英语听力教程4答案及原文

本页仅作为预览文档封面，使用时请删除本页-2pingandBankingOlinettingreadypshoppingmousefeetretailingstreetgetdown:third-party10:online11:30%12:malls13:Britain14:giftbuyingnet17:peroidrchantaddressesphonenumberscallupstricttshoppingunderfireAKeys:ydeliverychargespersonalinformationreturninggoods,47%5:order,35%,dispatch,87%6:money1:convenience2:choice3:obstacles4:completetrust5:buildconsummerstrustmaturepaymentserviceankingathomeAKeys:ursOnlinebankingservicesgettingcurrentinformationonproductsemailingquestionstothebankcompetingforcustomers6:havingnocomputersathomeoughtheInternetOnlinebankingoffersonveniencewhichappealstothekindofcustomerbankswanttokeepBanksmostwanttokeeppeoplewhoareyoungwell-educated,andhavegoodincomes.reaboutthetopicSecretofGoodCustomerServiceomerServiceHarrodsironmentSecondtononedifferentustomerstakealookateverythingalternativescometosalesistantsfirstcontactwiththecustomerAmericanGoodCustomerServiceSaks)lyoccasionsinlifeapartnershiprepeatesyouknowttingreadyC.nsumerswhowanttoshoponlinearesuggestedtobearthefollowingthingsinmindEvaluatethesiteAlwaysbuygoodsfromwell-known3tworthycompaniesDealwithcompanieswhichoffercustomerserviceacomplaintsprocedureandhavearefundtomerchant.E-mailandwaitforreponsesTakedowntheaddressesandphonenumbersofthosecompaniesandmakesuretheyarerealbycallingthemupbeforebuyinganyproductsandsecureconnection.SincebuyersmustsubmitpersonalinformationlikenumberandexpirydateofthecardtherearefearsoversecurityDealwithsitesthatapplystrictsafetymeasuresthatrequireshopperstogivespecificdataknownonlytocardholdersbeforemakingtheextracarefulatacybercafeorotherpublicconnection.tshoppingunderfireeisanurgentneedforecommercerulestoboostconfidenceinbuyingonlineConsumersInternationalafederationofconsumerorganizationsincludingtheUKsConsumersAssociationsaiditsveyshowedthattherewerestillobataclestoshoppingonlinewithcompletetrust.tudyfundedbytheEuropeanUnioninvolvedbuyingmorethanitemsfromcountriesEachconsumerorganizationtakingparttriedtofindonesiteinitsowncountryandoneabroadtobuyaselectionofitemsTheseincludedadictionaryadoll,jeans,ahairdryercomputersoftwareandhardwarechocolatesandchampagnefindingswereheitemsorderedtookmorethanamonthtoreachtheirdestinationandatleast11(eightpercent)neverarrived.ysitesdidnotgiveclearinformationaboutdeliverychargesOnlyofthesitespromisedthattheywouldnotsellcustomers'personalinformationontoathirdparty.Only53%ofthecompanieshadapolicyonreturninggoods.Onlyofthesitesprovidedconfirmationoftheorderandonly13%toldcustomerswhentheirgoodshadbeendispatched.thanfourmonthsafterreturningtheirgoods.SylvanvicepresidentofConsumersInternationalsaidThisstudyshowsthatalthoughbuyingitemsovertheInternetcanbenefittheconsumerbyofferingconvenienceandchoicetherearestillmanyobstaclesthatneedtobeovercomebeforeconsumerscanshopincyberspacewithcompletetrust."isPhilipsMarketingManagerataLondonbasedecommercesecuritycompanycommentedThisstudyconfirmsthedifficultiesofstablishingconsumerstrustintheInternetasashoppingexperienceWithstatisticsliketheseandVisaclaiming7%ofdisputesandfraudcaseswereInternetrelateditislittlewonderthatInternetcommerceisnotproducingtheprofitspredictedtwoorthreeyearsagoTrusttakestimetobuildandtheInternetwillnot4matureasaretailchanneluntiltrustedbrands,likethebanksforlestarttoofferwaysofsupportingtrustrelationshipswithguaranteespaymentandservice."opmentwillholdameetingtodiscussasetofinternationalguidelinesforelectroniccommerce.ankingathomeManypeopledislikewalkingtothebankstandinginlonglinesandredissatisfiedwiththeirbanksweekendsForsuchpeople,theirproblemsmaysoonbeover.Beforeownhome,anyhouroftheday,anydayoftheweek.anybanksarepreparingonlinebranchesorInternetofficeswhichmeansthatpeoplewillbeabletotakecareofmuchoftheirbankingbusinessthroughtheirhomecomputers.Thisprocessiscalledtoviewalltheiraccountsmovemoneybetweentheiraccounts,applyforaloanandgetcurrentinformationonproductssuchascreditcardsCustomerswillalsobeabletopaytheirbillselectronically,andevene-mailquestionstothebank.arecreatingonlineservicesforseveralreasonsOnereasonisthatbanksmustcompeteforcustomerswhowillswitchtoanotherbankiftheyaredissatisfiedwiththeservicetheyreceive.Theconvenienceofonlinebankingappealstothekindofcustomerbanksmostwanttokeeppeoplewhoareyoung,well-educated,andhavegoodincomesBanksalsowanttotakeadvantageofmoderntechnologyastheymoveintothetwenty-firstcentury.OnlinebankingmaynotbeappropriateforeveryoneForinstance,manypeopledonothavecomputersathome.Otherpeopleprefertogotothebankandhandletheiraccountsthetraditionalway.EvenreaboutthetopicSecretofGoodCustomerServicetheytellyoutoHaveanicedayButwhatisthesecretofgoodcustomerserviceFromHarrodsinLondonandSaksNewYorkwe'regoingtofindoutthedosanddon'tsofsellingprotocol.asonthatHarrodshasbeensosuccessfuloverahundredandfiftyyearsistwofoldFirstofalltheyveofferedtheircustomerstheproductstheywanttobuyinapleasantenvironmentButsecondlyandmoreimportantlythelevelofcustomerservicethatthey'vegiventheircustomersbeforesaleduringsaleandaftersale,hasbeensecondtononeIthinkitsfairtosaythatifyoucomparethe5tishwithourcousinselsewhereintheworldthatweareactuallyquiteareservedlotToacertainextenttherearealotofgvioletsinthiscountrywhowouldratherjustdotheirownthingTheydratherwanderaroundandbrowseandiftheydoneedanyelpeventuallyaskforitSoIthinkthewaythatweapproachourownbasedcustomersisactuallyslightlydifferenttothewayweowweneedtoapproachForexampleanAmericancustomerorhavedifferentwaysofdoingthings.Wellinservingdifferent,Iguess,nationalities,youdotakeverydifferentapproaches.WithEuropeans,forexample,youdokindofletthemtakealookateverythingSeewhat'sbeingonofferandthenskthemiftheyneedanyhelpIthinktheydprobablymuchmoreprefertocometoyouratherthanyousomuchtogotothem.TheAmericancustomerverymuchexpectsyoutogotothem,approachthem,emalternativesWellIthinkmaybethemoreEuropeanorBritishcustomercanbealmostturnedoffbythatifsomeoneisseentobetooaggressive,maybetooanxioustomakeasale.withthecustomerisagoodandsuccessfulonebecauseonthatbasis,thecustomerwillmakeuptheirmindwhattheywanttodonext.avebetterthingtodothantalktoyouwhichIlikeItsveryterrifyingwhenyougotoAmerica."CanIhelpyou"they'relikeuYourejustlikeNoImfineIjustwanttolookThatputsmeoff.IlovetheEnglishsalesassistant.SowherehaveyouexperiencedtheverybestincustomerserviceUmmprobablyAmericaIntermsofbestasintheygiveyousomuchattentionitsalmostembarrassingTheytreatyouyouknowtheohelpyouTheywantyoutobuylikebestButIpreferthe...like,beingignored.example.IcancallinAmericafromLondonandthey'lltracktheitemdown.It'snotlike,"Sorrymadamwedon'thavethatinyoursize."IjustgottheGucciboots,whichminehadactuallybroken.AndinEnglandtheysaidSorryyouknowthatsitSothiswomaninLosAngelestrackedthemdownand,infactgotthemforme.That'secausetheyworkoncommissionAndthesoonerwelearnthatthebettertheservicewillget.SowhatdotheAmericanshavetosayTheymayspeakwithadifferentaccentButisthesalespitchaforeignlanguagetotherestoftherld6tendtofocusalotmoreinthehumansideofselling,notthemechanicalsidewhichistheregisterandknowingabouttheproduct.Wereallywanttoknowaboutyourlifestyle.WewanttoknowaboutyourfamilyWewanttoknowaboutyourincome.Wewanttoknowaboutyouroccasionsinyourlife.Andthat'sverydifferentoutsideoftheUnitedStatesOurconsumeractuallyiscomfortablewithformingapartnershipwithasalesassociateandgivingupthatinformation,verypersonalinformation,verypersonalinformation.IthinkthatbestpartaboutSakssalesassociatetrainingthatweactuallydevelopcustomersfivedifferenttypesofcustomersandwevideotapethemandputthemupinfrontofeverynewsalesassociateandsay,Thisisourcustomers."They'reverydifferent.EachoneofthemisatopcustomeratSaksbuttheyshopinaverydifferentway.Alotofstoresinthisindustryreallymeasuresellingeffectivenessbysalesandquitefranklythat'snotwhatSaksisabout.Ithinkthewayyoumeasuregoodqualitystaffisbyrepeatbusiness.ObviouslyyouknowmonAmericansayingAbargainissomethingyoubuyforlessthanitstruevale.Itissomethingyoumightnotbuyifitcostsperson'suselessuglyobjectcanbeanotherperson'sbargain.SomanyAmericansputitoutsidewitha"forsale"signonitandtheyhaveayardsale.outanythingcanbesoldatayardsaleclothingcookingquipmentoldtoystoolsbooksandchairsevenobjectsyouthinkextremelyuglyoruselessYoumayhaveanelectriclightshapedbeautifultosomeoneelseUsuallythesellerputsapriceoneachobjectButthepricecanalmostalwaysbenegotiatedThepriceofatableforexamplemightbemarked0.Butthesellermayaccept8.Ifthetablehasnotbeensoldbytheendoftheday,thesellerprobablywilltakemuchless.SomepeoplegotoyardsalesbecauseitispartoftheirjobTheyearntheirlivingsbybuyingoldthingsatlowpricesthensellingthemathigherpricesManyothershowevergotoyardsalesjusttohavefunTheysayitislikegoingonatreasurehunt.Sometimestheyreallydofindthetreasure.dJauderedidTheBostonGlobenewspapersaysMrJauderehasbeencollectingnativeAmericanIndianobjectssincehewasayoungman.LastyearhestoppedatayardsaleinthenortheasterncityofWorcesterMassachusertts.Hepaid$125forwhateveryonethoughtwasanoldwoodenclub.Mr.Jauderethoughtitwassomethingelse.Two7dayslaterheconfirmedthattheclubhadbeenusedbytheWampanoagwarwiththewhitesettlersateasternMassachusettsin1675.Thehistoricweaponhadbeenstolenfromamuseumin1970andhadbeenmissingeversince.Mr.Jarderelearntthewarclubwasvaluedatabout150000buthedidnotsellitorkeepit.Mr.JauderereturnedtheclubtothemuseumnearBostonMassachusettsfromwhichsgisacommonAmericansayingWhatcanbesoldatayardsaleWhydopeoplegotoayardsale.WhenwastheoldwoodenclubstolenWhatwastherealvalueoftheclubhywastheclubatagreatvalueotelorBBttingready,80%4:30%,15%5:50%,70%6:doublebathexcludedbedandbreakfasttheroomplusallmealsValueAddedTaxIAtouchofhomeOutlineIbedandbreakfast000,advantagesoverbighotelsIImeetingdifferentpeopleIIIfeaturesguestsIVB&BsrsomepeoplentingacarAKeys:three2:Mon.July10th3:stationwagon4:$5:8:'free9:12cents10:$1011:8%12:ysacompactcarastationwagonautomatictransmissionrrentmodelspickupreturnthecarspecialweekendrateregularrateunlimitedmileageinsurancesalestaxafulltankofgas/deposit/lowestrates.VMoreaboutthetopicWhatTypeofRoomDoYouWantA.Keys:1:52:23:64:45:36:1BKeysallgrades2:￡55,Sales3:￡150,Managerialentertainingprivateguestthelake220,privacy,sidekitchenyouknow8AKeys:(France)Italy,(2)3,(3)2,(4)8(Loudon,UK)Paris,France,ttingreadyB.AGoodmorningI'dlikesomeinformationabouttouristfigures,FirstaboutaccommodationWhatproportionoftouristsstayinhotelsBWellinanaverageyearoftouristsstayinhotels,butthisyeararestayinginhotels.A:WhatproportionoftouristsstayinholidaycampsBWellinanaverageyear20%oftouristsstayinholidaycamps,butthisyear45%arestayinginholidaycampsANowaboutplacesvisited.WhatproportionoftouristsvisitEuropeB:Well,inanaverageyear80%oftouristsvisitEurope,butthisyear60%arevisitingEurope.A:AndwhatproportionoftouristsvisittheB:Well,inanaverageyearoftouristsvisitthebutthisyear30%arevisitingtheANow,aboutmethodsoftransport.WhatproportionoftouristsgobyplaneBWellinanaverageyearaboutoftouristsgobyplanebutthisyearabout50%aregoingbyplaneAWhatproportionoftouriststaketheirowncarBWellinanaverageyearaboutoftouriststaketheirowncar,butthisyearaboutaretakingtheirowncar.A:Thankyouverymuchforyourhelp.C.CsoheresabrochurewiththehotelsinMidfordItgivesyoualltherates…TImsorrymyEnglishisntsogoodCanyouexplainthistomeCYesofcourseFirstofallwehavetheCastleInn…here…it'sthecheapestItwillcostyouonly￡12forasingleroomand￡15foradoubleThepriceincludescontinentalbreakfastIfyouwantafullEnglishbreakfastyou'llhavetopayextra…thisEnglishbreakfastCOhyouknowhotfoodfriedeggfriedbacon,porridge…whereasthecontinentalbreakfastiscoffeetearolls,jamandhoney—nothingcooked,yousee.T:IthinkIwouldpreferthecontinentalbreakfast.CWellyesthatsincludedAndthenwehavetheDaltonHotel,moreexpensivebutveryniceabathroomattachedtoeveryroom.TheDaltonchargesforasingleroomand￡60foradouble.Butthereisnochargeforchildrenunderwhostayinthesameroomastheirparents.TIwonthavemychildrenwithmeButmaybemyhusbandwillcomea9CWelltheParkHotelisveryreasonablypriced16perperson.EveryroomhasabathTheresaspecialrateof￡25whichincludesdinnerbedandbreakfastwhatwecallhalfboardOryoucanhavefullboardthatstheroomplusallmealsfor29perpersonpernight.T:Wewouldonlywantbreakfast.CIseeMmyoucouldtrythefourthhotelhere,thePhoenix.Itwillcostyou￡28foradoubleroomwithbath.Breakfastis￡5perperson.TYesButwhatabouttheextramoneywhatdoyoucallitinEnglish,theservice...CAlltheseratesincludeaservicechargeofTheyalsoincludeVAT-that'sValueAddedTax.wecomelaterintheyearwillitbecheaperCYesThesearetheratesforJunetoSeptemberYouwouldpaylessatothertimesoftheyear.ltalkaboutitwithmyhusbandThankyouforexplainingeverythingtome.C:You'reverywelcome.touchofhomevRoseisaverygoodhostessShetellstheguestsinherhometherearesodasintherefrigeratorsnacksinthekitchen,andvideosnexttotheTV.RosesguestsarentoutoftownfamilyorfriendsHeruestsarefromallovertheworldRoseshouseislikeasmallhotelItiscalledabedandbreakfastorBBforshortThenameofRose'sB&BisSuitsUs.andherhusbandhavejoinedagrowingnumberofpeoplewhoareoperatingBBsintheirhomesBBsofferthecharmcomfortandhospitalitythatisoftenmissinginbighotels.That'swhytherearemanypeoplewhowouldratherstayataB&Bthanahotelwhentheytravel.ThereareaboutBBsacrosstheEachyeartheywelcomemillionsofvisitorsAndthenumberisincreasing."Ithinkguestsarelookingforthepersonaltouch"saidPatHardy,thedirectoroftheAmericanBedandBreakfastAssociation"InaB&B,youdon'thavearoomnumberTheownerknowswhoyouareandhelpsyouenjoyyourtripHardysaidTravelersoftenwantmorethanjustaplacetosleepTheylikeBBsbecausetheownertakesapersonalinterestinthem.sesaidoneofthebestthingsaboutowningaBBismeetingedifferentpeopleSheloveswatchingtheguestsmeeteachotherforthefirsttimeatbreakfastItsreallyfuntostandinthekitchenandtalkwithmyguests.Eventhoughmostofthemhaveetheconversationsatthebreakfasttablearereallyinterestingandlively."ManyBBsareolderhomeswithinterestinghistories.SuitsUswasbuiltin1883.Theroomsarefilledwithantiquesand19th-nturydecorationsTheRosesrentthreeoftheupstairsbedroomstoguestsEveryroomatSuitsUshasitsownpersonalityTheRoseshavenamedseveraloftheroomsforpreviousguestsForexampleoneoftheroomsisnamedtheWoodrowWilsonRoombecausetheformeresidentstayedthereAnotherroomiscalledtheAnnieOakleyRoombecausethefamouscowgirlwasonceaguestthere.dbreakfastsarentforeveryoneSomepeoplearentomfortablestayinginsomeoneelseshomeAndotherpeopledontcareforthepersonalinteractionButforaquietromanticplacetoaymanypeoplearecheckingintobedandbreakfastsinsteadofhotelsOncepeoplehavestayedinaBBtheyoftenfindithardtogobacktohotels.ntingacarAGoodafternoon.U-Drive-Itrentals.MayIhelpyouCHiyeahIminterestedinuhrentingacarfortheweekend,andA:Yes,wedo.[Mm-hmm.]Uh…whatsortofcarwereyouinterestedinCWellwereafamilyofthreeandwehavecampingequipment.Now,dtodrivingasmallcarbutImightneedsomethingalittlebecauseofthefamilyanduhalltheequipmentthatwehaveAWellumIcouldsuggestacompactcarfortoyou[Mm-hmmSomeofourcompactshavehavelargetrunksOKoruh…Ohbetteryetwhynotasmallstationwagon[Oh,good.]Um…allurcarsarecurrentmodelsanduhhaveautomatictransmissionCOhwellImusedtodrivingastandardbutIguessthere'snoproblemwithautomatictransmission.A:No,no.Ifyoucandriveastandardyoucandriveanautomatic.CUhwellwellbeleavingonaFridaythat'sthe…let'ssee,thatsFridayJulythandthenreturningontheMonday.Thatwouldbethetenth.AMmhmmWelllet'ssee…uh…wehave…uh…Oh!WehaveaPintostationwagonforthosedatesMmhmm.Good.]Um…yeah,Ithink…Ithinkthat'syourbestbet.COKUhwellthenwhenwouldwehavetopickupthecarandwhenwouldwehavetoreturnthecartogetthatspecialweekendrateAWellfortheweekendrateyouhavetopickupthecarafterfouroclockonFridayafternoonUhhuhandthenreturnitbyteno'clockonMondaymorning.CAfterfouronFridayandreturningbytenoclockonMondaymorning.A:OK,now,our…ourregularrateisseventy-nineninety-five.[Ooh!]utthespecialweekendratewyoucangetthatforfiftynineninetyfiveOhGreatUmnowthefirstthreehundredmilesarefree,[Mm-hmm…]afterthatit'stwelvecentspermile.COhsoitstwelvecentsamileextraafterthefirstthreehundredA:That'sright.COKUhdoyouhaveanyum…rentalswithunlimitedmileageA:Well,wedo,butyoucan'tgetthatspecialweekendrate.CUhhuhOKWellthendoesthefiftynineninety-five-thatwastherate,right[Mm-hmm.]—doesthatincludeinsuranceANoum…theinsuranceistendollarsmore,butIreallyC:Yeah.AOKnowthere'sa…there'sasalestaxofeightpercent,[Mm-hmmandumyouhavetoreturnthecarwithafulltankofgas.[Uh-huh.]Also,werequireadepositofahundreddollars.COhboyItsureaddsup!A:Well,ourratesarestillthelowestintown.CUhhuhOKWellItellyouwhatI'dliketothinkaboutit,ifthatsrightandthenIllcallyouback…uh…ASurethatsfine.Uh,listen,whenyou…whenyoudocallback,askforDoug.That'sme.C:OK.Well,thanksalot.Doug.Goodbye.A:Takecare.VMoreaboutthetopicWhatTypeofRoomDoYouWantSIfthetermsarefavorablewecouldcometoanarrangementforregularaccommodationNow,Iwantedtodiscussthetypesofroomwithyou,andratesfortheiruse.MCertainlyTheratesIllquotetoyoufirstofallarewhatwecallrackratesthatisthenormalratesquotedtothepublic.ButobviouslywewoulddiscussadiscountrateforyouNowasregardstheroomstheyareallofaveryhighstandardAllourroomshavecentralheatingMostofthemarewithbathroomandtheyallhaveawashbasinandatoilet.SThatsoundsfineCanyoutellmeaboutyoursingleroomsMYesOursingleroomsareverycomfortableandtheratesareveryonableIthinkyoudfindthemsuitableforvisitingstaffofallgrades.Therackrateis￡40anight.S:￡40anight…MYesOrforrealeconomyletssupposeyouhaveasalesconference.Youcoulddoubleupyoursalesstaffandputthemintotwinrooms.Thatwouldworkoutverycheaply.Thenormalrateis￡55pertwinordoubleroompernight.SWellwemightconsiderthatpossibilityButwealsohavesomeeimportantvisitorssometimesHaveyouanyreallyspecialdationwecanofferthemWellsupposeyouhavevisitingmanagerialstaffForsomethingmoreluxuriouswecanofferourDelphosSuite.It'sdelightful,andconvenientforentertainingprivateguestsIthasitsownprivateterracewhereguestscansitoutsideandenjoytheviewovertheS:Thatsoundsmostattractive…M:Thenormalrateis￡150pernight…MbutfortotalluxurythefinestaccommodationofanyhotelinthisareaIcanrecommendourBellaVistaPenthouseFromthebalcony,there'samagnificentviewoverthewholecountryside.S:Oh,lovely.MIthasabedroomconnectingtoalargesittingroomwithaseparatestudyabathroomandafullyfittedkitchen.ItcombinestotalluxurywithtotalprivacyForexampleifyourCompanyDirectorandhiswifewantedtostayforafewdaysitwouldbeideal.SAndtherateM:Thenormalratewouldbe￡220anight.youknowehotelswerevotedamongtheworldstoptenwiththelaniinHonolulurankingfirstasurveyofGourmetmagazinereadersreleasedlastFridaysaid.ominginsecondwastheOrientalinBangkokThailandfollowedyVilladEsteCernobbioItalyTheRegentHongKongandHotelRitz,Paris.reenbriarinWhiteSulphurSpringsWestVirginiarankedNoThethrankedhotelwastheFourSeasonsResortNevis,inCharlestown,Nevis,WestIndies.Morethanhotelsresortsandinnsin7countriesandkedingeneralandspecificcategoriesthatratedngsasdiningbarspoolsworkoutcentersandromanticosphereThisisthethirdyearthatGourmetwhichhasmorethan5millionreaders,hasconductedthesurvey.AnotherhoteltheMansiononTurtleCreekinDallas,toppedthelistforrestaurantdiningbeatingouttheConnaughtinLondon,ItalysVilladEsteandBangkokstheOrientalTheFourSeasonsinhiladelphiawasNoKongrankedfirstasithasforthepastthreeyears.InothercategoriesParisHotelRitzwithitsRomanthermalbathswasvotedtohavethebestpoolsandTheGreenbriarinWestVirginiawasfoundtohavethebestworkoutcenter,golfandtennis.ttingreadyCKeysSincereY:Doubtful;N3:Sarcastic;N4:Doubtful;NSincereYSkepticalN7:Surprised;Y8:Sincere;Y9:NationalteachchildrentosavedayAKeys:Thursday,April172:teachingchildrenhowtosavemoney25004:5000presentationsBKeys:2;4:1itcardsKeysimportancelaterThepotentialdisadvantages4:lotsofpurchasesinterest:Thebenefits7:emergencies8:rtIVMoreaboutthetopicGulfBetweentheRichandPoorAKeys:32:13:24:somuchoftheirincome5:evererhousesandcarssocialprogramsorinfrastructurerepairshappierfewerdisputesofworklowerlevelsofstresshormoneslessoften:atanolderageBKeysvicepresidentMythsofRichandPoor3:positivesideincreasedprosperity5:betteroff6:30yearsago7:hundredsofgadgetseasier9:morepleasurable10:cellularandcordlessphonescomputers12:answeringmachines13:microwaveovens3/415:washingmachines16:half17:clothesdryers7%19:colortelevisions20:3/421:VCRs22:2/323:microwavesandairconditioners:3/425:automobile26:40%27:halfstereosystemsyouknowAKeys:Tokyo2:Osaka3:Oslo4:Zurich5:HongKong6:CopenhagenGenevaParis9:Reykjavik10:LondonBKeysTheEurohasappreciatedagainsttheUSdollar2:PersistenteconomicturmoilTehran:Theeconomistteamcheckspricesofawiderangeofitemsfrombreadandmilkcarsandutilitiestocompilethisreport:Businessclientsuseittoulatetheamountofallowancesgrantedtooverseasexecutivesandtheirfamilies.ttingreadyB.NarratorWhatwouldyoureplytothesepeopleMan:WellasIseeit,millionsofpeopleintheworldareworseoffthanusbuttheresnothingwecandoaboutit.Woman:I'datifyoudohaveplentyofmoneytheresnopointinspendingthattheonlywaytohelpthepoorintheworldistofindwaysofhelpingthemtohelpthemselvesernotbyergivingthemfreefoodWomen:Ifyouaskme,taxesforrichpeopleshouldbereallyhighorsomethingsothateveryoneisatthesameeconomiclevel.Man:Er…inmyviewit…it'sworthmakingalotofmoney…er…sothatyoucanleaveittoyourchildrenwhenyoudieMan:Don'tyouagreethatifpeoplearengorhavenowheretoliveitsthedutyofbetteroffpeopletogivethemfoodandshelterWoman:Look,let'sfaceit,there'sonlyonereasonwhypeopleworkandthat'stomakeasmuchmoneyaspossibleManSurelyaslongasyou'vegotenoughtoliveon,theresnopointinmakingmoreandmoremoney.Woman:Ifyou'reearningagoodsalarysurelyyoushouldsaveasmuchasyoucanforarainydayManImustsaythatonethingiscertain:moneydoesn'tbuyhappiness.C.NarratorYoullhearsomepeoplereactingtovariousopinionsdeiftheyareagreeingordisagreeingwiththeopinionsexpressed.Payattentiontothetoneofvoicetheyuse.Woman:Mm,ye-es.neyitsbettertospenditsureWoman:Hmm.youearn.esneverknowwhenyoumightneedit.Woman:Idon'tknowaboutthat!yourexpenses.dontknowaboutthatketmoneyWomanMmmWomanYesesNationalteachchildrentosavedayOnThursdayAprilNationalTeachChildrentoSaveDay,"2500kerswillmakepresentationsinelementaryschoolclassroomsacrossthecountrytoteachchildrenhowtosavemoney.futureofchildrenbecausewewantthemtobeabletomakesmartfinancialdecisionsthroughouttheirlifetime"saidAmericanBankersAssociationExecutiveVice-presidentDonaldG.Ogilvie."Educationandmoneymanagementskillsarekeystoabetterlife."ducationFoundationdeclaredNationalTeachChildrentoaveDayasawaytoshowbankingindustrysupportforteachingdrenmoneymanagementskillsandencouragingthemtosavemoneyforthefutureInAmericanssavedonly%oftheirdisposableincomes,comparedto1970whentheysaved8%.ationcoordinatedagreateffortwithstatebankersciationstoencouragebankerstoparticipateinNationalTeachChildrentoSaveDayItalsopreparedaresourcekitwithtoolstohelpbankersmakepresentationsinclassroomsMorethan000studentswillbepartofthisnationalinitiative.EducationFoundationalsoofferstipsforparentstofostersavingshabitintheirchildrenvethemanallowancewiththeunderstandingthatpartofitgoestotheirownsavingsafirststeptowardslearningtobudgetaketheirsavingsvisibleandrealhavethembuildupsavingsiniggybankThenhelpthemopentheirownbanksavingsaccountandhavethemmakedepositseachmonth.irmonthlystatementsortherecordintheirsavingspassbooks,toshowthemhowtheirmoneyismultiplying.everydollaryourchildrenearnencouragethemtospendcentsempurchaselaterandsaveorinvesttherestThatsa50%savingskesavingsandinvestingfunGiveyourchildrenplaymoneytolnewspapersIfthestocksgouppaytheminmoreplaymoneyifthestocksdecline,theypayyou.itcardsCreditcardsareanimportantpartofAmericanlife.Whetherwehaveapositiveornegativeimageofcreditcardstheyareaninescapablepartofourfinances,eithernoworinthefuture.ahotelorairlinereservationorevengetamembershipatavideostore.Sincecreditcardsaresoimportant,yetsomanypeopleareinncialtroublebecauseofthemwefeeleducationisextremelytoys;theyareanimportantresponsibility.Acreditcardcanbeusedto"charge"thingslikeclothes,tapesorCDsdinneratarestaurantormaybeahotelroomwhileyou'reonvacationWhenyouchargesomethingyouareagreeingtopayforyourpurchaseatalaterdateBasicallyyouarebuyingsomethingnowandpayingforitlater.Creditcardscomewitha"limit."Let'ssayyourcreditcardhasayourcard.YouwillgetastatementinthemaileachmonththatliststhechargesyouhavemadeYouwillalsohavetomakeapaymenteverymonththatyouhaveabalanceowing.SincewereabouteducatingourcustomersontherealitiesofcreditcreditcardcanbeveryexpensiveBanksdontoffercreditcardsouTheyofferthembecausetheymakemoneywhencustomersusecreditcards.HowdotheymakemoneyWhenyouchargesomethingonacreditcardyounotonlywillhavetopayforwhatyoubought,butyouwillalsohavetopayinterestorafinancechargeifyoudontpayyourbillhavingsomethingnowandpayingforitlater.The