TheInternetbeganinthe1960sasasmallnetworkofacademicandgovernmentcomputersprimarilyinvolvedinresearchfortheU.S.army.OriginallylimitedtoresearchersatahandfulofuniversitiesandgovernmentdepartmentstheInternethasquicklybecomeaworldwidenetworkprovidinguserswithinformationonarangeofsubjectsandallowingthem

topurchasegoodsdirectlyfromcompaniesviacomputer.By199984millionU.S.citizenshadaccesstotheInternetathomeorwork.MoreandmoreAmericansarcpayingbillsshoppingorderingairlineticketsandpurchasingstocksviacomputerovertheInternet.

Internetbankingisalsobecomingincreasinglypopular.WithloweroverheadcostsintermsofstaffingandofficespaceInternetbanksareabletoofferhigherinterestratesondepositsandchargelowerratesonloansthantraditionalbanks."Brickandmortar"banksareincreasinglyofferingonlinebankingservicesviasomespecialwebsitestoenlargetheirtraditionalservices.Atpresent14percentofInternethouseholdsconducttheirbankingbymeansoftheInternetandthefigureisexpectedtodoubleduringthenexttwoorthreeyears.

IncreasingcommercialuseoftheInternethasheightenedsecurityandprivacyconcerns.WithacreditcardanInternetusercanorderalmostanythingfromanInternetsiteandhaveitdeliveredtotheirhomeoroffice.CompaniesdoingbusinessovertheInternetneedmanysecuritymeasurestoprotectcreditcardbankaccountandsocialsecuritynumbersfromunauthorizedaccessastheypassacrosstheInternet.AnyorganizationthatconnectsitsnetworkstotheglobalInternetmustcarefullycontroltheaccesspointtoensurethatout-siderscannotdisturbtheorganization'sinternalnetworksorgainunauthorizedaccesstotheorganization'scomputersystemsanddata.

1.AccordingtothetextInternetbanking______.

A.offerspriceadvantagestousersB.requireslittleusagefees

C.ismoreefficientthantraditionalbanking

D.isenvironmentally-conscious

2.Theterm"brickandmortarbanks"（Line3Para.2）refersto

A.bankswithdependablereputationsB.bankswithcompetitiveinterestrates

C.traditionalbankswithwalk-inservicesD