question: Li Mingyang only joined Alibaba's investment platform one month ago but he has already transferred almost all the cash in his bank account - nearly Rmb200,000 ($32,000) - to the online fund. He is far from alone . More than 30 million people in China have signed up to Yu'E Bao, or "Leftover Treasure", only six months since its launch.

Initially as the Chinese e-co mmerce group as a platform for its users to manage extra funds in their online payment accounts, Yu'E Bao is becoming something far more powerful: a straight-up substitute for traditional bank deposits ."There's no point in keeping money in the bank any more. This is just as reliable, more flexible and you can earn a lot more from it," Mr Li says.

A quick hit of the Yu'E Bao application on his phone shows the Shanghai-based editor has earned more interest on his account over the past day than 94 per cent of other local users ."This is fun, almost like a computer game," he says with a laugh.

For every Rmb12 that companies and individuals have deposited in Chinese banks since June, they placed roughly Rmb1 in their Yu'E Bao accounts, according to Financial Times calculations based on official data. While it remains tiny compared with total deposits in the Chinese banking system, this transfer of cash from banks to the Alibaba platform is only speeding up. In the process, it threatens to upend( ) the rules of China's state-protected financial department, break banks' profit model and shifting power to savers in a way that was scarcely imaginable at the start of this year.

Other Chinese tech companies are getting in on the act. Tencent, developer of the hugely popular

messaging app WeChat, is said to be designing a fund platform similar to Yu'E Bao. Baidu, the search engine company, began marketing investment products in October.

"Internet companies, with their ability to instantly reach millions of consumers, have already started to change the competitive dynamic in finance," says Ernan Cui, an analyst with GK Dragonomics, a

Beijing-based research firm.
1. What platform did Mungyang join?
2. How long ago?
3. How much has he already transferred?
4. How long ago did Leftover Treasure launch?
5. Yu'E Bao is a substitute for what?
6. What does Mr Li say is the main benefit?
7. He has earned more over the past day than what percent of local users?
8. What did Li compare it to?
9. For ever Rmb12 what amount was placed in their Bao accounts?
10. Who else is getting in on the act?
****
answer: 1. Alibaba's investment platform
2. one month
3. nearly Rmb200,000
4. six months
5. traditional bank deposits
6. more flexible and you can earn a lot more from it
7. 94
8. a computer game
9. Rmb1
10. Other Chinese tech companies

New Spain () was a colonial territory of the Spanish Empire in the New World north of the Isthmus of Panama. It was established following the Spanish conquest of the Aztec Empire in 1521, and following additional conquests, it was made a viceroyalty (Spanish: "virreinato") in 1535. The first of four viceroyalties Spain created in the Americas, it comprised Mexico, Central America, much of the Southwestern and Central United States, and Spanish Florida as well as the Philippines, Guam, Mariana and Caroline Islands.

After 1535 the colony was governed by the Viceroy of New Spain, an appointed minister of the King of Spain, who ruled as monarch over the colony from its capital, Mexico City. New Spain lost parts of its territory to other European powers and independence, but the core area remained under Spanish control until 1821, when it achieved independence as the Mexican Empire when the latter dissolved, it became modern Mexico and Central America.

New Spain developed highly regional divisions, reflecting the impact of climate, topography, the presence or absence of dense indigenous populations, and the presence or absence of mineral resources. The areas of central and southern Mexico had dense indigenous populations with complex social, political, and economic organization. The northern area of Mexico, a region of nomadic and semi-nomadic indigenous populations, was not generally conducive to dense settlements, but the discovery of silver in Zacatecas in the 1540s drew settlement there to exploit the mines. Silver mining not only became the engine of the economy of New Spain, but vastly enriched Spain and transformed the global economy. New Spain was the New World terminus of the Philippine trade, making the viceroyalty a vital link between Spain's New World empire and its Asian empire. What are the answers to this following set of questions: 1. Did the northern area of Mexico have a small population?
2. Did the Southern and central area of Mexico have a complex social and economic
3. Did the central and southern areas of Mexico have a small population?
4. Did the Northern area of Mexico have many cities and settlements?
5. What mineral was found there?
6. When?
7. Where specifically?
8. Who controlled New Spain beginning in 1521?
9. How many centuries did they retain control for?
10. Was the land in New Spain similar throughout the whole area?
11. What person appointed the Viceroy of New Spain in 1535?
12. Where did the Viceroy of New Spain rule from?
13. Was this the capital?
14. The region that became the Mexican empire in 1821, became what when it was later dissolved?
Answer: 1. yes
2. yes
3. no
4. no
5. silver
6. in the 1540s
7. Zacatecas
8. the Spanish
9. three
10. no
11. the King of Spain
12. Mexico City
13. yes
14. Mexico and Central America

input: Make use of the article to answer the questions. International Futures (IFs) is a global integrated assessment model designed to help in thinking strategically and systematically about key global systems (economic, demographic, education, health, environment, technology, domestic governance, infrastructure, agriculture, energy and environment) housed at the Frederick S. Pardee Center for International Futures. Initially created by Barry B. Hughes of the Josef Korbel School of International Studies at the University of Denver in Colorado, the model is free for public use in both its online and downloadable forms.

The Pardee Center for International Futures has partnered with many organizations to produce forecasts and data analysis. IFs has been utilized in the National Intelligence Council's "Global Trends 2020", "Global Trends 2025", and "Global Trends 2030" report. The International Futures model has also contributed to the United Nations "Human Development Report" and the "Global Environmental Outlook".

IFs is hosted free for public use by Google Public Data Explorer, the Atlantic Council, and the Institute for Security Studies.

The model incorporates dynamically linked sub-models. They include: population, economic, agricultural, educational, energy, socio-political, international political, environmental, health, infrastructure and technology. IFs is a unique modeling tool because it endogenizes the impact of such a wide range of global systems for 183 countries.

The help system that accompanies the software provides an extensive overview of the model structure and computer code used to write the model. IFs has three main functions, all connected to its conceptual treatment of integrated assessment forecasts: data analysis, scenario analysis, and display. 1. What does IFs stand for?
2. Who was it created by?
3. Where is it located?
4. Where did the creator study at?
5. What state is that in?
6. What does it do?
7. What has this research helped with?
8. What else?
9. What companies host for free?
10. Who else?
11. And?
12. What are some sub sections of the models?
13. And?
14. What is a main function of the IFs?
15. Second one?
16. And the last one?
numbered_answers:
1. International Futures
2. Barry B. Hughes
3. Frederick S. Pardee Center for International Futures
4. Josef Korbel School of International Studies at the University of Denver
5. Colorado
6. produce forecasts and data analysis
7. United Nations "Human Development Report"
8. "Global Environmental Outlook".
9. Google
10. the Atlantic Council
11. Institute for Security Studies.
12. population, economic, agricultural
13. educational, energy, socio-political, international political, environmental, health, infrastructure and technology.
14. data analysis
15. scenario analysis
16. display