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!

    At a daycare center in Texas, children were playing outside. One of the children was Jessica Mc Clure. She was 18 months old. Her mother, who worked at the daycare center, was watching the children. Suddenly Jessica fell and disappeared. Jessica's mother screamed and ran to her.

    A well was in the yard of the center. The well was only eight inches across and a rock always covered it. But children had moved the rock. When Jessica fell, she fell right into the well.

    Jessica's mother reached inside the well, but she couldn't feel Jessica. She dialed 911 for help. Men from the fire department arrived. They discovered that Jessica was about 20 feet down in the well. For the next hour the men talked and planned Jessica's rescue.

    “We can't go down into the well,”they said.“It's too narrow. So, we're going to drill a hole next to the well. Then we'll drill a tunnel across to Jessica. When we reach her, we'll bring her through the tunnel and up through our hole.”

    The men began to drill the hole at 11 a.m. on Wednesday, October 14, 1987. The men had a difficult job; they were drilling through solid rock. During her days in the well, Jessica sometimes asked for her mother. Sometimes she slept, sometimes she cried and sometimes she sang.

    All over the world, people waited for news of Jessica. Everyone worried about her.

    At 8 p.m. on Friday, October 16, men reached Jessica and brought her up from the well. She was soon sent to hospital. Jessica was dirty, hungry, thirsty and tired. Her feet and forehead were badly injured. But Jessica was alive.

    After Jessica's rescue, one of the rescuers made a metal cover for the well, saying,“To Jessica, with love from all of us.”

    The advice offered from any other 82-year-olds might have made young people yawn and roll their eyes. But when former South African president Nelson Mandela advised two dozen local youth leaders in Los Angeles to take education seriously, his audience was listening.

    The famed old man said to the young people that if they expected to improve the lives of others in the future, they must work at improving their own lives now. "Education is one of the most important weapons you have,” Mandela advised. “It will place you in a far better position to serve yourself and your community.”

“The point is, he was young once and rebellious(叛逆的)once and he kept his dream alive, just as you each have dreams,” explained South Africa's ambassador to the United States, Sheila Sisulu, as she introduced Mandela to the young crowd.

    Asked for specific advice about changing society by 21-year-old Ahmed Younis, Mandela suggested that somehow helping arouse more American interest in foreign affairs might be a start.

There is an impression that Americans, in general, have not followed international developments properly, Mandela said. “I'm not making that statement myself, but there are serious political analysts who say Americans are not well informed as to what has happened in the world.”

22-year-old Omari Trice said Mandela left him full of enthusiasm. “ He's a person who set the tone for an entire nation, said Trice. “You come away feeling you need to be a superman in order to get things done.”

    What is language for? Some people seem to think it's for practicing grammar rules and learning lists of words—the longer the lists, the better. That's wrong. Language is for the exchange of ideas and information. It's meaningless knowing all about a language if you can't use it freely. Many students I have met know hundreds of grammar rules, but they can't speak correctly or fluently（流利地）. They are afraid of making mistakes. One shouldn't be afraid of making mistakes when speaking a foreign language. Native speakers make mistakes and break rules, too. Bernard Shaw once wrote,  “Foreigners often speak English too correctly. ” But the mistakes that native speakers make are different from those that Chinese students make. They're English mistakes in the English language. And if enough native speakers break a rule, it is no longer a rule. What used to be wrong becomes right. People not only make history, they make language. But a people can only make its own language. It can't make another people's language. So Chinese students of English should pay attention to grammar, but they shouldn't overdo it. They should put communication first.

    You probably know that frogs hop (双足跳). But did you know that there's a small frog in the Pacific Northwest that belly flops (肚子先着水)? It's called a tailed frog.

    Dr. Rick Eisner, who has been studying tailed frogs for the past few years, says, "I've looked at thousands of jumps and have never seen them land on their feet like other frogs." Most of the time, tailed frogs land on their stomachs and then bring their back legs in to prepare for another jump.

    Eisner first noticed these frogs because of the way they swim. Other frogs kick both of their back legs at the same time. But when a tailed frog swims, it pushes first with one leg and then the other.

    To try to find out why tailed frogs bellyflop, Eisner and other scientists collected and filmed different kinds of frogs. They found that all of the frogs start their jumps the same way: They hold out their legs. The change comes in the landing. Tailed frogs can't move their back legs as quickly as other frogs do. Maybe they don't need to. Tailed frogs live around water and quickly jump into the water to escape danger.

    Early frogs developed around watery areas and could jump quickly into the water to escape danger. Scientists think those frogs blended in with (与…融合在一起) the green plants on the side of the rocky rivers, just like today's tailed frogs. "I would guess that other animals would have problems detecting them," explains Eisner. When other animals find those early frogs, the frogs could jump into the river. They didn't need to continue hopping.

    Tailed frogs and other kinds of frogs went their own ways about 200 million years ago. Tailed frogs stayed by rivers. Other kinds of frogs moved to places where new hopping skills allowed them to survive.

    Technology offers conveniences such as opening the garage door from your car or changing the television station without touching the TV.

    Now one American company is offering its employees a new convenience: a microchip implanted (植入) in their hands. Employees who have these chips can do all kinds of things just by waving their hands. Three Square Market is offering to implant microchips in all of their employees for free. Each chip costs $300 and Three Square Market will pay for the chip. Employees can volunteer to have the chips implanted in their hands. About 50 out of 80 employees have chosen to do so. The president of the company, his wife and their children are also getting chips implanted in their hands.

    The chip is about the size of a grain of rice. Implanting the chip only takes about a second and is said to hurt only very briefly. The chips go under the skin between the thumb and forefinger. With a chip in the hand, a person can enter the office building, buy food, sign into computers and more, simply by waving that hand near a scanner. The chips will be also used to identify employees. Employees who want convenience, but do not want to have a microchip implanted under their skin, can wear a wristband (腕带) or a ring with a chip instead. They can perform the same tasks with a wave of their hands as if they had an implanted chip.

    Three Square Market is the first company in the United States to offer to implant chips in its employees. Epicenter, a company in Sweden, has been implanting chips in its employees for a while.

    Three Square Market says the chip cannot track the employees. The company says scanners can read the chips only when they are within a few inches of them. "The chips protect against identity theft, similar to credit cards." The U.S. Food and Drug Administration approved the chips back in 2004, so they should be safe for humans, according to the company.

    In the future, people with the chips may be able to do more with them, even outside the office. Todd Westby is Chief Executive Officer of Three Square Market. He says, "Eventually, this technology will become standardized allowing you to use this as your passport, public transit, all purchasing opportunities, etc."