situation in which they had to observe two circles on a screen.

    At first glance,price-comparison websites are an example of capitalism at its best.But it has caused fierce competition on price and eviscerated profits.Towers Watson,a consultancy,said that "unnecessary" price competition following the rise of comparison sites in Britain had cost insurers ￡1 billion a year.

    Consumers should celebrate that;the firms' losses are their gains.But there is a catch.Comparison sites introduce a new layer of costs,including their own advertising campaigns.In theory,competition in the market for comparison sites ought to keep those costs down.But David Ronayne of Warwick University argues that consumers often lose out from comparison sites.They earn a commission for each shopper who uses them for consumption such as buying insurance.That referral（委托）cost is included in the price the consumer ends up paying.If the increased costs outweigh the saving the comparison enables,consumers end up worse off.

    These worries are not just theoretical.In 2014,Britain's competition regulator found that many comparison sites were using their contracts with retailers（零售商）to ban them from offering lower prices elsewhere.That weakened rivals' incentive（对手的动机）to cut fees,because prices on their site could not fall.By keeping prices similar,the contracts also reduced the incentive for consumers to search on multiple sites,thus helping sites retain their users.

    Weaker incentives to lower commissions mean weaker incentives to lower costs,too.That might explain why comparison websites advertise so heavily,and sometimes offer free gifts to those who use them.In a recent paper,Ben Edelman of Harvard Business School and Julian Wright of the National University of Singapore argue that when a site knows that the prices merchants provide through it will always be the lowest available,it increases investment in attracting customers,safe in the knowledge that the merchants and at last consumers will bear the cost.

    Is there any way to ensure the market for price comparison is competitive?Asking consumers to check multiple websites defeats the point of using them.One solution is to have only one site,but regulate it as a public utility（功用）. Alternatively,the governments could run the site itself.But creating good search and comparison sites may be too hard for them.It is much better to acknowledge that consumers will always have to do some comparison themselves to "keep the system honest".

    Websites that compare the comparison sites can help,although it is easy to see how they could fall prey to the same problems.Any firm with captive users（被动用户）,be it a comparison site a search engine,or a social-media platform,can charge a high price for access to the eyes of its customers.For all their innovation,Internet middlemen are not unlike supermarkets.Shoppers would never imagine that a single store had the lowest price for all the items they need.

    Red meat, usually considered to be beef, pork, mutton and lamb products, have nutritional value, but eating red meat also raises some health concerns.

    Red meat is an excellent source of protein(蛋白质). It is also a key source of vitamin B12, which is only available in animal products and is key for both red blood cell and nerve health. Red meat is also a rich source of zine, selenium(硒) andiron. Zinc and selenium are good for our immune system (免疫系统). Iron helps transport oxygen in the blood, and low levels of iron can lead to feeling tired. Eating red meat, especially lean cuts(廋肉), with meals and snacks, may help people curb hunger between meals and help people with weight management.

    Health risks of red meat may include the risk of heart disease and cancer. It is usually best to avoid processed meats. These tend to contain lots of salt and nitrites(亚硝酸盐), which may damage our health. Choosing lean cuts and cooking meat correctly may reduce health risks. It is generally advised not to undercook or overcook red meat and to avoid grilling(烧烤).

    When it comes to red meat and health, another thing is whether the animals are grain or grass-fed. Grass-fed animals frequently have a better quality of life. Grass feeding can be more environmentally friendly as well.

    Many governments suggest the amount of red meat should be safely included in a healthy diet. The amount varies between nations, but several portions a week are usually acceptable. Those who choose to include eating red meat may wish to choose grass-fed animals and to cut off any fat before eating.

    Nations in the UN have agreed that the world needs to completely stop plastic waste from entering the oceans. The UN resolution(决议) has no timetable. But ministers at an environment summit believe it will set the course for much tougher policies and send a clear signal to business.

    Under the resolution, governments would establish an international task force(特遣小组) to advise on fighting what the UN's oceans chief has described as a world crisis. One controversial issue is the wish to include businesses on the global task force. Ministers say the problem will not be solved without business, but green groups point out that some firms in the plastics industry have been against restrictions for decades. Vidar Helgesen, a leading voice in the talks, told BBC News, “Business is listening to markets and seeing how marine litter(海洋垃圾) is a growing popular concern. It's possibly the fastest－growing environmental problem and it's therefore a fast－growing problem for business. We need to bring on board those companies that want to change things, and then look at taxes and regulations to make more companies act.”

    Certainly, there has been resistance from plastics firms to the bans. One UN delegate, who did not want to be named, stated that journalists in some countries were being paid by the plastics industry to write stories about job losses following the plastic bag ban. But they did not mention the jobs being created in alternatives, such as labour－intensive basketwork, which provides work for the rural poor. But some governments are standing firm, and the meeting has witnessed individual nations declaring tougher action against single－use plastic bags.

    The UN's spokesman Sam Barratt told BBC News, “Of course we would have liked to have gone further, but this meeting's made real progress. There's now a sense of urgency and energy behind the issue that we haven't quite seen before. What is obvious, though, is that the UN can't solve this problem on its own. We need to do it in partnership with governments, businesses and even individuals.”

    The young boy saw me, or rather, he saw the car and quickly ran up to me, eager to sell his bunches (串) of bananas and bags of peanuts. Though he appeared to be about twelve, he seemed to have already known the bitterness of life. "Banana 300 naira. Peanuts 200 naira"

    He said in a low voice. I bargained him down to 200 total for the fruit and nuts. When he agreed, I handed him a 500 naira bill He didn't have change, so I told him not to worry.

    He said thanks and smiled a row of perfect teeth.

    When, two weeks later, I saw the boy again, I was more aware of my position in a society where it's not that uncommon to see a little boy who should be in school standing on the corner selling fruit in the burning sun. My parents had raised me to be aware of the advantage we had been afforded and the responsibility it brought to us.

    I pulled over and rolled down my window. He had a bunch of bananas and a bag of peanuts ready. I waved them away. "What's up?" I asked him. "I… I don't have money to buy books for school." I reached into my pocket and handed him two fresh 500 naira bills.

    "Will this help?" I asked. He looked around nervously before taking the money. One thousand naira was a lot of money to someone whose family probably made about 5,000 naira or less each year. "Thank you, sir," he said. 'Thank you very much."

    When driving home, I wondered if my little friend actually used the money for school-books. What if he's a cheat? And then I wondered why I did it. Did I do it to make myself feel better? Was I using him? Later, I realized that I didn't know his name or the least bit about him, nor did I think to ask.

    Over the next six months, I was busy working in a news agency in northern Nigeria. Sometime after I returned, I went out for a drive. When I was about to pull over, the boy suddenly appeared by my window with a big smile ready on his face

    "Oh, gosh! Long time."

    "Are you in school now?" I asked.

    He nodded.

    "That's good," I said. A silence fell as we looked at each other, and then I realized what he wanted. "Here," I held out a 500 naira bill. "Take this." He shook his head and stepped back as if hurt. "What's wrong?" I asked. "It's a gift"

    He shook his head again and brought his hand from behind his back. His face shone with sweat (汗水). He dropped a bunch of bananas and a bag of peanuts in the front seat before he said, "I've been waiting to give these to you."

    Two of the saddest words in the English language are “if only". I live my life with the goal of never having to say those words, because they convey regret, lost opportunities, mistakes, and disappointment.

    My father is famous in our family for saying, “Take the extra minute to do it right." I always try to live by the “extra minute" rule. When my children were young and likely to cause accidents, I always thought about what I could do to avoid an “if only" moment, whether it was something minor like moving a cup full of hot coffee away from the edge of a counter, or something that required a little more work such as taping padding (衬垫) onto the sharp corners of a glass coffee table.

    I don't only avoid those “if only" moments when it comes to safety. It's equally important to avoid “if only" in our personal relationships. We all know people who lost a loved one and regretted that they had foregone an opportunity to say “I love you" or “I forgive you." When my father announced he was going to the eye doctor across from my office on Good Friday, I told him that it was a holiday for my company and I wouldn't be here. But then I thought about the fact that he's 84 years old and I realized that I shouldn't give up an opportunity to see him. I called him and told him I had decided to go to work on my day off after all.

    I know there will still be occasions when I have to say “if only" about something, but my life is definitely better because of my policy of doing everything possible to avoid that eventuality. And even though it takes an extra minute to do something right, or it occasionally takes an hour or two in my busy schedule to make a personal connection, I know that I'm doing the right thing. I'm buying myself peace of mind and that's the best kind of insurance for my emotional well-being.

    While the start of a new school year is always exciting, this year was even more so for some elementary school students in Auckland, New Zealand. They became the world's first kids to be "taught" by a digital teacher. Before you start imagining a human-like robot walking around the classroom, Will is just an avatar that appears on the student's desktop, or smartphone screen, when ordered to come.

    The autonomous animation platform has been modeled after the human brain and nervous system, allowing it to show human-like behavior. The digital teacher is assigned to teach Vector's "Be sustainable with energy" — a free program for Auckland elementary schools.

    Just like the humans it replaced, Will is able to instantly react to the students' responses to the topic. Thanks to a webcam and microphone, the avatar not only responds to questions the kids may have, but also picks up non-verbal cues. For instance, if a student smiles at Will, he responds by smiling back. This two-way interaction not only helps attract the students' attention, but also allows the program's developers to monitor their engagement, and make changes if needed.

    Nikhil Ravishankar believes that Will-like avatars could be a novel way to catch the attention of the next generation. He says, “I have a lot of hope in this technology as a means to deliver cost-effective, rich, educational experience in the future.”

    The program, in place since August 2018, has been a great success thus far. Ravishankar says, " What was fascinating to me was the reaction of the children to Will. The way they look at the world is so creative and different, and Will really captured their attention." However, regardless of how popular it becomes, Will is unlikely to replace human educators any time soon.