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.

    Zebra crossings－the alternating dark and light stripes on the road surface－are meant to remind drivers that pedestrians may be trying to get across. Unfortunately, they are not very effective. A 1998 study done by the Department of Traffic Planning and Engineering at Sweden's Lund University revealed that three out of four drivers maintained the same speed or even speeded up as they were approaching a crossing. Even worse, only 5% stopped even when they saw someone trying to get across.

    Now a mother-daughter team in Ahmedabad, India has come up with a clever way to get drivers to pay more attention－a 3-D zebra crossing with an optical illusion (视错觉).

    Artists Saumya Pandya Thakkar and Shakuntala Pandya were asked to paint the crosswalks by IL&FS, an Indian company that manages the highways in Ahmedabad. The corporation was looking for a creative solution to help the city's residents to cross the busy accident-prone  (易出事故的) roads safely. Thakkar and Pandya, who had previously seen images of 3-D zebra crossings that gave drivers the illusion of logs(原木)of wood on the streets in Taizhou, China, decided to test if a similar way would work in India.

    Sure enough, in the six months that the 3-D crosswalks have been painted across four of the city's most dangerous highways, there have been no accidents reported! The artists say that while it may appear that the zebra crossing could cause the drivers to brake suddenly and endanger the vehicles behind, such is not the case. Because of the way the human eye works, the illusion is only visible from a distance. As they get closer, the painting looks just like any other ordinary zebra crossing. The creators hope that their smart design will become increasingly common throughout India and perhaps even the world. So let's look forward to it.

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    There was a gardener who looked after his garden with great care. To water his flowers, he used two buckets（桶）. One was a shiny and new bucket. The other was a very old and dilapidated one, which had seen many years of service, but was now past its best.

    Every morning, the gardener would fill up the two buckets. Then he would carry them along the path, one on each side, to the flowerbeds. The new bucket was very proud of itself. It could carry a full bucket of water without a single drop spilled（溢出）.The old bucket felt very ashamed because of its holes: before it reached the flowerbeds, much water had leaked along the path.

    Sometimes the new bucket would say, "See how capable I am! How good it is that the gardener has me to water the flowers every day! I don't know why he still bothers with you. What a waste of space you are!"

    And all that the old bucket could say was, "I know I'm not very useful, but I can only do my best. I'm happy that the gardener still finds a little bit of use in me, at least. "

    One day, the gardener heard that kind of conversation. After watering the flowers as usual, he said, "You both have done your work very well. Now I am going to carry you back. I want you to look carefully along the path. "

    Then the two buckets did so. All along the path, they noticed, on the side where the new bucket was carried, there was just bare（光秃秃的）earth；on the other side where the old bucket was carried, there was a joyous row of wild flowers, leading all the way to the garden.

    Thomas Cheatham had planned to study Latin during his time at Hebron High School in Texas. But when he learned that the school district was going to offer a Mandarin(普通话) class, he quickly changed his mind.

    "I thought Mandarin would be more beneficial than Latin," said Cheatham, who is now in his second year of studying the language.

    He speaks Mandarin to order food at Chinese restaurants and can read social media posts from his Chinese-speaking friends. While it's a difficult language to master, the high school junior, who plans to study computer engineering, thinks it will be important for his career. "Chinese is a good language to know, especially with China becoming a growing power," he said.

    Many experts agree that proficiency(熟练) in a language spoken by a billion people worldwide will give American students an edge in the global economy.

    "People are looking at China as our next economic competitor, and interest in Mandarin is growing fast," said Marty Abbott, director of the American Council(议会) on the Teaching of Foreign Languages. "We're seeing it in all parts of the country."

    Abbott predicts that as many as 100,000 students are now studying Mandarin in public and private schools throughout the US. She said the US government has designated (指定) Mandarin as an "important needs" language and provides professional development programs for teachers. "Our government wants to increase our language ability for national security and economic competitiveness," Abbott added.

    At the same time, the Chinese government is spreading knowledge of the Chinese language and culture through Confucius Institutes set up in many US states. For example, the Confucius Institute at the University of Texas in Dallas has been the home of a Confucius Institute for 10 years. It sponsors Confucius Classrooms at 21 local public and private schools, where tens of thousands of students are learning Mandarin.

    Why do we dream? It's a question researchers have been studying for years. Now new research suggests that some dreams may result from the brain's effort to keep learning, even as we sleep.

In a study in Boston,100 volunteers were trained for an hour on a maze(迷宫). They tried to find their way through the difficult puzzle as quickly as possible. Then half of the volunteers were allowed to sleep for 90 minutes. The other half stayed awake, reading or relaxing. The ones who slept were asked to describe their dreams when they woke up.

    After the rest, the volunteers were asked again to solve the maze. Those who hadn't slept showed no improvement or did even worse after the break. Sleepers who didn't report any maze­related dreams did better but showed only a little improvement. However, four nap­takers who reported dreaming about the maze showed a surprising improvement. They scored 10 times higher after sleeping and dreaming about the maze.

    Even though the number of dreamers was small, the researchers noted that the gap in learning between the dreamers and non­dreamers was so wide that the finding was significant(有意义的).

The dreamers had all performed poorly on the test before dreaming about it. That suggests that struggling with a task might be the trigger that leads the sleeping brain to focus on it and work on how to deal with it.

    "It's almost as if your brain is going through everything that happened today," Dr Stickgold, a scientist at Harvard Medical School, said. "The things you're obsessed(迷住) with are the ones that your brain forces you to continue to do with."

    About a month after I joined Facebook, I got a call from Lori Goler, a highly regarded senior director of marketing at eBay. She made it clear this was a business call. "I want to apply to work with you at Facebook," she said. "Instead of recommending myself, I want to ask you: What is your biggest problem, and how can I solve it?"

    My jaw hit the floor. I had hired thousands of people over the previous decade and no one had ever said anything remotely like that. People usually focus on finding the right role for themselves, with the implication that their skills will help the company. Lori put Facebook's needs front and center. It was a killer approach. I responded, "Recruiting is my biggest problem. And, yes, you can solve it."

    Lori never dreamed she would work in recruiting, but she jumped in. She even agreed to trade earnings for acquiring new skills in a new field. Lori did a great job running recruiting and within months was promoted to her current job, leading People@Facebook.

    The most common metaphor for careers is a ladder, but this concept no longer applies to most workers. As of 2010, the average American had eleven jobs from the ages of eighteen to forty-six alone. Lori often quotes Pattie Sellers, who came up with a much better metaphor: "Careers are a jungle gym, not a ladder."

    As Lori describes it, there's only one way to get to the top of a ladder, but there are many ways to get to the top of a jungle gym. The jungle gym model benefits everyone, but especially women who might be starting careers, switching careers, getting blocked by external barriers, or reentering the workforce after taking time off. The ability to create a unique path with occasional dips, detours (弯路), and even dead ends presents great views of many people, not just those at the top. On a ladder, most climbers are stuck staring at the butt of the person above.