The Supreme Court's recent decision allowing regional interstate banks has done away with one restriction in America's banking operation, although many others still remain. Although the ruling does not apply to very large money-center banks, it is a move in a liberalizing direction that could at last push Congress into framing a sensible legal and regulatory system that allows banks to plan their future beyond the next court case. The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930's. The current high rate of bank failure higher than at any time since the Great Depression has made legislators afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from this restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal law and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region? Of course not. The solution is clear. American banks will be sounder when they are not geographically limited. The house of Representative's banking committee has shown part of the way forward by recommending common-sensical, though limited , legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form counterweights to the big money-center banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of American's suitable banking legislation.

37． The author's attitude towards the current banking laws is best described as one of______.

79． 解决实际问题的办法事先不能预见。(solution)

78． 如果网络中一台计算机坏了，全体网络就会停滞运行。(be unable to)

80． 选择一个CRM解决方案也是一次检验你业务的机会。(opportunity；examine)

76． 报纸是最为广泛运用的广告宣传工具。(medium)

77． 有些星辰的密度达到某一点就会爆炸。(density)

75． 【T5】

73． 【T3】

74． 【T4】

72． 【T2】

【T1】Over the last few years the Internet has evolved from being a scientific network only, to a platform that is enabling a new generation of businesses.The first wave of electronic bussiness was fundamentally the exchange of information. But, with time, more and more types of businesses have become available electronically.【T2】Nowadays we can buy goods online, book holidays or have texts translated over the Internet in an instant.Home banking, for example, is one application that is already provided by most banks around the world. Looking up your balance, transferring money and other transactions are done every day by millions of people. Public administration has discovered the Internet as means to talk to the general public at election times. And it will not be a long time before we see general elections decided on the Internet. The reason why I have called this book "The E-business Revolution" is that the approach is twofold. Technology has revolutionized the way we can do business. But business itself is only slowly adapting to the new possibilities. The New Economy needs a new paradigm, but the process of conversion will take some time to complete. The necessary technology is ready and waiting.【T3】The e-business in the title is not the same as IBM is seeing, it is much more, as you will discover by reading this book, therefore the "B" in e-business is not written in capital letters as in IBM's case.The Internet is changing the concept of programming applications. We are moving towards pervasive computing and towards electronic services. The Jini technology is one of the first implementations of what one could call "one world, one computer". Jini allows every device to talk to every other device in a common language.【T4】A device in this case can be anything with a silicon chip inside and an Internet connection.Other companies have started to develop similar paradigms, technologies and visions, such as IBM's T-Spaces technology and Hewlett-Packard's E-Services strategy. 【T5】Most probably you already know the example of the empty refrigerator that sends an e-mail to the grocery with a request for fresh milk that will be delivered to the doorstep before breakfast in the morning.Prototypes have already been built. A bar-code reader is able to detect which products are put into the fridge and taken out afterwards. For many people this won't been necessity in the future. The grocery is more than just a piece where people can buy food. It is a social place where people meet, which cannot be simply replaced by two chips. But for those who do not have the time to do shopping or are not able to walk to the grocery, this may become an option.

71． 【T1】