Because of the financial crisis in the US and UK, college students are beginning to struggle to find ways to pay their tuition fees and accommodations.

    Recently, two major US student loan (贷款) lenders, Citibank and JPMorgan Chase, announced they were leaving the student loan industry altogether. Because banks currently have a lack of credit, they are reluctant to offer students low-interest loans that need a several-year wait for any return of interest.

    In the US, many undergraduates fill up their financial needs with a private loan, although the majority can get government-funded loans. In the 2015-2016 academic year, $ 17 billion in private student loans was used to finance higher education. The lack of private funding has yet to be covered and will hit many US students hard.

    Across the Atlantic, UK students have been less troubled by the crisis. Most undergraduates in the UK cover their university expenses with government-funded loans and grants. Their biggest concern is a sudden increase in student rent.

    Most young professionals now rent houses, since 80 percent of UK mortgage schemes (按揭计划) have disappeared—a direct result of the credit crisis. This has boosted the house rent market.

    In large cities, UK students are paying almost 6.5 percent more in rent than the previous year. Figures from the UK organization Accommodation for Student show students in big cities such as London paying an average weekly rent of $ 203.

    Yet, despite students' suffering, the number of this year's university applications is expected to grow. During economic slumps, people regard further education as a way to survive tough job market.

    When the natural climate changes due to global warming, it can surely affect seals. The majority of them live in the Antarctic region so as the ice is melting, their natural habitat（栖息地）can be seriously affected. These changes don't take place overnight. They can be the result of many years of additional temperatures in the area. The seals then have to find ways to adapt.

    Seals depend on the cool air currents to bring plenty of food for them. When the temperatures get higher, there is less and less food and the seal population starts to get depleted. Mothers aren't healthy enough to feed their babies. Many of them end up abandoned as the mothers have to leave to find their own source of food.

    The fact that their desire to produce young can be changed by the warmer temperatures is frightening too. It is also believed that the warmer temperatures can allow different diseases and viruses to attack the seals. This is a huge concern as they can rapidly wipe out huge numbers of seals out there.

    However, these changes in climate and temperature aren't all bad for other species of seals. Scientists have found that those living in warmer climates are producing more young due to the changes. Research also shows that the females are moving further to find food and water. When they are out of the reach of the governing males, they are more willing to accept the moves of other males in the group.

    This is good news too because it means that there will be more selection in the gene pool（基因库）for future generations. It can help the seals as a species adapt to changes in their natural environment more easily.

    The climate change problem for seals is directly linked to humans. When we take action to change what we let out into the environment, we will make positive changes for the seals. However, it is going to take a very long time to reverse（彻底改变）the effects of what has already been done.

Great holidays in Europe!

    Do you like the beach but want a bit more?

    Then come on an Active Beach holiday at one of our centers in Greece, Turkey or Croatia. All the centers are near beautiful beaches and all offer sailing, windsurfing or waterskiing with our excellent instructors. For a change from the water, you can also book a short trip to a nearby village and visit the colorful markets or eat in a local restaurant. At the end of the day, relax in your hotel room or dance the night away at one of our open-air clubs.

    Who was King Arthur? Where did he live?

    Join us on a five-day UK Road Trip holiday. Imagine life hundreds of years ago as we visit ancient Stonehenge, Roman Bath and Tintagel Castle, the home of King Arthur. Learn the history of these interesting places from your guide as you travel in one of our famous blue coaches. In the evenings we stop at some of the best youth hostels in the country. They have everything you need you don t even need to pack a sleeping bag!

    Are you bored with the usual holidays? Do you want to do something you really enjoy?

    Then Fame Camp is for you! Spend a week at Hightree House in Yorkshire and learn how to play the piano, violin and guitar! Bring your tent and stay at a campsite near the house. At the end of the week try your new skills in a live performance.

    How many countries can you see in 21days?

    On our Explore Europe holiday, you can see ten! Learn about them from our best guides as you watch them go past from the window of an air-conditioned coach and stay at some of Europe's top campsites on the way. Of course, we'll also have time to do the important things such as visiting the Eiffel Tower in Paris, the historic Sistine Chapel in Vatican and eating apple ѕtrudеl іn Vіеnnа.

    For more information about any of these holidays, call 0845 333 4523 or visit www.comewithusuk.com.

How can I exhibit in the Atrium Gallery

    The Atrium Gallery provides a space for exhibiting a range of creative work, especially the work of our students and staff.

    We aim to promote a programme of high quality art exhibitions which reflect creative activity and research interests.

    Proposals to exhibit

    We select exhibitions by proposal submission. Selected exhibitions showcase innovative, ambitious new work that contributes to the School's learning and research activities, and is a source of pleasure and inspiration to students, staff, visitors and the wider LSE community.

    You must be a student or member of staff at LSE at the time of the proposed exhibition. LSE Arts has no dedicated source of funding, therefore we will ordinarily expect proposals to come with a minimum level of funding, to cover core exhibition costs.

    Proposals will be judged termly for exhibition the following academic term. There is a high demand for our gallery space  so please list your first choice of dates and any alternate dates that would also work.

    Proposal Submission Timescales

    The deadline for exhibition proposals for Summer term 2019 is Friday 18 January 2019. The committee will review applications and successful applicants will be notified (通知) by the week informed on Monday 11 February 2019. Exhibitions will be on display from 29 April to 14 June 2019 inclusive.

    Not all applications will be successful. Successful proposals will generally be exhibited the term after receiving the proposal.

    Complete our exhibition proposal form by downloading the exhibition proposal form and sending to arts@ lse. ac.uk with accompanying images.

If you have any queries, please do not hesitate to contact us at arts@ lse.ac.uk.

    You may think there are no differences between British and American people. After all, they speak the same language, don't they? If you ask a British or an American person, he will probably tell you that there are differences. And the differences are quite great.

    What do British people think American people are like? The British think American people are very strange. They make a lot of noise and they laugh too loudly. They are rich, and they only think about money. But the British do say that American people are kind, and friendly people. They're happy to help you if you are in trouble.

    What do Americans think of the British? Well, they think the British are cold and very unfriendly. They are not interested in success or in making lots of money. They think British is the best country in the world. They look down on other countries. But Americans say that the British are quite hard workers. They are brave and honest. And in time of trouble they face difficulties happily.

    You can see that these ideas can cause misunderstanding between the British and Americans. But when American and British people become friends, they usually find things are not as bad as they expected.

Things to Do in Atlanta

    Need a run-down of the top things to do next month? Here is what's going on in Atlanta.

    In the Mood

    Date: November 22 through November 26，2018

    Time: 2:00pm～5:30pm

    Phone: 770-916-2800

    If you love the music of the 1940s，then here's what you need to do this Sunday. Go to a 1940s musical show at Cobb Energy Performing Arts Centre. The music of Glenn Miller has a distinctive sound. No need to ask me twice. Are you "In the Mood"?

    Party With the Penguins

    Date: November 20 through November 25, 2018

    Time:11:00 am～2:00 pm

    Phone: 404-581-4000

    Celebrate Penguin Awareness Day at Georgia Aquarium's annual Party With the Penguins. The party will feature fun activities, including the chance to see an African penguin up close and learn how to help protect this endangered species.

    Callanwolde Arts Festival

    Date: November 21 through November 22, 2018

    Time:10:30 am～5:30 pm

    Phone: 404-872-5338

    Located at Callanwolde Fine Arts Center, this event is a festival for artists, and by artists, letting them have a voice in the creation and operations of the festival. If you are of the artistic persuasion or enjoy a creative scene, don't miss out.

    Foolio's Hoodilly Storytime

    Date: November 21 through November 27, 2018

    Time:1:00 pm～4:30 pm

    Phone: 404-523-3141

    We make up a brand-new story every week. Come and enjoy a new story each time at Dad's Garage Theatre. Little ones will get to help provide key parts of the story and even add in their own jokes. Interactive and out-of-the-ordinary fun for kids and parents!