Problem: Given the question: Write a multi-choice question for the following article, with the given choices and answer: Article: Banks view online banking as a powerful "value-added" tool to attract and keep new customers while helping to _ costly paper handling or teller 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" 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 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 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 . Options: 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 . Answer: A To make online banking attractive . Question:
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What is the challenge for the banking industry according to the text ?

Problem: Given the question: Write a multi-choice question for the following article, with the given choices and answer: Article: Half of the world's population is affected by Asian monsoons , but monsoons are difficult to predict. American researchers have put together a 700-year record of the rainy seasons, which is expected to provide guidance for experts making weather predictions. Every year, damp air masses,known as monsoon,produce large amounts of rainfall in India, East Asia, Northern Australia and East Africa. All this wet air is pulled in by a high pressure area over the Indian Ocean and a low pressure area to the south. According to Edward Cook , a weather expert at Columbia University in New York., the complex nature of the climate systems across Asia makes monsoons hard to predict. In addition, climate records for the area are too recent and not detailed enough to be of much use. Therefore, he and a team of researchers spent more than fifteen years traveling across Asia, looking for trees old enough to provide long-term records. They measured the rings, or circles, inside thousands of ancient trees in more than 300 places. Rainfall has a direct link to the growth and width of rings on some kinds of trees. The researchers developed a document they are calling a Monsoon Asia Drought Atlas. It shows the effect of monsoons over seven centuries, beginning in the 1300s. Professor Cook says the tree-ring records show periods of wet and dry weather. "If the monsoon basically fails or is a very weak one, the trees affected by monsoons at that location might put on a very narrow ring. But if the monsoon is very strong, the trees affected by that monsoon might put on a wide ring for that year. So, the wide and narrow ring widths of the chronology that we developed in Asia provide us with a measure of monsoon variability." With all this information, researchers say they can begin to improve computer climate models for predicting the behavior of monsoons. "There has been widespread famine and starvation and human dying in the past in large droughts. And on the other hand, if the monsoon is particularly heavy, it can cause extensive... Options: A determine the regional climate. B have a great influence on the regional climate. C offer people information about the regional climate. D reflect all kinds of regional climate information. Answer: C offer people information about the regional climate. Question:
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According to Professor Cook, the rings of the trees _ .

Problem: Given the question: Write a multi-choice question for the following article, with the given choices and answer: Article: Happiness is a journey We always convince ourselves that life will be better after we get married, have a baby, than another. Then we are frustrated that the kids aren't old enough and we'll be more content when they are. After that we're frustrated that we have teenagers to deal with.36. _ . We always tell ourselves that our life will be complete when our spouse gets his or her act together. when we get a nice car, and are able to go on a nice vocation when we retire. 37. _ If not now, when? Our life will always be filled with challenges. It's best to admit this to ourselves and decide to be happy anyway. One of my favorite quotes comes from Alfred Souza. He said."for a long time it had seemed to me that life was about to begin, real life. But there was always some obstacle in the way, something to be gotten through first, some unfinished business, time still to be served, a debt to be paid.38. _ At last it dawned on me that these obstacles were my life." This perspective has helped me to see that there is no way to happiness. Happiness is the way. So treasure every moment that you have. 39. _ So stop waiting until you finish school, until you go back to school; until you get married, until you get divorced; until you have kids; until you retire; until you get a new car or home; until spring; until you are born again to decide that there is no better time than right now to be happy.... Options: A Looking back, we may think it's really an extraordinary journey. B The truth is, there's no better time than right now. C And remember that time waits for no one. D we will certainly be happy when they are out of that stage. E. The more you have a sense of belonging, the happier you will be. F. Happiness is a journey, not a destination. G. Then life would begin. Answer: D we will certainly be happy when they are out of that stage. E. The more you have a sense of belonging, the happier you will be. F. Happiness is a journey, not a destination. G. Then life would begin. Question:
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_ So, work like you don't need money, love like you've never been hurt, And dance like no one's watching.