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.

    1990 was an important year in world events. In February, Nelson Mandela was set free after 27 years in prison. In October, East and West Germany became one country again. Then at the end of 1990, the World Wide Web was born. For this final event we have one man to thank. Tim Berners-Lee, the father of the Web.

    Berners-Lee was born on June 8, 1955 in London, England. His parents, both computer designers, encouraged him to think and work creatively as he grew up. He was an excellent student and naturally took an interest in computers and science.

    After graduating from Oxford University, Tim went to work at a science research centre in Switzerland. There he developed some of the different systems（系统）that would later become the Web. The first was HTML, the computer language used to make web pages. The second was an address system that let computers anywhere find each other and send and receive information. In 1990 he put them together to make the first Internet browser（浏览器）.

    Tim knew that the more people used the Web, the more useful it would be. He wasn't interested in money but knowledge, so he gave out his invention for free to anyone who was interested. Many were interested an the growth of the Internet began.

    Today Tim works as a professor at the MIT in America, studying new ways to use the Web. He has received many awards from governments and organizations for his efforts. He is still not very interested in money. That is why he is so liked by his students and workmates. It may also be one of the reasons that few people outside the world of technology know his name.

    Seventy-three-year-old George McNeilon selected his food in Value Mart very carefully. After leaving the cashier, he estimated (估计) that he had saved 80 cents and thought that he had got good value for his money again.

    At the exit, the chilly wind reminded him of his gloves. "Now where are they?" He searched here and there, but nowhere could he find them. He was sure he was wearing them when he entered the store. The worried man made a second search in all his pockets, again including the grocery bag. He was sure they must have been dropped somewhere inside the store.

    George bought the gloves at a 25% discount, for just $30, ten years ago. They were genuine lambskin (小羊皮), soft, warm and durable. Until then, he had worn cheaper man-made material that lasted no more than three years. His impulsive decision to buy the expensive gloves turned out to be a good one, which even promoted his social status on the bus, as passengers stared at him enviously for six months out of the year. He enjoyed being envied.

    Bad luck, George thought, to lose his expensive gloves on New Year's Eve. He reentered the store and followed the same route he had walked before. But several minutes of anxious search turned out to be in vain. "Society has changed. People have changed …" he murmured to himself. "Years ago, if people picked up something lost, they would give it back."

    Back home, George was at a loss. In deep winter, he could not do anything without a pair of gloves. If he bought cheap ones, he would have to replace them very soon. If he bought new leather ones, they would cost forty dollars.

    After the holiday, poor George decided to buy another pair of leather gloves. Before boarding the subway, he stepped into Value Mart again to see if by any chance his gloves had been returned to the lost and found office.

    "What color are they?" the woman in the office asked.

    "Black," he answered.

    She looked into her drawer and drew out a pair of men's leather gloves.

    "Are they?"

    "Yes! Those are mine!"

    What makes a gift special？Is it the price you see on the gift receipt？Or is it the look on the recipient's face when they receive it that determines the true value? What gift is worth the most?

    This Christmas I was debating what to give my father. My dad is a hard person to buy for because he never wants anything. I pulled out my phone to read a text message from my mom saying that we were leaving for Christmas shopping for him when I came across a message on my phone that I had locked. The message was from my father. My eyes fell on a photo of a flower taken in Wyoming, and underneath a poem by William Blake. The flower, a lone dandelion standing against the bright blue sky, inspired me. My dad had been reciting those words to me since I was a kid. That may even be the reason why I love writing. I decided that those words would be my gift to my father.

    I called back. I told my mom to go without me and that I already created my gift. I sent the photo of the cream-colored flower to my computer and typed the poem on top of it. As I was arranging the details another poem came to mind. The poem was written by Edgar Allan Poe； my dad recited it as much as he did the other. I typed that out as well and searched online for a background to the words of it. The poem was focused around dreaming, and after searching I found the perfect picture. The image was painted with blues and greens and purples, twisting together to create the theme and wonder of a dream. As I watched both poems passing through the printer, the white paper coloring with words that shaped my childhood. I felt that this was a gift that my father would truly appreciate.

    Christmas soon arrived. The minute I saw the look on my dad's face as he unwrapped those swirling black letters carefully placed in a cheap frame, I knew I had given the perfect gift.

    This past summer I went on a journey to Canada's Arctic with Students On Ice. When I left Calgary I wondered what I would find what I would learn and who I would meet. On the trip to Ottawa I was wrapped in a blanket of uncertainty and excitement. But when I first met the group of students, scientists and leaders, I knew that l didn't have anything to worry about. The group was amazingly receptive and I was soon part of a big family setting out on an amazing adventure—an adventure of a lifetime!

    When we reached the Arctic I saw a vast Land that appeared untouched and original. I was surprised by its great size and beauty and my senses were repeatedly shocked and amazed. I stood on the Kapitan Khlebnikov and saw twelve polar bears. They walked in search of seal holes, and patiently waited for a meal. I learned that polar bears are successful only one out of every twenty hunting attempts.

    However, I learned that the Arctic and its people are being threatened by pollution and global warming. I learned that pollutants are carried by ocean and air and have a bad effect on all Arctic people. I learned that global warming has put polar bears at risk because a warmer climate means that they have a shorter time to hunt seals on the ice.

    The trip was a feast (盛宴) for the senses. I have learned more about our environment, and particularly how alive and interesting the Arctic is and why it is so important to take care of it. I learned pollution, ignorance of individual and global problems need to be solved. The Arctic deserves to be preserved. My trip with Students On Ice has made me more determined to try to ensure that I do not leave harmful footprints on either Earth or its people.

What a Messy Desk Says About You

    For some time, psychologists have been studying how personality traits affect health and health-related choices. Not surprisingly, they have found that people blessed with innate conscientiousness, meaning that they are organized and predictable, typically eat better and live longer than people who are disorderly. They also tend to have immaculate offices.

    What has been less clear is whether neat environments can produce good habits even in those who aren't necessarily innately conscientious. To find out, researchers at the University of Minnesota conducted a series of experiments. In the first experiment, they randomly assigned a group of college-age students to spend time in two office spaces, one of which was very neat, the other wildly cluttered (乱堆) with papers and other work-related stuff. The students spent their time filling out questionnaires unrelated to the study. After 10 minutes, they were told they could leave with an apple or a chocolate bar. Those students who sat in the orderly office were twice as likely to choose the apple as those who sat among the mess.

    A second experiment, however, found that working in chaos has its advantages, too. In this one, college students were placed in a messy or a neat office and asked to dream up new uses for Ping-Pong balls. Those in messy spaces generated ideas that were significantly more creative, according to two independent judges, than those in offices where stacks of papers and other objects were neatly arranged.

    The results were something of a surprise, says Dr. Vohs, the leader of the study. Few previous studies found much virtue in disorder. The broken window theory, proposed decades ago, holds that even slight disorder and neglect can encourage indifference and poor discipline.

    But in the study by Dr. Vohs, disordered offices encouraged originality and a search for novelty. In the final portion of the study, adults were given the choice of adding a health "boost" to their lunchtime smoothie that was labeled either "new" or "classic." The volunteers in the messy space were far more likely to choose the new one; those in the tidy office generally chose the classic version. "Disorderly environments seem to inspire breaking free of tradition," Dr. Vohs and her co-authors conclude in the study, "which can produce fresh insights."

    The implications of these findings are also practical. "My advice would be, if you need to think outside the box for a future project", Dr. Vohs says, "then let the clutter rise and free your imagination. But if your primary goal is to eat well or to go to the gym, pick up around your office first. By doing this, the naturally messy can acquire some of the discipline of the conscientious."