D. customers can deal with their banking by a mouse click

　　27. D 细节理解题。根据第二段最后一句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.可知，网上银行有时候被称作是“brick-to-click” 银行，不同于没有网上银行业务的 “brick-to-mortar” 银行; 网上银行也是虚拟银行，没有实体的分行，故A不对；C选项中no better than 意为 “和 ... 一样不好”, 与文意不符。在第三段最后一句 “… fully functional online banking will likely become as commonplace as automated teller machines (ATM).”中，注意 “will likely” , 故B选项不对。网上银行当然是使用鼠标进行操作了。故D正确。

　　28. What would be the best title for this text?

　　A. Banking of Various Forms

　　B. Improvement of Banking Industry

　　C. Development of Online Banking

　　D. Functions of the “Brick-to-Click” Bank

　　C

　　Modern smart phones are fast becoming the must-have item. But what’s in store for the next generation of smart phones?

　　Tired of carrying around that heavy wallet? Soon you won’t need to! The next generation of smart phones will have NFC technology, which lets you pay for things with your smart phones. All you do is enter your credit card information into your phone. Then, when you are in a shop that allows NFC payments, you just wave your phone over a special instrument at the checkout. The purchase is instantly charged to your credit card.

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