银行业面临的挑战在于如何使客户乐意学习使用并信任这种新型的服务渠道。多数大银行现已能够提供完全可靠的、功能齐全的网上银行业务，不收取或只收取少许费用。随着越来越多的银行网上业务的成功，以及越来越多的客户登陆它们的网站，功能齐全的网上银行业务很可能变得像自动柜员机一样普及。

B汉译英/B

不以物喜，不以己悲

cultural heritage

全面二孩政策

Joe is not good in sports, but when it comes______arithmetic he's the best.

promote nuclear non-proliferation

陕西榆林红石峡 “来我们榆林，第一要看镇北台，第二要看红石峡。那红石峡都出了名了，专有摄制组上这儿拍电影哩!”在前往榆林的长途汽车上，两个当地人这么跟我们说。 既然如此，当然要去。不过，对当地人的“老王卖瓜”也做了一些思想准备。 却不料，红石峡果真是个了不得的去处!它竟然是陕西省内最大一处摩崖石窟群。但见峡谷两侧赭红色的岩壁上惊人地布满大大小小的石刻和洞窟，一条湍急的清流则在谷底刷刷地流淌。静静往那儿一站，立刻就被中华大地那千古的历史、文化以及大自然的熏风吹醉了!

大力推动自主创新。中央财政用于科技的投入五年累计8 729亿元，年均增长超过18％。全社会研究与试验发展经费支出占国内生产总值的比重由2007年的1．4％提高到2012年的1．97％，企业研发活动支出占比超过74％。出台深化科技体制改革加快国家创新体系建设的意见。深入实施国家技术创新工程和知识创新工程，扎实推进国家科技重大专项，新建一批国家工程中心、重点实验室和企业技术中心。加强基础研究和前沿探索，突破一批关键核心技术，填补了多项重大产品和装备的空白。 深入实施人才强国战略。以高层次、高技能人才为重点，加强各类人才队伍建设，专业技术人才、高技能人才分别增加860万人和880万人，留学回国人员达到54万人。 大力加强文化建设。覆盖城乡的公共文化设施网络体系初步建成，博物馆、图书馆、文化馆(站)实现免费开放。国有经营性文化单位转企改制任务基本完成，公益性文化事业单位内部机制改革不断深化。哲学社会科学、新闻出版、广播影视、文学艺术等更加繁荣，文化产业快速发展。文物保护、非物质文化遗产保护和传承取得重要进展。对外文化交流更加活跃。全民健身和竞技体育取得新成绩。

We can achieve knowledge either actively or passively. We achieve it actively by direct experience , by testing and proving an idea, or by reasoning. We achieve knowledge passively—by being told by someone else. Most of the learning that takes place in the classroom and the kind that happens when we watch TV or read newspapers or magazines is passive, conditioned as we are to passive learning, it is not surprising that we depend on it in our everyday communication with friends and co-workers. Unfortunately, passive learning has a serious problem, It makes us tend to accept what we are told even when it is little more than hearsay and rumor. Did you ever play the game Rumor? It begins when one person writes down a message but doesn" t show it to anyone. Then the person whispers it, word for word, to another person. That person , in turn, whispers it to still another and so on, through all the people playing the game. The last person writes down the message word for word as he or she hears it. Then the two written statements are compared. Typically, the original message has changed. That" s what happens in daily life. The simple fact that people repeat a story in their own words changes the story. Then, too, most people listen imperfectly. And many enjoy adding their own creative touch to a story, trying to improve on it, stamping it with their own personal style. Yet those who hear it think they know. This process is also found among scholars and authors; A statement of opinion by one writer may be restated as a fact by another, who may in turn be quoted by yet another; and this process may continue, unless it occurs to someone to question the facts on which the original writer based his opinion or to challenge his interpretation he placed upon those facts.

webmercial

对不起，我迟到了。我刚才在参加一个会议。

G20

lottery industry

天人合一

B英译汉/B

忧患意识

Naturalness

host city

tax evasion