18. A) They don’t have enough service windows. B) Their business hours are limited.,, C) Their safety measures are inadequate. D) Their banking procedures are complicated.（B） 19. A) People who have computers at home. B) Young people who are fond of modern technology. C) Young people who are wealthy and well-educated. D) People who are in the habit of switching from one bank to another.（C） 20. A) To provide services for distant clients. B) To compete for customers. C) To reduce the size of their staff. D) To expand their operations at a lower cost.（B）