.

　　A. the author's son played happily in the garden

　　B. the author's son reminded him of his own father

　　C. the author's son was very glad to help the author

　　D. the author's son will continue gardening as well

　　B

　　Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller（出纳员）interactions in an increasingly competitive banking environment.

　　Today, most large national banks, many local banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual”（虚拟）banks that have no physical branches or tellers whatsoever.

　　The challenge for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it. Most of the large banks can now offer fully safe , fully functional（功能的）online banking for free or for a small cost. As more banks succeed online and more customers use their sites, fully functional online banking will likely become as commonplace as automated teller machines (ATM).

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