The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account (交易账户) where you 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 expect you to pay large fees. In fact, there are no account keeping or transaction fees!

● Excellent interest rates!

    You want your money to grow. The Winners Club has a good rate of interest which gets even better if you make at least two deposits (存款) without taking them out in a month.

● Convenient

    Teenagers are busy — we get that. You may never need to come to a bank at all. With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet...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 will receive 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 for teenagers. And it is so easy to join. Simply fill in an application form. You will have to get permission from your parent or guardian (so we can organize that cool key­card) but it is easy. We can't wait to hear from you. It's the best way to choose to be a winner!

Four Secrets to Steve Jobs' Success

    How is it that a college dropout, who was once kicked out of his own company, became one of the world's foremost innovators?

    Carmine Gallo lists the four ways Jobs managed to succeed in the face of discouraging circumstances. {#blank#}1{#/blank#} 

    Do what you love, no matter what it happens to be.

    This is what Jobs told Stanford University graduates in a speech in 2005, Gallo says the famous talk show host Rachael Ray agrees with this advice. Rachael Ray does what she loves. {#blank#}2{#/blank#}  She did that because she loved cooking.

    Say no to 1000 things.

    Simplifying his business was the key to Jobs' success, Gallo says. In 1997, when Jobs returned to Apple, Apple was close to bankruptcy（破产）. He took 300 products and condensed them to 10 within a two-year period.

    {#blank#}3{#/blank#}  In his latter years, he decided he would wear the same dress every day so that he didn't have to think about it.

    Kick-start（启动）your brain by doing something new.

    Doing new things helped Jobs, in the words of Apple's own slogan, “Think differently.”

    The inspiration for the Apple Store came from the Four Seasons Hotel. That's why when you walk into an Apple Store, you will not find a cashier. {#blank#}4{#/blank#}  Walk to the back of the store and there's a bar. It doesn't serve alcohol, but it collects advice.

    {#blank#}5{#/blank#} 

    “For Jobs, it wasn't just about selling 29 million iPads this summer but entertaining the customer at the same time,” Gallo says. “Whether you run a multi-billion dollar tech company or a pizza restaurant, innovation means creating a new experience for your customers,” Jobs says.

A. Do what you are curious about.

B. Create fresh experiences.

C. Instead, you'll find a doorkeeper.

D. Carmine Gallo says that you can do the same.

E. She was giving cooking lessons at Macy's for free.

F. Simplicity also extends to Jobs' personal life.

G. Jobs explained that iPad was not just a phone but a lifestyle.

Help Hermit Crabs

    Hermit crabs are nature's recyclers. They eat waste and help keep oceans and shores clean. Unlike other crabs, the hermit crab has a thin outer shell over its soft tail. This makes the hermit crab easy prey for hungry predators(天敌).Hermit crabs stay safe by living in old seashells. A hermit crab is picky(狡猾); it tries on many shells until it finds one that fits just right. In recent years, however, many hermit crabs have had trouble finding their perfect homes. What is the problems. There are not enough shells to go around!

    One reason for the seashell shortage is that ocean water is not as clean as it once was. This has caused chemical changes to sea water. Some sea animals, like snails, are affected by these changes.  Now there are fewer snails making shells. People visiting the beach often take shells home as souvenirs(纪念品).This is another problem. Other people even take shells for their own pet hermit crabs! They do not realize that hermit crabs in the wild need those shells too.

    Now people are working to solve this hermit crab housing shortage. They are teaching beach-Boers to leave seashells where they belong--at the seashore! Some people even make fake seashells that they hope the hermit crabs will like. For example, a group called Project Shelter invited people who visited their website to create different designs for hermit crab shells.

    These designers had a lot to consider. What kind of material should be used to build a seashells. The material must be light enough for the hermit crab to carry, but strong enough to protect the crab from predators. The man-made shells could not contain glue or any other substance(物质)that might harm a hermit crab. Another challenge with building a hermit crab home was the opening to the shell. Too big would mean the crab would not feel safe. Too small would be uncomfortable, and the crab would not want to move in.

    The Project Shelter shells are placed in the wild for hermit crabs to find. Lucky hermit crabs can move into these new dream homes.

    A food chain is a simple way of explaining how each living thing gets its food. For example, a simple African food chain might consist of three parts: first, trees and bushes; second, giraffes; and third, lions. Each link in a food chain is food for the next link. Food chains always start with plants and end with animals.

    Plants are at the bottom of the food chain. Scientists call them producers, because they use light energy from the sun to produce food from carbon dioxide and water through photosynthesis（光合作用）. Animals, unlike plants, can't produce their own food. Instead, they must eat plants or other animals. This is why scientists call them consumers.

    Consumer animals fall into three categories. Herbivores（食草动物）eat only plants. Carnivores（食肉动物） eat only other animals. Omnivores eat both plants and animals. In addition to producers and consumers, there are also decomposers(分解者).These organisms, such as bacteria and fungi, feed on decaying(腐烂) matter. They help the food chain by speeding up the decaying process that releases minerals back into the soil to be absorbed by plants as nutrients.

    Most food chains have only four or five links in them. As you go up a food chain, the amount of energy at each level diminishes, because some of the energy is lost in the form of waste or is used up by the organism at the level. That is why it takes many plants, for example, to feed a few giraffes who in turn feed one lion.

    Most animals are part of many different food chains, because they must eat more than one type of food to satisfy their energy needs. All of these interconnected food chains form a more complex structure called a food web. Humans, for example, are at the center of a very complex food web, because we tend to eat many different types of plants and animals.

    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.

    Every new person added to the planet needs food, water, clothes, and so on. {#blank#}1{#/blank#}. Those things require extra natural resources, including land and water. But Earth's riches are limited. Less than 1 percent of Earths water can be used for drinking and washing. One out of every thirteen people around the world does not always have enough clean water.{#blank#}2{#/blank#}. Too many people are using too much water, especially in the already dry areas of the southwestern United States.

    Food shortages(不足) are even more common. Worldwide, one out of every seven people does not get enough to eat.{#blank#}3{#/blank#}. Over time, the soil loses its nutrients(营养) and the farmland becomes useless for growing food. As the world becomes more crowded(拥挤的), more land is needed to make way for growing cities. {#blank#}4{#/blank#}. That's a problem because trees help take in a gas called carbon dioxide. Humans produce carbon dioxide by burning coal and oil. Fewer trees mean more carbon dioxide in the atmosphere. The buildup of carbon dioxide traps heat and pollution above Earth.

    {#blank#}5{#/blank#}, although every person uses the planet's resources. The richest billion people, Americans especially, use the most resources. They also produce the most waste.

A. Forests are cleared away

B. Some people use a lot more than others

C. Water shortages have hit many parts of the world

D. Water pollution is a serious problem in some areas

E. More trees should be planted to handle air pollution

F. Huge needs for food force farmers to overuse their land

G. More people mean more cars, roads, schools, hospitals, and stores