3. B。推理判断题。由第三段最后一句“I also told her，gently once

　　more, that I hated to add to her problems but she would owe us a fee

　　for the returned check because the bank charges us a fee when a check

　　is returned.”可知，这位妇女不但要付支票，而且还得付退回支票所收的费用。

　　4. D。主旨大意题。由最后一段作者所得出的结论，可知作者写这篇文章的主要目的是得出一个经验教训，故选D项。

　　It is reported that conservation groups in North America have been arguing about the benefits and dangers of wolves. Some groups believe wolves should be killed. Other people believe wolves must be protected so that they will not disappear from the wilderness (荒野)

　　For Killing Wolves

　　In Alaska，the wolf almost disappeared a few years ago，because hunters were killing hundreds of them for sport. However．1aws were established to protect the wolves from sportsmen and people who catch the animals for their fur．So the wolf population has greatly increased. Now there are so many wolves that they are destroying their own food supply．

　　A wolf naturally eats animals in the deer family. People in the wilderness also hunt deer for food．Many of the animals have been destroyed by the very cold winters recently and by changes in the wilderness plant life．When the deer can’t find enough food，they die．

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