question: Li Mingyang only joined Alibaba's investment platform one month ago but he has already transferred almost all the cash in his bank account - nearly Rmb200,000 ($32,000) - to the online fund. He is far from alone . More than 30 million people in China have signed up to Yu'E Bao, or "Leftover Treasure", only six months since its launch. 

Initially as the Chinese e-co mmerce group as a platform for its users to manage extra funds in their online payment accounts, Yu'E Bao is becoming something far more powerful: a straight-up substitute for traditional bank deposits ."There's no point in keeping money in the bank any more. This is just as reliable, more flexible and you can earn a lot more from it," Mr Li says. 

A quick hit of the Yu'E Bao application on his phone shows the Shanghai-based editor has earned more interest on his account over the past day than 94 per cent of other local users ."This is fun, almost like a computer game," he says with a laugh. 

For every Rmb12 that companies and individuals have deposited in Chinese banks since June, they placed roughly Rmb1 in their Yu'E Bao accounts, according to Financial Times calculations based on official data. While it remains tiny compared with total deposits in the Chinese banking system, this transfer of cash from banks to the Alibaba platform is only speeding up. In the process, it threatens to upend( ) the rules of China's state-protected financial department, break banks' profit model and shifting power to savers in a way that was scarcely imaginable at the start of this year. 

Other Chinese tech companies are getting in on the act. Tencent, developer of the hugely popular 

messaging app WeChat, is said to be designing a fund platform similar to Yu'E Bao. Baidu, the search engine company, began marketing investment products in October. 

"Internet companies, with their ability to instantly reach millions of consumers, have already started to change the competitive dynamic in finance," says Ernan Cui, an analyst with GK Dragonomics, a 

Beijing-based research firm.
1. What platform did Mungyang join?
2. How long ago?
3. How much has he already transferred?
4. How long ago did Leftover Treasure launch?
5. Yu'E Bao is a substitute for what?
6. What does Mr Li say is the main benefit?
7. He has earned more over the past day than what percent of local users?
8. What did Li compare it to?
9. For ever Rmb12 what amount was placed in their Bao accounts?
10. Who else is getting in on the act?
****
answer: 1. Alibaba's investment platform
2. one month
3. nearly Rmb200,000
4. six months
5. traditional bank deposits
6. more flexible and you can earn a lot more from it
7. 94
8. a computer game
9. Rmb1
10. Other Chinese tech companies

"Charles Chaplin was horn in London on April 16,1889.His parents were music ball actors. The Chaplin family were very poor,and life was difficult in London. Charlie,as his job was an actor. What he did was to do silly things to make called, used to do his mother's job in the theatre when she was ill. When he was only 17 years old,Chaplin got his first real job as an actor. What he did was to do silly things to make people laugh in the theatre.Seven years later he went to the USA. And over the next four years,he formed his own way of art. He developed the character of a homeless gentleman which became very popular. From the 1920s to the 19S0s.Chaplin made his most famous films. The film Modern Times(1936) shows his care about the modern industry workers. Many of his films describe the poor life and hard time of the working people during that period. Although Charlie Chaplin was British, he lived in the USA until 1953. But he never got US nationality. Then Chaplin ,his wife and his five children had to move to Switzerland where he lived until he died. When he was 83 years old,he won his only Oscar for the music he wrote for the film . He was named Sir Charles Chaplin at the age of 85. Charlie Chaplin died in Switzerland on December 25th,1975. What are the answers to this following set of questions: 1. Where was Charles Chaplin born?
2. When did he more to the United States?
3. Did he become a U.S. citizen?
4. did he have any children?
5. how many?
6. Can you tell me the name of one of his movies?
7. Did he stay in the U.S. for the rest of his life?
8. Where did he go?
9. When did he move?
10. Did he stay there for the rest of his life?
11. when did he die?
12. Did he win any awards?
13. which one?
14. how old was he when he died?
Answer: 1. London
2. When he was 24
3. no
4. yes
5. five
6. Modern Times
7. no
8. Switzerland
9. 1953
10. yes
11. December 25th,1975
12. yes
13. an Oscar
14. 86

input: Make use of the article to answer the questions. That was my grandmother's first Christmas without Grandfather. When my parents and I arrived at her little house ,we found she had waited up all night for us. Grandfather had always said that the Christmas tree was the most important decoration of all. So first we took out the beautiful tree that was stored in the closet . But the star was _ . It was my grandmother's favorite part of the tree. "Why? It must be somewhere in the closet," my grandmother said. As we opened up boxes one by one and found no star, my grandmother's eyes were full of tears. Grandfather had given it to her some fifty years ago, on their first Christmas together. But on her first Christmas without him, the star was gone. The next morning, my family sat down together to open the presents. "The last gift is to Grandmother from Grandfather," Father said, in a strange voice. "From whom?" There was surprise in my grandmother's voice. "I found this gift in Grandfather's closet when we got the tree down," Mother explained. My grandmother opened the box. There was a shinning golden star and a note in it: Don't be angry with me, dear. I broke your star while putting away the decorations, and I couldn't bear to tell you. I hope it brings you as much happiness as the first one. Merry Christmas! Love, Bryant ,A, B, C, D,. (10) 1. Who is experiencing something for the first time?
2. Which holiday is it?
3. What is significant about it?
4. Did she come to her children’s house?
5. Did they go there?
6. What had she done the night before?
7. What did they start to do?
8. What were they looking for?
9. Why?
10. What did he think of it?
11. Were they able to find it?
12. Was that okay?
13. Why not?
14. Did she start to cry?
15. Who gave her a present the next day?
16. Who handed it to her?
17. Was his voice normal?
18. Was it the first one?
19. Where was it found?
20. Was it the old one?
numbered_answers:
1. grandmother
2. Christmas
3. first Christmas without Grandfather
4. No
5. Yes
6. waited up
7. decorate the Christmas tree Christmas tree
8. star
9. Grandfather had given it to her
10. unknown
11. No
12. No
13. Grandfather had given it to her some fifty years ago, on their first Christmas together
14. yes
15. Grandfather
16. Father
17. No
18. No
19. Grandfather's closet
20. No