China Merchants Bank Co Ltd has teamed up with ride-hailing major Didi Kuaidi to provide automobile financing and expand its reach in China's booming mobile payment industry.

    The two have inked a comprehensive partnership, which includes a strategic investment by the former in the latter. Under the partnership, CMB will become the first bricks-and-mortar bank that can offer in-app credit card payments to Didi users. At present, users of Didi can only choose third-party payment solutions like WeChat Payment and Alipay to pay cab fares.

    Zhao Ju, vice-president of CMB, said the cooperation with Didi was an important step in its mobile Internet finance strategy. “CMB's mobile payment is going to enter a new chapter by leveraging Didi Kuaidi's vast user base," he said.

    According to a report by China Internet Network Information Center earlier this month, Didi holds 87.2 percent of China's private car hailing market. The company said it has received 1.43 billion car-hailing requests on its platforms in 2015, which means 1.43 billion payments were made via smartphones.

    CMB is expected to use Didi to reach the core users of China's mobile payment market. Jean Liu, president of Didi, said many of the expats prefer payment by credit card rather than Alipay or WeChat. "The new partnership will help improve service quality and customer loyalty," she said. The investment makes CMB part of Didi's existing investors, including Tencent Holdings Ltd, Alibaba Group Holding Ltd and China Investment Corporation. Both of the companies declined to reveal the actual amount of the investment.

    Liu, who showed up on Tuesday for the first time in public after her treatment for breast cancer, said the cooperation with CMB is for the long run and "the capital investment is only part of it".

    Under the partnership, CMB and Didi will cooperate on a wide range of initiatives on financial services and online-to-offline cooperation. Apart from the in-app credit card payments, the two companies are going to launch joint credit cards in late February and automobile financing services for Didi's car owners. CMB's branches across China are expected to help Didi recruit more drivers.

    "There is a lot of room for imagination in our partnership," Li said, adding in future people may use their CMB credit card reward points to pay for the ride on Didi.

    Li Chao, an analyst with iResearch Consulting Group, said the partnership may not significantly boost CMB's mobile payment business. "Didi has educated the market for three years and its customers have formed the habit of paying by WeChat or Alipay. So I think CMB can only turn a very smart proportion of Didi users into its payment customer," he said. "But the move shows that China's traditional banking industry is finally thinking out of the box and looking for outside partners in Internet finance competition," he said.

    Statistics from Big-Data Research showed that more than 90 percent of China's 9.3 trillion yuan ($1.41 trillion) worth of third party mobile payment market is donated by Alibaba and Tencent.

    Feifei, an 11-year-old boy from Xuzhou, Jiangsu Province, suffered from a sudden acute eye disease which has almost led to blindness. The disease was caused by excessive(过度的)eye fatigue(疲劳)during the winter vacation, during which he played computer games for continuous 10 days and nights.

    Many youngsters in China nowadays are increasingly addicted to computer games and other electronic products. This is followed by a series of health problems, with the most typical case being myopia, or nearsightedness.

    According to the latest research report released by the World Health Organization (WHO), the myopia   rate among Chinese teenagers ranks first in the world—70 percent of high school and college students. The rate is nearly 40 percent in primary school students, while it is only 10 percent for their peers in the United States.

    There are at least 10 million people in China with severe myopia, and they are likely to get pathological(病理性的)myopia in middle age. Pathological myopia can't be treated with glasses or surgery, and it is one of the biggest factors that lead to blindness, Xu Xun, director of the ophthalmology(眼科学) department at Shanghai General Hospital, pointed out.

    Experts explain that two major factors lead to the high rate of myopia among Chinese people. One is high academic pressure, and the other one is excessive use of electronic devices over a long period of time. Genetics, on the other hand, are not the main reason, as only 20 percent of Chinese people had myopia in the 1960s.

    "Teenagers are now faced with severe academic pressure, which means they often study without natural light. This increases their risk of becoming nearsighted," Xu said.

    Experts suggest that youngsters maintain a proper balance between study and rest so as to protect their eyesight, and parents should play an active role in the process.

    Mariah, 35, was a single mother. She had four kids under the age 9, and was hardly keeping up payments on her small two-bedroom home by working extra weekend hours as a waitress. There were times when she lay in bed and cried. She didn't know how she could pay that bill. But she knew she must find a way to change her life.

    She knew how hard it was to mop(拖)the floor. “I was tired of bending down, putting my hands in dirty water and wringing (拧)out a mop,” Mariah says. “So, I got a better way.” How about a “self-wringing” mop? She designed a special tool. You could twist in two directions and still keep your hands clean and dry.

    She set out to sell her mops, but the mops didn't sell well at the market. Then Mariah met with the media. But would people buy a mop by reading an advertisement? They gave it a try, and it failed. Mariah was sure it would sell well if they let her do the on-camera show. “Get me on that stage, and I will sell this mop because it's a great thing,” said Mariah. So QVC let her have a try. “I got on the stage and the phones went crazy. We sold every mop in minutes.”

    Today Mariah is the president of Ingenious designs, a multimillion-dollar company, and one of the stars of HSN, the Home Shopping Network. Talking about her household inventions is as natural for her it is for parents to talk about their child.

    Today one of her favorite products is Huggable Hangers(衣架). The thin, space-saving tool are the most successful goods ever sold on HSN, with 100 million hanging out in closets across the country.

    I went online to check if my pay was in my bank account. To my amazement, I discovered that not only had I been paid, a company I'd never worked for had also paid me! I knew I'd have been beside myself if my own salary was not in my account, so I tried to get the money back to the right person. It is easier said than done.

    The bank couldn't help as it wasn't a bank problem. The human-resource department as the company that paid me was unable to help as I didn't have enough details. I rang the bank again. Thankfully I had sympathetic call operator who gave me a name, so I again rang the company "Daniel" worked for.

    I expected the bank would contact me to arrange to take the money from my account and repay Daniel. I heard nothing for a month and the money remained in my account when Daniel called, explaining he'd tried to get back his money but had been unsuccessful as neither the bank nor his company felt it was their error. He had rung to ask if I could speak to the bank, but after chatting for a few minutes we realized we could probably fix this problem ourselves.

    We decided I would take the money from my account and he would pick it up from me. Due to my busy job I was unable to meet Daniel personally but he left me a lovely bottle of wine in exchange for what was rightfully his. I never had any intention of keeping Daniel's pay, but red tape（繁琐手续）made it difficult to do the right thing. It all came down to two people being able to do what a huge bank and a large company couldn't do — admit a mistake has occurred and fix it.

    Here is a record of the discussion about AI (artificial intelligence) conducted by several scientists.

    Scientist A: I would say that we are quite a long way off developing the AI, though I do think it will happen within the next thirty or forty years. We will probably remain in control of technology and it will help us solve many of the world's problems. However, no one really knows what will happen if machines become more intelligent than humans. They may help us, ignore us or destroy us. I tend to believe AI will have a positive influence on our future lives, but whether that is true will be partly up to us.

    Scientists B: I have to admit that the potential consequences of creating something that can match or go beyond human intelligence frighten me. Even now, scientists are teaching computers how to learn on their own. At some point in the near future, their intelligence may well take off and develop at an ever-increasing speed. Human beings evolve biologically very slowly and we could be quickly substituted. In the short term, there is the danger that robots will take over millions of human jobs, creating a large underclass of unemployed people. This could mean large-scale poverty and social unrest. In the long term machines might decide the world would be better without humans.

    Scientists C: I'm a member of the campaign to Stop Killer Robots. Forget the movie image of a terrifying Terminator stamping on human skulls and think of what's happening right now: military machines like drones, gun turrets and sentry robots are already being used to kill with very little human input. The next step will be autonomous “murderbots” following orders but finally deciding who to kill on their own. It seems clear to me that this would be extremely dangerous for humans. We need to be very cautious indeed about what we ask machines to do.

Improve your reading, writing and math skills

    Through the Literacy and Basic Skills program, you will learn reading, writing, math and other basic skills (e. g. computer) to help you prepare for:

    ● employment

    ● college studies

    ● independence

    ● school credit

    These courses(课程) are free and available in English or French. There are courses designed for local people and Deaf people as well.

    Requirements(要求)

    To take these courses you have to:

    ● be an Ontario resident

    ● be 16 years old or older

    ● have reading, writing and math skills below the grade 12 level

    Learn in a classroom

    You can take these free classroom courses at more than 300 locations across the province.

    Find out more by contacting Employment Ontario.

    Learn online

    You can also learn online as one way of the Literacy and Basic Skills program.

    Four different organizations in Ontario offer free online courses tailored to you. Find out more about learning online:

    ● in French

    ● in English

    ● as a local person

    ● as a Deaf person