(Q).
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 . Question: What is the challenge for the banking industry according to the text ? Yes or no, is the answer "To make online banking attractive ."?
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Yes

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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... Question: According to Professor Cook, the rings of the trees _ . Yes or no, is the answer "offer people information about the regional climate."?
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No

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Article: So far as I know, Miss Hamah was the first person to give the basic difference between work and labor. To be happy, a mall must feel,firstly, free and secondly, important. He cannot be really happy if he is forced by society to do what he does not enjoy doing,or if what he enjoys doing is lowly thought of by society as valueless or unimportant. In a society where slavery in the strict sense has been got rid of, the sign that what a man does is of social value is that he is paid moneyto do it,but a laborer today can be called a Wag e slave. A man is a laborer if the job that society offers him is not interesting to himself but he has to take it just owing to the necessity 0fearning aliving and supporting his family. The opposite side to labor is play. When we play a game,we enjoy what we are doing,otherwise we should not play it,but it is a purely private activity;and society could not care whether we play it or not. Between labor and play stands work. A man is a worker if he is personally interested in the job which society pays him to do;what from the point view of society is necessary labor is from his own point of view willing play. Whether a job is to be classified as labor or work depends,not on the job itself, but on the tastes of the individual who does it. The difference does not. For example,agree with the difference between a physical and a mental job;a gardener or a taxi driver may be a worker, a bank clerk is a laborer. , Which a man is can be seen from his attitude toward leisure(1 To a worker, leisure means simply the hours he needs to relax and rest in order to work efficiently. He is therefore more likely to take too little leisure than too much;workers die of heart attack and forget their wives'birthday. To the laborer, on the other hand,leisure means freedom from compulsion ,so that it is natural for him to imagine that the fewer hours he has to spend laboring,and the more hours he is free to play, the better. Question: Which of the following can be the best title of the text? Yes or no, is the answer "Work,Labor, and Play"?
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Yes