You choose to be a winner!

The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account（交易账户）where you receive a keycard so you can get to your money 24/7 ----that's 24 hours a day, 7 days a week!

It's a club with impressive features（特色）for teenagers:

No account keeping   fees

You're no millionaire so we don’t expect you to pay large fees. In fact, there are no accounts keeping or transaction fees!

Excellent   interest   rates

You want your money to grow. The Winners Club has a good rate of interest which gets even better if you make at least two deposits（储蓄）without taking them out in a month.

Convenient

Teenagers are busy –we get that. You may never need to come to a bank at all. With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet… You can have money or your pay from your part-time job!

Mega magazine   included

Along with your regular report, you will receive a FREE magazine full of good ideas to make even more of your money. There are also fantastic offers and competitions only for Winners Club members.

The Winners Club is a great choice for teenagers. And it is so easy to join. Simply fill in an application form. You will have to get permission（许可）from   your parent but it is easy. We can't wait to hear from you. It's the best way to choose to be a winner.

The popular college rankings focus primarily on prestige as measured by the SAT scores of incoming students and how many applicants are turned away. An initiative (措施) started last fall by the Obama administration could help families go beyond these limited, and far too easily exploited, indexes to learn quickly and easily how a college is compared with its competitors nationally on important criteria like graduation rates, what a degree actually costs and how much debt a student can expect to run up by graduation day.

If the federal government makes it legally necessary to disclose this information in a clear and consistent (一贯的) way, as it should, families will be better able to make informed college choices. And this will help put pressure on colleges that perform poorly to improve.

Critics may regard this initiative as an example of government overreach. But given that the federal government spends nearly $190 billion a year on higher education aid to students, it has a legitimate interest in making sure that the money flows to the schools that best meet their responsibilities to families and students.

Congress has taken some steps to require greater transparency (透明) from colleges. The 1990 Student Right to Know Act, for example, required colleges and universities that receive federal aid to disclose graduation rates. And the 2008 Higher Education Opportunity Act required schools to offer a way for consumers to determine actual costs after student aid is taken into account.

But many colleges have done a poor job of obeying federal disclosure rules, and much of the available information is not in one place. The administration’s new efforts would enforce reporting requirements and provide some new tools.

President Obama wants to expand campus-based aid to about $10 billion from the current $2.7 billion. He has proposed moving money away from colleges that fail to control tuition increases or provide good value to others that do a better job. That is a worthy idea in principle, but he will need strong data-based evidence to determine how colleges are doing.

The transparency initiatives are a good place to start and should be embraced by both parties in Congress. If students and families, facing higher tuition and rising debt, are to make sound choices, they need more and better information.

That the US stock market dropped sharply immediately after the US government put forward the proposal on Tuesday to tighten the control on exports of various artificial intelligence technologies indicates what the market thinks of the move.

Multi-national corporations have led the way in the profound compressing(压缩) of time and space that has flattened and changed the world over the last couple of decades, and the overwhelming majority of international technological transfers have been conducted among multi-national companies in pursuit of profits.

Thus the proposal the US government put forward on Tuesday to tighten the control to “avoid negatively impacting US leadership in the science, technology, engineering and manufacturing sector” is being viewed not only as a brake on the US economy but also as a barrier to maintaining that leadership since it will reduce cooperation with the rest of the world and shrink the market for US companies preventing them from investing research and development.

The bigger its market, the more profits a technology company can earn, and the more money it then has to invest in developing even more advanced technologies. This is as true for US companies as it is for others.

Behind the proposal is the narrow-mindedness of policymakers in the US administration, who choose to ignore the fact that the United States would not have become the world leader in science and technology if it had kept its doors closed.

If such controls are intended to contain China’s development, they will certainly fail.

It is true that China has a lot to do to catch up with the US and other developed countries. Yet it has made great steps forward by opening its doors and cooperating with other economies.

As it opens its door wider, it will have even more opportunities to cooperate with other countries in science and technology.

The de-materialization of economic activities — with economic output and income generation increasingly reliant on information rather than inputs of raw materials — only increases the need for cooperative agreements and a cross-disciplinary approach to increase the capabilities of AI and advance its application.

By trying to enforce and exploit an invented-here ideal that is untenable, the US will undoubtedly lose the leadership in science and technology gradually to which it has become accustomed, and prevent the progress of both humans and machines.