Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to avoid 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” 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 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 as automated teller machines (ATM).

    Online banking has a lot of advantages. Unlike your corner bank, online banking sites never close; they're at hand 24 hours a day, seven days a week and they're a mouse 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.

    The kids in this village wear dirty, ragged clothes. They sleep beside cows and sheep in huts made of sticks and mud. They have no school. Yet they all can chant the English alphabet, and some can make words.

    The key to their success: 20 tablet computers(平板电脑) dropped off in their Ethiopian village in February by a U.S. group called One Laptop Per Child.

    The goal is to find out whether kids using today's new technology can teach themselves to read in places where no schools or teachers exist. The Massachusetts Institute of Technology researchers analyzing the project data say they're already amazed. “What I think has already happened is that the kids have already learned more than they would have in one year of kindergarten,” said Matt Keller, who runs the Ethiopia program.

    The fastest learner—and the first to turn on one of the tablets—is 8-year-old Kelbesa Negusse. The device's camera was disabled to save memory, yet within weeks Kelbesa had figured out its workings and made the camera work. He called himself a lion, a marker of accomplishment in Ethiopia.

With his tablet, Kelbasa rearranged the letters HSROE into one of the many English animal names he knows. Then he spelled words on his own. “Seven months ago he didn't know any English. That's unbelievable,” said Keller.

The project aims to get kids to a stage called “deep reading,” where they can read to learn. It won't be in Amharic, Ethiopia's first language, but in English, which is widely seen as the ticket to higher paying jobs.

Holidays

    Black Friday-the day after Thanksgiving Day in the United States-signals the beginning of the holiday shopping season. Although it's not an official holiday, millions of employers give their employees the day off, and many people use that day to get a jump start on their holiday shopping. A similar day in Canada and the Great Britain is called "Boxing Day".

    Black Friday has become a marketing sensation in recent years. Since 2005, it has been the busiest shopping day of the year. To lure shoppers, retailers（零售商）routinely open their doors as early as 4 am and offer special sales and promotions to the shoppers that arrive early. Some of the special deals offered by stores are only available in limited quantities. That is why some shoppers intend on getting the best deals often camp out in front of stores overnight so that they will be the first in line when the doors open.

    But why Black Friday? Historians believe the name started in Philadelphia in the mid 1960s. Bus drivers and police used "Black Friday" name. In the early 1980s, a more positive explanation of the name began to ciculate. According to this alternative explanation, Black Friday is the day when retailers finally begin to turn a profit for the year. In accounting terms, operating at a loss is called being "in the red" because accountants traditionally used red ink to show negative amounts. Positive amounts were usuallay shown "in black ink". Thus, being in the black is a good thing because it means stores are operating at a profit.

    Recently, for those who are too busy to stop on Black Friday, or who just don't want to fight the crowds, the Monday following Black Friday has become known as Cyber Monday for shoppers can take advantage of the comfort of getting many online deals from their homes.

    The end of the school year is in sight — Christmas cards, candy canes and of course, end of year reports.

    While most parents welcome an assessment of their kids' performance, they do not expect their own input to be evaluated. But a school in the UK is changing that. As well as assessing their students, they are dishing out grades to mums and dads. Parents that are really involved in their kid's education are rewarded with an A, and parents that haven't done their bit get a disappointing D.

    The school, Greasley Beauvale Primary in Nottinghamshire, uses criteria such as whether mums and dads have attended school events such as plays and parent-teacher conferences to decide on the grade. The school's principal, Donna Chambers, said that the scheme (方案)had been well received.

    “There were some critics, but my response was 'well, it can't do any harm'. Between 15 percent and 20 percent of parents started out in the lower categories but now that has been reduced to just two percent,” she explained.

    Chambers hopes that the scheme will help motivate parental involvement. “The system is important because you have got to get the parents on board from day one. That one hour initial conversation saying they could improve will pay dividends for the rest of that child's academic life”, she said.

    But while the scheme may be well-intentioned, it is likely to be connected with parent shaming. There are lots of reasons why some mums and dads might not be involved in school activities such as work commitments, looking after younger children or caring for elderly relatives.

    And of course, being involved in your kid's education doesn't begin and end at school. There is a lot that goes on behind the scenes from helping with homework to keeping uniforms freshly laundered. And what about all the parents who stayed up sewing special costumes at the last minute? Surely that earns a gold star instead of a grade!

    Emmoni Lopez used to take dance lessons while her older brothers wrestled – but it turned out that she liked wrestling better.

    Her mom wasn't surprised when Lopez told her she liked wrestling more than dance, and three years after Lopez took up the sport, she enjoys watching her daughter wrestle. Still, when a coach first asked Lopez to join his program, her mom hesitated– she never thought her daughter would want to be a wrestler.

    Lopez is among a growing number of girls who are taking up wrestling. Officials with youth organizations in Chicago and the Illinois Kids Wrestling Federation (IKWF) said they've seen the number of girls participating in the sport take off in recent years.

In Lopez's program, about half of the students participating in the organization's free youth wrestling camp this summer are girls, coach Frankie Zepeda said.

    Many of the girls Zepeda sees become interested in wrestling through their brothers, he said.

    “They probably just learn to … fight back,” he said.

    One of those was Yamilet Aguirre. She took up wrestling because she was bored just watching her brother wrestle, she said.

    “I can have fun doing it,” she said. “And I can prove girls are just as strong as boys are.”

    Though girls have competed on high school wrestling teams in Illinois for years, coaches and female wrestlers said there weren't many participating a decade ago.

    “It's really picked up over the last few years,” said Jim Considine, president of the IKWF.

    Between the 2015-16 and 2017-18 seasons, the number of girls registered with IKWF grew from 363 to 503, and more of the organization's events are featuring a girls-only division. Girls and boys wrestle together during the season through IKWF, but there's a girls-only championship at the end of the year.

    And by adding female wrestling programs, colleges are giving girls and young women another option.

    “Female wrestling isn't something unacceptable anymore,” Considine said. “Things have happened so quickly. Ten years ago, you'd never have dreamed of doing this.”