One act of kindness is leading to another. And as kindness     1     (pass) to another, new friendships are forming and existing ones are strengthening.

My elderly neighbor called my daughter and me     2     (pick) fruits from her tree as the fruits were high and it was required to step on a huge ladder to get them. After an hour spent     3     (chat) and picking the fruits, she treated us to a glass of fruit juice.     4     addition, she gave us plenty of fruits to hand out to     5     (we) friends.

I then gave them to three other senior friends of mine. One of them gave me a hot tomato soup. I tasted it. It was so delicious     6     I couldn't help asking her about it. She told me that her mom and grandma were both top     7     (cook) and she learned it from them when she was helping them in her youth.

This was     8     (total) unexpected and interesting to know. Besides, she invited me again and agreed that we would prepare the dish together,     9     was the best part of all. I feel very     10     (thank) for these friendships and connections. Kindness and friendship always go hand in hand.

With the development of the Internet, electronic payment     1    ( become) more popular to pay bills so far.     2    (actual),the probability of paying bills electronically is decreasing with age and increasing with education, and     3    seems that women tend to use electronic payment at a     4    ( high) rate than men. In addition, some consumers may respond negatively to fees when they     5    ( charge ) by banks for electronic deals,     6    may keep some consumers away from electronic payment and let them turn to signature payment. Moreover, consumers, use of electronic payment will vary with financial conditions and expectations of the future. For example, if they have negative expectations of their future financial conditions, consumers are more likely     7    ( pay)electronically.

On     8    whole, businesses which offer electronic payment     9    ( serve) can not only improve customer service, but also cut costs, reduce late payments and provide a greener business solution     10    consumers, improving the company’s competitive advantage.