1 . You may not have heard of Ashoka,   but for the past 27 years,this association, founded by Bill Drayton, has fought   poverty (贫穷)and sickness, promoted education and   encouraged small businesses. To support these worthy causes, Ashoka provides money for the world's most   promising "changemakers" seeking to solve (解决) urgent problems and would like to create a   world in which every citizen is a changemaker.

Drayton believes that anyone can become an agent for change. The important thing is to simply give yourself permission. If you see a problem that you care about, you can help solve it. The young in particular are willing to accept this concept because at heart every child wants to grow into a happy, healthy,   contributing adult. In fact ,It is many young people's ambition to set up programmes or businesses that improve social conditions. An excellent example is an Ashoka project started in 1995 in Dhaka, which handled the rubbish problem facing the city ,helped local farmers and provided an income for poor people there .

When Masqsood and Iftekhar began to study the problem of all the uncollected rubbish that lay in Dhaka’s streets. Attracting tats and disease , they discovered that 80% of it was natural waste . So they educated the poor people in the city to compost (把……制成堆粪)this waste . They knew that they would have a market for the end product because local farmers were struggling with chemical ferntilisers (化肥) which were expensive and had reduced the natural minerals in the soil over the years . At first , they were refused ,but once they were able to persuade that there was money to be made , the project took off. In 2009 sales were $14,000.

Drayton is optimistic that in ten years Ashoka will be making really serious, practical progress in bringing about social change by changing the way we look at economic development.

1. Which of the following could be the best title for the passage?

A．changemakers	B．Businessmen
C．Social Conditions	D．Rubbish Problem

2. The underlined word "they" in Paragraph 3 probably refers to"       "

A．the local farmers	B．Masqsood and Iftekhar
C．Drayton and his team	D．the poor people in Dhaka

3. It can be concluded from the passage that anyone can become a changemaker if he      .

A．considers Drayton's concept

B．gets permission from Ashoka

C．tries to improve social conditions

D．is a young, happy and healthy adult

4. The authors attitude towards Ashoka's program can be described as        

A．changing

B．forgiving

C．cautious

D．Positive

2 . Banks view online banking as a powerful “value-added” tool to attract and 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(挑战)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 commonplace 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 (确认)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.

1. The word “eliminate” in the first paragraph probably means “         ”.

A．keep

B．remove

C．reduce

D．improve

2. What is the challenge for the banking industry according to the text ?

A．To make online banking attractive.	B．To open new services all over the world.
C．To offer online banking for free.	D．To take care of business 24 hours a day.

3. From the text we can conclude that           .

A．“brick-to-click” banks are in fact another kind of physical banks

B．the function of a “brick-to-click” bank is as common as that of an ATM

C．a “brick-to-mortar” bank is no better than a virtual one

D．customers can deal with their banking by a mouse click

4. What would be the best title for this text ?

A．Banking of Various Forms	B．Improvement of Banking Industry
C．Development of Online Banking	D．Functions of the “Brick-to-Click” Bank