1 . History has not yet _______ what we will definitively call the postmillennial cohort (2000年后出生的人) that now _______ more than 60 million people in the U.S. These kids and _______ with no concept of life _______ the Internet have so far been called the App Generation and Generation Z. They’ve been referred to as Homelanders, having grown up under the ghost of terorism. They’ve also been _______ the Plurals, for their historic diversity, as well as the Founders, at least by MTV.

Whatever we _______ naming them, marketers and academies are turning their attention to this group, which has billions in _______ and is already shaping the culture. This generation is growing up “totally and utterly connected,” says California State University psychologist Larry Rosen. Experts like Rosen have concerns about these kids’ Google-inspired expectations that everything be _______. They worry about their inability to _______ even five seconds of boredom. And they worry about the demands that come with ________ several identities online, from Facebook to Twitter to Snapchat. “There’s so much pressure on young people, who are still ________ their identities, to present this crystallized, idealized identity online,” says the University of Washington’s Katie Davis.

Historian Neil Howe sees ________ with the Silent Generation, the spoilt, risk-avoiding, “nice” generation of kids who grew up during the Great Depression and World War II, although some marked differences are found. Today’s youths are also coming of age among geopolitical trouble and fears about the economy, he says, ________ schools emphasize an intense far-reaching sensitivity to other kids. He suspects this ________ will be known for being well behaved and perhaps boring the culture by playing it safe. “There are typical examples that occur repeatedly,” Howe says, “even if they go by different ________.”

2 . Artificial intelligence (AI) has amazing potential to change the world, and we’ve only just begun to scratch the surface. As AI matures and people move further away from distinct programming and monitoring of systems, unidentified bias (偏见) might make decisions continue for a long time that cause _______ harm for individuals and society. This bias might _______ input data or even the algorithms (算法) themselves.

All too often, data sets are incomplete and the sample represented in the data set does not _______ the population that the AI model is making predictions about — this is known as coverage bias. Some other types of bias related to input data include sampling bias, where data is not collected randomly from the target group, and participation bias, where users from certain groups _______ surveys at different rates than users from other groups. Still, another more challenging bias to identify is confirmation bias that occurs when a decision maker or analyst has a strong _______ belief or experience that affects their ability to consider alternatives. This could lead one to more strongly _______ data that confirms a preexisting belief.

Bias resulting from AI algorithms themselves, or algorithmic bias, is equally _______. One example of algorithmic bias is implicit bias or unconscious bias, where data scientists _______ make associations or assumptions based on their mental models and memories that affect data modeling decisions. Implicit bias can _______ how data is collected and classified, or how systems are designed and developed. As machines learn, their conclusions and decisions affect people. Ethical (道德的) AI must understand these impacts and create governance and testing methods to ________ mistakes and inaccuracies.

To create ethical AI, companies need to put the ________ of the individual at the center of data innovation. This means thinking about ________ rights as human rights and developing a comprehensive approach to data, including how we use AI.

Having ________ data practices for AI means having good AI governance. This governance not only focuses on data and analytics but also understands the impacts of any given analysis and makes sure it’s ________ and accurate. Good AI governance includes data responsibility as well as a commitment to transparency (透明性).

None of this will be easy, but true innovation never is. By coming together and working on the problem of bias now, before it becomes a(n) ________ force, businesses can help bring out the best AI has to offer the world.

3 . Looking on the Bright Side with Moon Worship

According to Cheshire psychic Claire Stone, a growing number of women are looking to the moon to increase their health, power and wealth. Daily Mail reporter Samantha Brick recently ______ a full moon ceremony hosted by Ms. Stone in a field near Hale. She joined a group of females dressed in white as they stood in a circle holding hands.

“There is drumming and chanting,” wrote Ms. Brick, “then ______ as each woman engraves her hopes and ambitions for the coming month on a white or silver candle.” They were told to ______ what they wanted to attract into their lives. “We ‘see’ it coming true in our minds,” said Ms. Stone. “The ______ is amplified by the energy of the moon and those in the circle.”

Ms. Stone said that wishing on the moon helped her move into her ______ home, a £l.4 million farmhouse, which she shares with her husband and two daughters.

Ms. Stone was initially attracted to complementary sources of ______ as a teenager suffering from anxiety. “I started looking for something to help make me happier,” she said. “I first joined a couple of local groups where women would ______ once a month on the full moon when I was in my 20s. It seemed like a natural and ______ thing to do.” The paper commented: “Claire, who drives a black Mercedes GLE coupe, was so ______ by her early experiences of moon circles that she decided to hold her own monthly ceremonies outside her home.

They have been a(n) ______ success: at various times more than 3,000 women have come along. Her circles —priced at £22.00 for a two-hour session—______ for up to 100 women at a time online, and 50 at a time in person. Several famous and powerful women have announced their interest in moon worship. Friends actor Jennifer Aniston is said to ______ moon circles where women sit and share their experiences and dreams. Lady Carole Bamford, described in the press as a “billionaire eco entrepreneur” explains on her website. “Our bodies are made up of 70 per cent water, so it’s no wonder that the moon, which controls the ______, has the power to affect us all in different ways as well.”

The report ended with veterinary nurse Victoria Twist, who ______ the moon for her return to full health after spinal surgery. Ms. Twist is also convinced that ______ attending moon circles, she was also able to manifest her dream home.

5 . Word on the street is that gossip is the worst. An Ann Landers（安·兰德斯, 知名专栏作家）advice column once characterized it as "the faceless demon that breaks ________and ruins careers" The Talmud（describes it as "three-pronged tongue" that kills three people: the teller, the ________, and the person being gossiped about. And Blaise Pascal observed, not unreasonably, that if "people really knew what others said about them, there would not be four friends left in the world."________as these indictments（控告）seem, however, a significant body of research suggests that gossip may in fact be healthy.

It's a good thing, too, since gossip is pretty common. Children tend to be seasoned gossips by the age of 5, and gossip as most researchers understand it--talk between at least two people about ________ others-accounts for about two-thirds of conversation.

Despite dodgy（躲闪）reputation, surprisingly ________share of it--as little as 3 to 4percent-is actually malicious（蓄意的）. And even that portion can bring people together. Researchers at the University of Texas and the University of Oklahoma found that if two people share negative feelings about a third person, they are likely to feel closer to each other than they would if they both felt ________about him or her.

Gossip may even make us better people. A team of Dutch researchers reported that hearing gossip about others made research subjects more ________positive gossip inspired self-improvement efforts, and negative gossip made people prouder of themselves. In another study, the worse participants felt upon hearing a piece of negative gossip, the more likely they were to say they had learnt a ________from it. Negative gossip can also have a prosocial（亲社会的）effect on those who are gossip about. Researchers at Stanford and UC Berkeley found that once people were ostracized（排斥）from a ground due to reputed selfishness, they reformed their ways in an attempt to regain the ________ of the people they had alienated.

By far the most positive assessment of gossip, though, comes from the anthropologist and evolutionary psychologist Robin Dunbar. Once upon a time, in Dunbar's account, our primate ancestors ________ through grooming（梳毛）, their mutual back-scratching ensuring mutual self-defense in the event of attack by predators. But as hominids（原始人类）grew more intelligent and more social, their groups became too ________ to unite by grooming alone. That's where ________and gossip, broadly defined-stepped in. Dubar argues that idle chatter with and about others gave early humans sense of shared identity and helped them grow ________ of their environment, thus cultivating the complex higher functioning that would ________ yield such glories of civilization as the Talmud, Pascal, and Ann Landers.

So next time you're tempted to gossip, fear not-you may actually be promoting cooperation, boosting others self-esteem, and ________ essential task of the human family. That`s what I heard, anyway.

6 . A Mountain But not a Volcano

On September 20th the Bank of International Settlements (BIS), the central banks' central bank, released data showing that corporate borrowing around the world remains at an all time high. A notable ______ is in China, where there is even more business borrowing as a share of GDP than in Japan at the peak of its bubble-related borrowing fever in the 1990s. But it is high everywhere. Corporate ______ in the rich world stood at 102% of GDP at the end of March, compared with 92% before the outbreak of the covid-19 pandemic. Could high levels of debt ______ the recovery in advanced economies?

Many regulators were sounding the ______ about elevated company debt even before the covid19 pandemic. Since then, the hit to firm's incomes has led to a wave of rating downgrades: between March 2020 and March 2021, Fitch, a ratings agency, ______ 460 firms, or almost 20% of its corporate portfolio. While defanlts (违约) have eased this year as economies have recovered, many firms will be ______ by higher levels of debt for years to come. Even if interest rates remain ______, this "debt overhand" could affect their willingness to invest or to hire new staff.

Intriguingly, however, aftereffects from corporate debt booms rarely cause significant economic damage, even if ______ themselves suffer when firms default. A recent paper by Moritz Schularick, of the University of Bonn, and several co-authors, examines data on business cycles for 17 advanced countries over more than a century, and compares corporate debt bursts with those associated with ______ borrowing (like the 200809 financial crisis).

The authors argue that lenders often have a/an ______ to restructure old corporate loans, reducing the risk of "zombie" companies persisting, and freeing up finance to support the next recovery. For household debt, however, restructuring thousands of ______ loans is often impossible, and lenders may be more inclined to keep the loans on their books in the hope that house prices eventually ______. The risks to the economy are higher after commercial property bursts than for corporate debt where lenders mainly have their eyes on firm's cash flows. This is one reason why the property-related debt depression in China are potentially disturbing.

In much of the rich world, there are reasons to be ______ optimistic. The largest lenders are in much better health than in 2008. All of the major ______ authorities, carried out stress tests during 2020, using macroeconomic scenarios much more severe than have actually came out, but their banking systems were able to absorb large corporate losses and carry on lending. And the parts of the economy that have had the toughest time during the pandemic only account for a relatively small share of corporate debt. For example, the BIS projects that ______ will increase in the hospitality industry (酒店餐饮业) over the coming years, but they note that the sector only accounts for between 1.5% and 8% of corporate credit in the nine major economies they model.

There will be a mountain of corporate debt in many countries for some time. But that dos not mean the recovery will necessarily falter (衰退).

7 . Is loyalty in the workplace dead?

Just recently, Lynda Gratton, a workplace expert, proclaimed that it was. In The Financial Times, she said that it had been “killed off through _________ contracts, outsourcing, automation and multiple careers.”

It’s sad if this good virtue is now out of place in the business world. But the situation may be more _________. Depending on how you _________ it, loyalty may not be dead, but is just playing out differently.

Fifty years ago, an employee could stay at the same company for decades, said Tammy Erickson, an author and work-force consultant. Many were _________ longtime employment along with health care and a pension.

Now many companies cannot or will not hold up their end of the bargain, so why should the employees hold up theirs? Given the opportunity, they’ll take their skills and their portable retirement accounts elsewhere. These days, Ms. Gratton writes, _________ is more important than loyalty: “Loyalty is about the future - trust is about the present.”

Ms. Erickson says that the quid pro quo (交换物，报酬) of modern employment is more likely to be: As long as I work for you, I promise to have the relevant skills and _________ fully in my work; in return you’ll pay me _________, but I don’t expect you to care for me when I’m 110.

For some baby boomers, this _________ has been hard to accept. Many started their careers _________ that they would be rewarded based on tenure (任职).

A longtime employee who is also productive and motivated is of enormous value, said Cathy Benko, chief talent officer at Deloitte. On the other hand, she said, “You can be with a company a long time and not be highly committed.”

Ms. Benko has seen her company shift its ____________ to employees’ level of engagement - or “the level at which people are motivated to deliver their best work” - rather than length of tenure.

Then there are the effects of the recent recession. Many people - if they haven’t been ____________- have stayed in jobs because they feel they have no choice. Employers may need to prepare for disruptions and turnover when the job market improves.

If the pendulum(摇摆不定的事态或局面) shifts, how will businesses persuade their best employees to stay? ____________ may do the trick, but not always. Especially with younger people, “you’re not going to buy extra loyalty with extra money,” Ms. Erickson said. ____________, employers need to make jobs more challenging and give workers more creative space, she said.

Loyalty may not be what it once was, but most companies will still be better off with at least a core of people who stay with them across decades.

If loyalty is seen as a ____________ to keep workers of all ages fulfilled, productive and involved, it can continue to be cultivated in the workplace - to the ____________ of both employer and employee.