阅读下面材料，在空白处填入适当的内容(1个单词)或括号内单词的正确形式。

    I enjoy {#blank#}1{#/blank#} (climb) mountains whenever I can find the time to do so．Tom and Mike are my best friends，both of {#blank#}2{#/blank#} also like sports．Two years ago，the three of us {#blank#}3{#/blank#} (go) up to Mt．Lushan. Instead of taking a bus，which is {#blank#}4{#/blank#} (comfortable)，we preferred to climb．We started from the foot of the mountain early in the morning，{#blank#}5{#/blank#} (chat) all the way．After about one and a half {#blank#}6{#/blank#} (hour) climbing，we saw two mountain paths before us．We could not decide {#blank#}7{#/blank#} to choose．In the end，we took the right path，thinking that might be a short cut．But we were wrong．We could not find our way out， {#blank#}8{#/blank#} (lose) in the mountain．We had to use our hands and feet to make a way．We began to cry for help {#blank#}9{#/blank#} nobody answered．It was not until darkness {#blank#}10{#/blank#} (fall) that we found a right path leading up to a paved road．

    How do learning habits influence learning results?It's useful and necessary to discuss learning habits.There is a famous saying "Good habits lead to good endings",{#blank#}1{#/blank#} shows the importance of habits.

    "An apple a day keeps the doctor away." also{#blank#}2{#/blank#} (show) a healthy habit everyday helps to build up our body. Thus,good learning habits can help us gain great learning results,high scores and abundant knowledge{#blank#}3{#/blank#} (include).At first,learning habits form our ways of thinking and{#blank#}4{#/blank#} (attitude) to the content of our learning. {#blank#}5{#/blank#} (obvious),a good habit can help us to speed up to reach our destinations.As we can see,developing a good habit is so important that In would like to introduce one kind of good learning habits—keeping{#blank#}6{#/blank#} learning diary every day. We can start the habit by{#blank#}7{#/blank#} (write) a learning summary and remember to record something impressive and meaningful. Keep it in mind{#blank#}8{#/blank#} gradually we can gain this good learning habit and benefit from it.

    What's{#blank#}9{#/blank#} (much),I find out that I still have some bad learning habits{#blank#}10{#/blank#} well. I can only concentrate on reading for a short time,and I will conquer this problem by spending more efforts on concentration practice.

    I believe that through my efforts,I can gain good learning results by having good habits.

    How do learning habits influence learning results? It's useful and necessary to discuss learning habits. There is a famous {#blank#}1{#/blank#} (say) “Good habits lead to good endings”, which shows the importance of habits.

     “An apple a day keeps the doctor away.” Also {#blank#}2{#/blank#} (show) a healthy everyday habit helps to build up our body. Thus, good learning habits can help us gain great learning results, high scores and abundant knowledge {#blank#}3{#/blank#} (include). At first，learning habits form our ways of thinking and {#blank#}4{#/blank#}(attitude) to the content of our learning.{#blank#}5{#/blank#} ( obvious)，a good habit can help us to speed up to reach our destinations. As we can see，developing a good habit is so important {#blank#}6{#/blank#} I would like to introduce one kind of good learning habits — keep a learning diary every day. We can start the habit by {#blank#}7{#/blank#} (write) a learning summary and remember to record something {#blank#}8{#/blank#} (impress) and meaningful. Keep it in mind, and we can gain this good learning habit and benefit from it.

    What's {#blank#}9{#/blank#}（much），I find out that I still have some bad learning habits {#blank#}10{#/blank#} well. I can only concentrate on reading for a short time and I will conquer this problem by spending more effort on concentration practice in future.

I believe that through my efforts，I can gain good learning results by having good habits.

    Cards and digital(数字的) technologies {#blank#}1{#/blank#}(kill) off cash slowly, but is it a cause for concern? Not {#blank#}2{#/blank#}(necessary). Here are some ways of making the most of digital finance.

    Cash is no longer king. Over recent years fewer and fewer transactions have been made with cash. The most recent figures show coins and notes are used just 34% of {#blank#}3{#/blank#} time, down from 63% a decade ago. And usage {#blank#}4{#/blank#}(predict) to fall to just 10% in 15 years.

    Instead we're paying with cards and digital technologies. Some of this is down to user choice, with contactless cards and smartphones making spending {#blank#}5{#/blank#}(fast) and more convenient.

    But it's also being forced upon us. Some retailers are refusing physical money as they can avoid the high bank charges levied(征收) at them for {#blank#}6{#/blank#}(handle) cash. Meanwhile it's harder to get your hands on notes as cash machines and {#blank#}7{#/blank#}(bank) disappear from the high street. And these are trends which are likely {#blank#}8{#/blank#}(increase) in the coming years.

    This could be bad news if you still primarily use cash, {#blank#}9{#/blank#} that's how you pay your bills or how you budget. For some, cash is just what you know. For {#blank#}10{#/blank#}, cash is a necessity­especially when going digital is the alternative.

    As a result this move towards cashless society makes many us easy.