Why is there no risk to the customer when a bank prints the customer's name to his cheques?
When anyone opens a current account at a bank, he is lending the bank money, repayment of which he may demand at any time, either in cash or by drawing a check in favor of another person. Primarily, the bank-customer relationship is that of debtor and creditor who is which depending on whether the customer's account is in credit or overdrawn. But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another. Many of these obligations can give rise to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.
The bank must obey its customer's instructions, and not those of anyone else. When, for example, a customer first opens an account, he instructs the bank to debit (把……记入借方) his account only in respect of checks drawn by himself. He gives the bank specimens of his signature, and there is a very firm rule that the bank has no right or authority to pay out a customer's money on a check on which its customer's signature has been forged. It makes no difference that the forgery may have been a very skillful one: the bank must recognize its customer's signature. For this reason there is no risk to the customer in the practice, adopted day banks, of printing the customer's name on his checks, ff this facilitates forgery, it is the bank which will lose, not the customer.
When you have a bank account, you ______. ()
A. must always be in credit
B. can't draw any money if you're overdrawn
C. can draw money without notice
D. can't pay money to anyone else
A.It should be considered a big success.B.It is not very successfid.C.It is far from b
A. It should be considered a big success.
B. It is not very successfid.
C. It is far from being successful.
D. It is a not-too-big success.
Internet Users Turn Addicts
If you're an Internet user, you know who you are. They are among all of us in society, although many may choose not to acknowledge that they too, frequently use the Internet. As I sit here and look across the street, I see a man in front of his own computer; the screen glowing against the window behind him. He does not use his personal computer for work, he is a farmer. He has become what is known as an "Internet Junky".
The addiction begins innocently. At the start, you are not even aware of the possibilities that may form. from your excessive computer use. You begin to take an avid interest in e-mailing with your friends and family. Once the novelty of keeping in touch with your colleagues wears off, and researching starts to bore you, you may possibly expand your computer usage to chatting. Yes, chatting. It is something that is becoming more acceptable in our lives, but it is still looked down upon by many skeptics. Chatting through the Internet involves choosing an appropriate nickname for yourself —for example, Fisherman —and then finding a room where you feel compelled to spend time in. Once you've entered the room, other fellow chatters may say, "Hello... a/s/ 1(age/sex/location) please."
And so begins the addiction. Once you become involved in meeting people online, it is difficult to break such a habit. You may even make a daily habit of it. People have been found to carry out exactly the same behavior, not only across the nation, but across the globe. In any one room, you may come across people from five different countries of the world. Granted, not everyone who stays online for hours on end, are enveloped in chatting, but it is more often than not, the cause for Internet Addiction Disorder (IAD).
The prevalence of Internet Addiction Disorder has been increasing in number, hence a support group, among many the Internet Addiction Support Group (IASG) has been developed. IAD, a "maladaptive" pattern for Internet use, is leading to impairment and/or distress caused by three (or more) of the following, at any time in a period of one year:
- A need for markedly increased mounts of time on Internet to achieve satisfaction;
- Markedly diminished effect with continued use of the same amount of time on Internet;
- Reduction in Internet use which has been prolonged.
Symptoms of Internet Addiction Disorder include:
- Psychomotor agitation;
- Anxiety;
- Obsessive thinking about what is happening on Internet;
- Fantasies or dreams about Internet;
- Voluntary or involuntary typing movements of the fingers.
These symptoms begin to cause conflict in social, occupational, or another important area of functioning. People who become addicted, use the Internet to relieve or avoid withdrawal symptoms, which are similar to those brought on by the halt of drug use. The disorder is recognized by the "persistent desire" or "unsuccessful efforts" to minimize the Internet use.
On June 14, 1998, ABC news reported that an "Internet crazed" Cincinnati woman was arrested for neglecting her three young children. The woman reportedly spent 12 hours straight online, while her hungry kids were locked away in a room so she could be online without interruption.
The Internet is rapidly becoming an addictive source to a lot of its users. Users of the Internet include: students, housewives, and business professionals. Some of these users spend a minimum of thirty-eight hours per week on the "net"; hence, losing touch with reality and reeking havoc on their studies, family lives, and even their careers. Based on level of addiction, there are three groups of Internet addicts:
- the "I'm-not-addicted-users";
- the "I-only-use-it-when-I-have-to-users";
&nb
A. Y
B. N
C. NG