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.

    Animals have been used, and sometimes abused(虐待), in movie-making since the early days of the industry. However, the American Humane Association has worked for many years to protect animals in films. And, the digital age might make animal actors unnecessary.

    The new film “Dolphin Tale” tells about a dolphin that loses her tail because of an injury from a crab-trap. A doctor provides her with an artificial tail that saves her life. The film is based on a real event. And the star of the film, Winter, is a real dolphin that lost her tail. The American Humane Society worked with the movie's makers to make sure Winter stayed safe and healthy during filming. The animal protection group does this for all animal actors in America.

    A thick book of rules and guidelines tells Hollywood moviemakers how to treat animals. Karen Rosa leads the American Humane Society's film and television group. He said, “Everything from the smallest insect to the largest mammal shall be protected. We believe that for the sake of entertainment, everybody should go home alive.

    This was not always the policy in the early days of film. In 1939, a horse was forced off a mountain, falling to his death, in the movie “Jesse James.” The next year, guidelines were established to guarantee safe and healthy conditions for animals in movies.

    A new film “Rise of the Planet of the Apes” tells about the creation of super intelligent apes through science. However, no real animals were among the performers. Computer generated imagery provided the chimpanzees, gorillas and orangutans that movie goers see. Clare Richardson is the president of the Diane Fossey Gorilla Fund. She says computer generated imagery should decrease the use of animals in the film industry. She praises movie makers for the use of computer-made animals.

    In ancient Egypt, a shopkeeper discovered that he could attract customers to his shop simply by making changes to its environment. Modern businesses have been following his lead, with more tactics(策略).

    One tactic involves where to display the goods. For example, stores place fruits and vegetables in the first section. They know that customers who buy the healthy food first will feel happy so that they will buy more junk food later in their trip. In department stores, the women's shoe section is generally next to the women's cosmetics(化妆品) section: while the shop assistant is going back to find the right size shoe, bored customers are likely to wander over and find some cosmetics they might want to try later.

    Besides, businesses seek to appeal to customers' senses, stores notice that the smell of baked goods encourages shopping, so they make their own bread each morning and then fan the bread smell into the store throughout the day. Music sells goods, too. Researchers in Britain found that when French music was played, sales of French wines went up.

    When it comes to the selling of houses, businesses also use highly rewarding tactics. They find that customers make decisions in the first few seconds upon walking in the door, and turn it into a business opportunity. A California builder designed the structure of its houses smartly. When entering the house, the customer would see the Pacific Ocean through the windows, and then the pool through an open stairway leading to the lower level. The instant view of water on both levels helped sell these $10 million houses.

Are Happy Meals Really Happy?

    Don't we all know a “Happy Meal” when we see one--the famous boxed meal that includes a hamburger, kid-sized French fries, fruits and milk, served with a toy that's extremely popular with children who love to collect them?

    A Happy Meal is a form of kids' meal sold at a certain fast-food chain since 1979. A toy is included in the meal, both of which are usually contained in a box or paper bag. However, collectors of these little toys will not get them any longer, since the company will replace toys with books and each of these books will mainly pass on nutritional messages.

    Happy Meals are extremely popular with kids, especially for their collectable toys, when you consider that over 1.3 billion of these packages are sold each year. These packages have been very controversial. Health supporters believe that drawing kids to these meals with toys is a clever way of promoting unhealthy food choices. They see it as an advertising a strategy of “catching its customers young”--a move that has paid off very well for the fast-food company.

    Child development experts say that food habits get formed in children by age six and continue through to their adult life. Fatty and sugary foods such as those served in Happy Meals are believed to play a big role in growing health problems such as obesity and diabetes. Public health care costs have gone up and untold amounts of money have been spent on coping with these health problems. On November 2, 2010, the San Francisco Board of Supervisors passed a law requiring that children's meals sold in restaurants must meet certain nutritional standards before they could be sold with toys, to overcome the problem of childhood obesity--in other words, the State of California tried to ban the toys in Happy Meals. However, it was strongly opposed by some as being heavy-handed, and the ban was thrown out by the government.

    While some people believe that the fast-food company, with its large following of children, can create a powerful message through the books, others believe its actions are contradictory. Anyway, the company is trying to spread the message of nutrition while it is serving food that is anything but healthy.

A Life in Danger

    Lucy, aged 15, lives in Bournemouth with her parents. Her parents aren't poor, and she was at a private school when she started getting bullied. This made her very unhappy and she began to misbehave. She made some new friends who went clubbing a lot. Later she even took drug and stole money to buy drug. Her parents were so worried about their daughter and so angry about her behavior that they decided to send Lucy to Turn-About Ranch (TAR), a tough camp for problem teens in Utah, in the USA.

Lucy didn't like the idea of going to the ranch（牧场）in Utah, but after spending three months there, she's changed her attitude. She said, "The staff at TAR cared about our emotional well-being but they also wanted us to be disciplined and respect the rules. They told us not to take any drugs, not even tobacco or alcohol, and they made us get up at 6.30 a.m. every day and to school work as well as jobs around the ranch. TAR is a real, working ranch with cows and horses, which we had to take care of.

At TAR they asked us not to wear make-up or jewelry or use hair products. They told us that teenagers with problems often use a cool appearance as a mask to hide behind and that they needed to break down those barriers to help us look inside at the confusion which causes our problem behavior. They also wanted us to take responsibility for all our actions."

Her time there has made her more self-confident, less aggressive and much happier. She's started a college course, she's got a part-time job, and she's also doing voluntary work helping underprivileged children. She hasn't taken any drugs since she left TAR. Lucy says, "TAR made me think very hard about the friends I used to see and where my life was going. I realized that the drugs were starting to become the only thing in my life that I cared about, which meant I stopped enjoying other things and treated people badly. I ought to have realized that, and I know I shouldn't have done a lot of things that I did. The ranch has really opened my eyes. They told me to believe I could achieve something with my life, and from now on I want to try."

    I'm a real book lover. Every time my friends visit me, my nose is buried in a book. Wherever I go, I always have a book with me. Novels, history books, stories about people, journals and news­I read them all and I've learnt a lot, too. For example, many things in life happen for the best even if we don't like or understand them.

    Why is reading such an enjoyable pastime for me? I probably first learned about it from my parents. My mother read to me at night in my childhood and bought me picture books. The greatest gift she has given me is a love for reading. And it will be a life-long habit.

    No one ever asked me why I liked to read. They just saw me and asked, "Oh? Is that for school work?" And I just shook my head, "No. It's just for fun." While reading a good book, I can totally forget myself and fly to another world. It's like exploring through someone's eyes, which is just as exciting as watching a movie.

    Reading is also necessary in order to learn about writing, to improve my use of words and phrases and broaden my knowledge. What a pity to see our imagination disappear, for we don't exercise it often. Reading can even be good for one's health, I think. Everyone should read sad stories that make us cry and also books with humor that make us laugh out loud!