Banks view online banking as a powerful “value-added” tool to attractand 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 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 common place as automated teller machines (ATM).

    Online banking has a lot of advantages. Unlike your corner bank, online banking sitesnever close; they're at hand 24 hours a day, seven days a week and they're amouse 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.

    Science Museum, London

    Runs: Until 5 May

    Price: £7

    Exhibition about the Large Hadron Collider which uses theatre and video, as well as handmade works to recreate the experience of the real place and show the work behind the discovery of the Higgs 、 boson. Well worth it for anyone studying physics or simply interested.

    Weston Park Museum, Sheffield

    Runs: Until 5 May Price: Free for students

    Underneath the 1960s-built Castle Market in Sheffield, there are the remains of a historical castle. Now that the market is being moved, there has been a sudden growth in interest in the old castle.

    Seacity Museum, Southampton

    Runs: Continued

    Price: Entrance to the museum is £4.50 for students

    Explores the Titanic disaster and its effect on Southampton, where more than five-hundred families lost a family member to the disaster. The exhibition recreates the sights and sounds of 1912 Southampton and ends ill the Disaster Room, where a series of events from the moment of the Titanic hit the iceberg are explored using powerful oral description from survivors.

    The Guildhall, Leicester

    Runs: Until 1 June

    Price: Free

    This exhibition tells the history of King Richard III and of the search for his lost remains, eventually found underneath a car park two years ago. The exhibition can give visitors a rounded view of the life of the king and how he was discovered. Great for history students.

    The summer before my dad died, we moved house. Up until that point, our family had our own space to spread out. Money was tight, so there was no television set, but we owned a turntable on which my dad's records played constantly. Mostly, it played Bob Dylan. Tracks from The Basement Tapes and Desire became an important part of our new life. My brother and I, aged 8 and 10, climbed trees, built hideaways and learned the words of Clothes Line Saga. We would chant over the, lost in our own joy.

    It was January when my dad left us forever because of the cancer. He was 36 going on 37 then, the same age as Dylan. Afterwards, our laughter disappeared, but we kept on playing the records, which became our only ritual of remembrance. The two men became so intertwined in my head, I struggled to tell them apart.

    Dylan was my dad's gift to me. What child wouldn't be fascinated by songs full of pirates and seasick sailors? How did it feel to have No direction home? Farewell, Angelina became my party-piece. I would sing this at church cheese and wines to the assembled audience. A lot of donations were made.

    Growing up, I remained a fan of the music, but I wasn't obsessed with Dylan until one day in early 1995, my brother bought us both tickets to see him play at Brixton Academy. London felt like a long way to go. But finally seeing Dylan step out onto the stage brought a sudden rush of excitement.

    I have seen Dylan a couple of times since. My brother is not around so much these days. But he was up for a visit recently. We passed a happy evening laughing and drinking, while his son, aged nine, performed his party—piece Subterranean Homesick Blues for us. He sang it word-perfect. And so it goes on: Dylan's music as a gift, passed down the generations.

The Truth About the Environment

    For many environmentalists, the world seems to be getting worse. They have developed a hit-list of our main fears: that natural resources are running out, that the population is ever growing, leaving less and less to eat, that species are becoming disappeared in huge numbers, and that the planet's air and water are becoming ever more polluted.

    But a quick look at the facts shows a different picture. First, energy and other natural resources have become more abundant, not less so. Second, more food is now produced per head of the world's population than at any time in history. Fewer people are starving. Third, although species are indeed becoming disappeared, only about 0.7% of them are dying out in the next 50 years, not 25-50%, as has so often been predicted. And finally, most forms of environmental pollution either appear to have been best cured not by limiting economic growth, but by accelerating it.

    Yet public opinion surveys suggest that many people hold the belief that environmental standards are declining and four factors seem to cause this gap between what they know and what the reality is.

    One is the unbalanced budget for scientific research. Scientific funding goes mainly to areas with many problems. That may be wise policy, but it will also create an impression that many more potential problems exist than is the case.

    Secondly, environmental groups need to be noticed by the mass media. They also need to keep the money rolling in. Understandably, perhaps, they sometimes overstate their arguments. In 1997, for example, the World Wide Fund for Nature issued a press release entitled: „Two thirds of the world's forests lost forever'. The truth turns out to be nearer 20%.

    A third source of confusion is the attitude of the media. People are extremely more curious about bad news than good. Newspapers and broadcasters are there to provide what the public wants: That, however, can lead to significant misunderstanding. An example was that America came across EI Nino(厄尔尼诺) in 1997 and 1998. This climatic phenomenon was accused of breaking tourism, causing allergies, melting the ski-slopes, and causing 22 deaths. However, according to an article in the Bulletin of the American Meteorological Society, the damage was estimated at $4 billion but the benefits amounted to some $19 billion.

    The fourth factor is poor individual knowledge. People worry that the endless rise in the amount of things everyone throws away will cause the world to run out of places to dispose of waste. Yet, even if America's trash output continues to rise as it has done in the past, and even if the American population doubles by 2100, all the rubbish America produces through the entire 21st century will still take up only one 12,000th of the area of the entire United States.

    It is extremely important that we look at the facts if we want to make the best possible decisions for the future. It may be costly to be overly optimistic, but more costly still to be too pessimistic.

    In 1888 an Egyptian farmer digging in the sand near the village of Istabl Antar uncovered a mass grave. The bodies weren't human. They were feline — ancient cats that had been mummified(木乃伊化的) and buried in holes in astonishing numbers. "Not one or two here and there", reported English Illustrated Magazine, "but dozens, hundreds, hundreds of thousands, a layer of them, a layer thicker than most coal joints, ten to twenty cats deep. " Some of the linen-wrapped cats still looked presentable, and a few even had golden faces. Village children peddled the best ones to tourists for change; the rest were sold as fertilizer. One ship transported about 180,000, weighing some 38, 000 pounds, to Liverpool to be spread on the fields of England.

    Those were the days of generously funded explorations—that dragged through acres of desert in their quest for royal tombs, and for splendid gold and painted masks to decorate the estates and museums of Europe and America. The many thousands of mummified animals that turned up at religious sites throughout Egypt were just things to be cleared away to get at the good stuff. Few people studied them, and their importance was generally unrecognized.

    In the century since then, archaeology has become less of a treasure hunt and more of a science. Archaeologists now realize that much of their sites' wealth lies in the majority of details about ordinary folks—what they did, what they thought, how they prayed. And animal mummies are a big part of that.

    "They're really displays of daily life," says Egyptologist Salima Ikram. After peering beneath bandages with x-rays and cataloguing her findings, she created a gallery for the collection — a bridge between people today and those of long ago. "You look at these mummified animals, and suddenly you say, Oh, King So-and-So had a pet. I have a pet. And instead of being at a distance of 5,000-plus years, the ancient Egyptians become clearer and closer to us."

    You can relax if remembering everything isn't your strong suit. Recent research makes the case that being forgetful can be a strength—in fact, selective memory can even be a sign of stronger intelligence.

    Traditional research on memory has focused on the advantages of remembering everything. But looking through years of recent memory data, researchers found that the neurobiology of forgetting can be just as important to our decision-making as what our minds choose to remember.

    Making intelligent decisions doesn't mean you need to have all the information at hand. It just means you need to hold onto the most valuable information. And that means clearing up space in your memory palace for the most up-to-date information on clients and situations. Our brains do this by creating new neurons(神经元）in our  hippocampus, which have the power to overwrite(重写)existing memories that are influencing our decision-making.

    If you want to increase the number of new neurons in our brain's learning region, try exercising. Some aerobic exercise like jogging, power walking and swimming has been found to increase the number of neurons making important connections in our brains.

    When we forget the names of certain clients or details about old jobs，the brain is making a choice that these details don't matter. Although too much forgetfulness can be a cause for concern, the occasional lost detail can be a sign of a perfectly healthy memory system. The researchers found that our brains facilitate decision-making by stopping us from focusing too much on unimportant past details. Instead，the brain helps us remember the most important part of a conversation.

    We can get blamed for being absent-minded when we forget past events in perfect detail. These findings show us that total recall(记忆)can be overvalued. Our brains are working smarter when they aim to remember the right stories, not every story.