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.

    Education is not an end, but a means to an end. In other words, we do not educate children only for the purpose of educating them. Our purpose is to fit them for life.

    In some modern countries it has for some time been fashionable to think that by free education for all—whether rich or poor, clever or stupid—one can solve all the problems of society and build a perfect nation. But we can already see that free education for all is not enough; we find in such countries a far larger number of people with university degrees refuse to do what they think to be "low" work, and, in fact, work with hands is thought to be dirty and shameful in such countries. But we have only to think a moment to understand that the work of a completely uneducated farmer is far more important than that of a professor. We can live without education, but we die if we have no food. If no one cleaned our streets and took the rubbish away from our houses, we should get terrible diseases in our towns.

    In fact, when we say that all of us must be educated to fit us for life, it means that we must be educated in such a way that, firstly, each of us can do whatever work suited to his brains and ability and, secondly, that we can realize that all jobs are necessary to society, and that is very bad to be ashamed of one's work. Only such a type of education can be considered valuable to society.

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    A new web standard is expected to kill passwords, meaning users will no longer have to remember difficult logins(登录) for each and every website or service they use.

    The Web Authentication (WebAuthn网络认证) standard is designed to replace the password with tools that users already own, such as a security key, a smart phone, a fingerprint scanner or webcam. Instead of having to remember long characters, users can authenticate their login with their body or something they have, communicating directly with the website through Bluetooth, USB or NFC.

    "WebAuthn will change the way that people access the Web," said Jeff Jaffe, CEO of the World Wide Web Consortium (W3C), the body that controls web standards. One example of how WebAuthn will work is that when a user visits a site, they put in a user name and then get a message on their smart phone. Tapping on the message on their phone then logs them into the website without the need for a password.

    WebAuthn promises to protect users against phishing attacks(钓鱼攻击) and the use of stolen information as there will be nothing to steal, the authentication sign is produced and used once by their special tool each time the user enters.

    "After years of increasingly serious data and password being stolen, now it is the time for service providers to end their dependency on easily-attacked passwords and use phishing-resistant FIDO Authentication(快速身份认证联盟) for all websites and apps," said Brett McDowell, CEO of the FIDO Alliance, one of the bodies pushing the new standard.

    WebAuthn should also help people use special login details for each and every service they use, instead of using the same login and password for every site, which many people still do, leaving them further attacked if one site is hacked(黑客攻击).

    The W3C has moved WebAuthn to what's called the "candidate recommendation" stage – the last-but-one step before it becomes an approved web standard – inviting sites and services to begin using it. The web standards body announced that Google, Microsoft and Mozilla had been devoted to supporting WebAuthn, meaning that all major web explorers except Apple's Safari will use the new standard.

    "While there are many web security problems and we can't fix them all, relying on passwords is one of the weakest links. With WebAuthn's solutions we are removing this weak link," said Jaffe.

    Several sites and services already use similar methods to enter, including Google and Facebook, which can both be entered using a USB security key. But a single cross-platform, cross-service standard approved by the W3C will mean that many more sites and services will be able to kill the password as the login method.

    WebAuthn is the top of many years of work and the change will not happen overnight. But as it increasingly seems unavoidably that our email or other online services will get hacked into, removing the password is an important step in improving online security and making using sites and services easier.

The Ig Nobel awards are usually known as the "Igs" and are given out every year at around the same time as the real Nobel awards. The "Igs" are given for achievements that "make people laugh, and then make them think". The name "Ig Nobel" is a language joke. "Nobel" sounds like "noble" -- meaning "very honored". And Ig Nobel sounds like "ignoble" meaning the opposite of noble — that is, "not honored"

    According to Marc Abrahars, who co-founded the award in 1991, "Most prizes, such as Nobel Prize, reward the goodness of the people who receive them. These prizes are meant to honor the extremes of humanity-those whose achievements should be seen as very good."

    "The Ig Nobel Prize isn't like that. The Ig honors the great confusion in which most of us exist much of the time. Life is confusing. Good and bad get all mixed up. If you win an Ig, it shows that you have done something. What that thing is may be hard to explain. But the fact is, you did it, and have been recognized for doing it."

    The Nobel science prizes encourage us to think that all over the world great discoveries are being made that will do good to the whole world. But real science is not like that. The main job of science is to find out what is not true. This leads people into areas of research that seem completely senseless. Why did a team of Japanese scientists spend months trying to teach birds to enjoy the paintings of Picasso? Why did a Norwegian biologist start a project to encourage insects to drink beer? It is hard to say. But it won them all an Ig.

    Sometimes science tells us things that we don't want or need to know. We don't want to know that falling in love and going mad are exactly the same as far as the brain is concerned. And we don't really need to know that worrying about money can cause tooth disease. Only the Ig award brought these great achievements to our attention.

Isatou Ceesay was born in 1972 in a small village in Gambia, Africa. As a teenager, Ceesay was forced to drop out of school because of poverty. She carried some goods with many girls like her to sell in the market to raise herself At that time, the plastic bags, being strong and light, became popular in Gambia. The problem was that people did not reuse the bags and simply threw them behind their homes. Over time, the houses were surrounded by trash.

Ceesay lived in such an environment for many years. She kept learning from the surrounding environment and planned to take action to change. In 1997, she started a recycling movement called One Plastic Bag in Gambia. She educated women in Gambia to recycle plastic waste into income for themselves. In the beginning, the movement had a mission to educate their village colleagues about the need to reuse garbage and recycle plastic waste, rather than letting the garbage increase behind their homes.

Over time, the movement became big and able to support and provide income for women around. It was also able to greatly reduce plastic waste in Gambia. But the work of collecting trash turned to be taxing. During the rainy season, plastic waste became wet and difficult to take, and after that it still took patience to dry it before it could be processed.

Ceesay said, "As a habit, people are used to pouring their garbage behind their houses, and because it is not visible, they forget it. But the bad effects again knock on your door very quickly — dirty air, various diseases and so on. Of course, if one man's house is clean but his neighbor's is not, then the man is also not healthy."

For 17 years, Ceesay has contributed to one of the most important problems about the plastic waste. In 2012, she got the TIAW Difference Maker Award in Washington, DC, United States. Her story was written into a book, which inspires many others to join or become makers of change in their own communities.