There is no doubt that online banking has revolutionized the way we manage our finances. But, like any creation, it also has quite a few disadvantages.

● 【小题1】 In this interconnected world, some people are constantly using different approaches online to steal your personal and financial data. Thus they can have access to your accounts easily. This could result in the loss of money and the leak of personal information. So, make sure to set strong, unique passwords. And be careful about the websites and links you interact with.

●Over-reliance on technology. 【小题2】 But one of the biggest disadvantages of mobile banking is also hidden here. Relying only on automated systems can lead to a disconnection from the key concepts of money management. There may be cases where you run into technical problems or system breakdowns.

●Overspending. With 24/7 access and the convenience of online banking, it is easier to overspend or make impulsive (冲动的) purchases. 【小题3】 This could result in spending without your awareness. Make sure to regularly monitor your account, set spending limits, and be mindful of your financial activity online.

●Internet requirement. Online banking is entirely dependent on an Internet connection. If you don’t have a stable and reliable Internet connection, it will be difficult to access your accounts or conduct financial transactions. 【小题4】

●Lack of human interaction. Online banking lacks the personal touch offered by traditional banks. 【小题5】 This can be disadvantageous when seeking advice or assistance for complex financial matters. While online support is available, it may not fully replace the experience of talking to a human banker.

How important is fish farming? Very. Although it’s an ancient business, the rise of aquaculture (水产养殖) has been one of the biggest revolutions in food supply over the past half century.

Aquaculture has made fish more affordable for consumers around the world, popularizing the consumption of what used to be expensive, and easing the pressure on hard- pressed wild stocks (库存). Aquaculture also has many clear environmental benefits: compared with other ways of growing animal protein, it uses little or no land, and has low greenhouse emissions. And while the world has traditionally had a bad record of regulating wild fishing, fish farming generally occurs within the boundaries of governments, meaning it should, in theory, be much easier to ensure that good practices are upheld.

Crowding large numbers of fish into limited spaces means that waste products, including waste, uneaten food and dead fish, are poured into the surrounding waters, polluting them. Besides, the pesticides and drugs used to treat conditions that upset fish in concentrated numbers can also affect local wildlife. Many farmed fish are fed on other fish, so the industry also puts pressure on wild stocks: about a fifth of all caught fish, some 18 million tonnes, is used for fish oil and fish meal production. There is also the problem of fish escaping, with potentially dangerous effects on surrounding ecosystems.

In 2018 the Scottish Parliament’s environment committee published a report into the fish farming industry’s environmental effects, stating that key problems simply hadn’t been tackled, and that the Scottish government’s plan to double salmon output by 2030could cause “irrecoverable damage” to ecosystems. Since then, protections have been toughened. There is now more pressure from regulators to situate farms in remote, deep-water locations. Meanwhile, though, catches of Scottish wild salmon have fallen to their lowest level since records began in 1952. “There are good reasons for fish farming and real dangers to it as well.” concludes an official. “The question is how to make it work.”

Folk tales have saddled the moon with major responsibilities: moods, increases in crime and even mental disorders are blamed on the Earth's only constant natural satellite. But could the "lunar effect" disturb sleep?

Scientists have long understood that human activity is facilitated by light, be it sunlight, moonlight or artificial light. But a recent study suggests our ability to sleep is distinctly affected by the lunar cycle, even when taking into account artificial sources of light.

Using wrist monitors, researchers tracked sleep patterns in 98 individuals living in three local communities in Argentina over the course of one to two months. One rural community had no electricity access, a second rural community had limited access to electricity, while a third community was located in an urban setting and had full access to electricity.

Participants in all three communities showed the same pattern of sleep oscillations as the moon progressed through its 29.5-day cycle, with sleep duration changing by between 20 and more than 90 minutes, and bedtimes varying by 30 to 80 minutes.

In each community, the peak of participants sleeping less and staying up later occurred in the three-to-five-day period prior to full moon nights, and the opposite occurred on the nights before the new moon, the authors found.

Unsurprisingly, data showed the "lunar phase effect" on sleep appeared to be stronger the more limited access to electricity was.

“The result strongly suggests that human sleep is synchronized with lunar phases regardless of ethnic and socio-cultural background and of the level of urbanisation," the researchers wrote in the journal Science Advances.

De la Iglesia added: “We humans tend to believe that we managed to somehow control nature, and the use of artificial light is a great example of that. But it turns out that there are some forces of nature that we cannot get away from.”

Derk-Jan Dijk, a professor of sleep and physiology and the director of a sleep research centre at the University of Surrey, described the study as exciting but noted that the researchers had not addressed internal influences such as body clocks that could affect sleep patterns.