Before a mission, the family and friends of each ISS crew member put together a collection of family photos, messages, videos and reading materials for the astronauts to look at when they will be floating 370 kilometers above the Earth. During their mission, the crew also receives care packages with CDs, books, magazines, photos and letters. Today, the Internet can be used on the ISS, giving astronauts the chance to do some “web surfing” in their personal time. Besides relaxing with these more common entertainments, astronauts can simply enjoy the experience of living in space.

    Many astronauts say that one of the most relaxing things to do in space is to look out of the window and stare at the universe and the Earth's vast land mass and oceans.

Owls and Larks

    Larks are most likely to be healthy, wealthy and wise, according to the old saying.

But those who are early to bed and early to rise do not always have the upper hand, researchers say. They have found that night owls are generally brighter and wealthier than those able to get up early in the morning.

    Experts from the University of Madrid carried out tests on around 1,000 teenagers and found that those who preferred to stay up late proved the kind of intelligence associated with honored jobs and higher incomes. “Larks” or “morning people”, however, often acquired better exam results, possibly because lessons are held at the wrong time of day for night owls. The researchers examined the habits and body clocks of the youngsters to determine whether they liked to stay up late and sleep later in the morning, or preferred to go to bed early and were at their peak in the morning. School performance and inductive(归纳的)intelligence, or problem solving, were measured and academic grades in the major subjects were also taken into account. The results showed that evening types scored higher than morning types on inductive reasoning, which has been shown to be a good estimate of general intelligence and a strong indicator of academic performance. They also had a greater capacity to think conceptually as well as analytically. Such abilities have been linked to innovative(创新的) thinking, more admired occupations and better incomes.

    Famous night owls include President Trump, Obama, Charles Darwin, Winston Churchill, Keith Richards and Elvis Presley. George W. Bush, who is regularly in bed by 10 p.m., Thomas Edison, Napoleon, Condoleezza Rice, who wakes at 4:30 a.m., and Ernest Hemingway are among those known as larks. Jim Horne, professor of psychophysiology at Loughborough University, said, “Evening types tend to be the more active and creative types, the poets, artists and inventors, while the morning types are the deducers(推断者), as are often seen with civil servants and accountants.” A previous study of US Air Force recruits found that evening types were much better at thinking to solve problems than larks.

    Visa Medical Appointment

    For your appointment you must bring

    Your valid original passport. Driving license is not accepted.

    HAP ID(体检号)and your e-Medical Referral Letter.

    Prescription glasses or contact lenses.

    Any specialist's report／s about your medical condition.

    At visa medical assessment

    A phone interpreter will be made available upon request.

    You will be required to change into a medical shirt provided for your visa medical assessment. We recommend that female applicants NOT wear a dress or clothing which is difficult to remove to the appointment.

    If you are having an x-ray，you will be asked to remove all necklaces and neck chains and tie long hair back. We request valuables not be brought to the assessment. Change rooms and lockers will be available to store your belongings，including your mobile phone which must be kept in a locker during your assessment.

    Important information for your appointment

    Blood Test

    You are required to have a blood test，please eat and drink as normal before your appointment. There is no need to fast.

    Arriving for your appointment

    Please arrive on time for your appointment and allow approximately 2 hours for your assessment to be completed.

    Pregnancy

    If you are pregnant，please call our contact centre on 1 300 794 9 1 9 as it may affect you being able to proceed with the assessment.

    Menstruation(生理期)

    If you have booked your appointment when menstruating，please go online to reschedule your appointment so it falls 4—6 days after you have finished menstruating.

    For more information

    Please visit our website www.bupamvs.com.au

    Bupa Medical Visa Services Customer Service

    If you feel at present that you don't have enough friends in your life, one reason may be that you have let yourself become too busy to make time for the relationships you already have. Starting and keeping friendship requires effort and commitment.

    Many of us let our lives become so busy with work and other responsibilities that we don't get around to scheduling time for pleasure and renewal(叙旧)with the friends, relatives and acquaintances we already have.

    Making the effort to call your friends more regularly and to accept more of their invitations you receive from others can improve your social life in a hurry!

    Are there any people you could call right now and be sure to receive a pleasant welcome? Are there people that you could count onto help you in time of difficulty? Can you have close talks with them? Do you have fun when you are together? Are you happy to have them in your life?

    If you haven't seen much of them lately, is it because you have become too busy? Have you grown apart? Was there an argument?

    If the main reason you haven't been getting together with the people you already know is that you have got too busy, take a good look at how you spend your time. Compare it with your real values and priorities(优先考虑的事)in life. Is your busy lifestyle really bringing you the quality of life that you want?

    If you have become too busy for friends, why has this happened? Are you seeking material toys in your life at the expense of relationships with other human beings? Have you allowed your time to be over spent because you never say “No” to anyone? Do you insist on doing things yourself that could be appointed to others? If so, why? Do you believe that everything depends on you?

    Examine whether the way you are now spending your time accurately reflects your deepest values and priorities. Make sure that you schedule adequate time for the things that are truly most important to you.

    If you really want to keep friends in your life, make a space in your schedule, and a space in your heart for them.