服务差额（service balance)

A.A. management

B.B. information flow

C.C. service quality

D.D. service quantity

综合差额(Over—all Balance)

经常项目差额(Balance of Current Account)

Mayfield Electric Cooperative

Service Summary

Account number: 8237987324-CJ

Name: Curtis Holliday

Billing Date: 10/24

Due Date: 11/15

Service Dates: 09/01-10/01

Days of Service: 31

Readings

Meter Number: AS-23987498008

Current Reading: 938493

Prior Reading: 988362

Account Activity

Previous Balance $82.92

Payments $82.92

Adjustments 0.00

Balance Forward 0.00

Facility Charge $20.00

Electricity Service $98.93

Sales Tax $3.50

Power cost Adjustment $ 1.00

Public Benefits $2.50

Due Date: 11/15

Net Due $125.93

After Due Date $127.19

Sam and Luisa,

Here is the copy of the electric bill. As you can see, our usage is higher, which means we have to pay more this month. I was hoping that our electricity bill would go down after the summer because we wouldn't be using the air conditioner as much.

We all have to pay about $42 each. Please have it to me as soon as possible so I can pay.

I'd also like to have dinner sometime this week so we can discuss this. I'll make pasta or something. Let me know what day is good for you. I'm free every evening after 6 p.m.

What is the bill for？

A．Gas

B．Water

C．Internet

D．Electricity

falls below four hundred pounds at any time during the stated period. You may keep three pounds in your account, but we charge you five pounds a month.

&8226;You will hear another five short recordings.

&8226;For each recording decide what the speaker is doing.

&8226;Write one letter (A—H) next to the number of the recording.

&8226;Do net use any letter more than once.

&8226;After you have listened once, replay each recording.

Actions

A playing

B drinking

C claiming

D washing

E regretting

F toasting

G depositing

H watching

Checking accounts

In the United States, checking accounts are available only at commercial banks. Commercial banks specialize in demand deposits, such as checking accounts. A checking account is money that a customer deposits in order to use that money to write checks. Saving accounts pay the depositor interest but checking accounts do not. In fact, checking account customers pay the bank a service charge for the bookkeeping involved in administering the account.

The method of recordkeeping is also different in savings accounts and checking accounts. A depositor must present his passbook for any savings account transaction. The bank records these transactions in the depositor's passbook. Checking account customers, however, do not have passbooks. They themselves record the amounts of the checks that they write and they receive a monthly statement from the bank. This statement lists all the checks that the bank paid and all deposits that the account holder made during the month. The bank usually sends the statements with the customer's cancelled checks. The customer then compares the balance on the statement with the balance in his own records by subtracting the total of his outstanding checks.

There are other fees that the bank may collect from checking account holders. For instance, banks charge a fee for stopping payment to a check. When a depositor decides that be doesn't want the bank to pay a payee, but he bas already written a check to that person, he may give the bank a stop payment order. The bank will then refuse to pay this check, and charges the depositor a fee. 'Banks also charge a depositor a fee when he is overdrawn. A depositor is overdrawn when he writes a check for more money than the balance in his account: The bank marks the check "insufficient funds", returns it, and charges a penalty for it. In everyday language we say that a check returned for insufficient funds has "bounced".

Recent changes in banking regulations have allowed savings banks to offer negotiable order of withdrawal accounts. These accounts, called N. O. W. accounts, are very similar to checking accounts but they pay interest like savings accounts. The depositor can write withdrawal orders against the balance in the account. These withdrawal orders look like checks, and depositors receive a monthly statement summarizing deposits and withdrawals. There is often no service charge if depositors keep a minimum balance in their accounts. Commercial banks also offer N. O. W. accounts.

As far as checking accounts go, the difference between savings banks and commercial banks is growing smaller in the U. S.

State whether each statement is true or false based on the reading.

Checking accounts are available at savings banks.

A．True

B．False

&8226;Read the adicle below about money management in Britain．

&8226;For each question 31-40，write one word in CAPITAL LETTER on your Answer Sheet．

Research reveals that 82 percent of adults are surprised by their account balance every month．Although two。thirds of those suweyed by Yougov claimed to know the transactions in and (31) of their current accounts，only 18 percent of people were left with an account balance (32) ．expected at the end of the month．Lack of time emerged as the major reason (33) ．adult money mismanagement and banking expels promote online banking as a convenient，24-hour (34) to current account management．Natwest Primeline，the bank's online and telephone banking service， (35) ．one provider that has seen a threefold increase in online customers compared to two years ago．Age was also found to affect people's (36) to managing their current account balance． (37) to 60 percent of those under 30 years old were unable to find time to do their banking．This contrasted with the over-50 age group，67 percent of (38) ．always found time to do their banking．This is also the age group least likely to go overdrawn on their current accounts．Men emerged as the group least likely to be able to guess their account balance，with only 8 percent (39) ．able to do so．Regionally，Londoners were the most dis．organised as 44 percent of people did not know how (40) money was available in their account．

(31)

A.morning call

B.awake service

C.wake service

D.morning service

公共服务广播(public service broadcasting)

妇幼卫生服务评价(maternal and children's health service evaluation)