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      Unit four
The Boy and the Bank

    Philip Ross

        bank / churches and churchgoers
    sentence understanding /word study
        questions on text
    Background: Banks

• Functions performed by
banks today have been carried
out by individuals, families, or
state officials for at least 4,000
• Banks first emerged in the
Middle Ages when people grew         Italian Banking in the
tired of carrying around all their   14th Century
gold and began leaving their
money with the goldsmith.
 Background:       Banks

• During the early Renaissance(欧洲14至16世纪
文艺复兴), as international trade revived, Italian
money changers once again appeared. They did
business in the streets from a bench (banca in
Italian; hence the word bank). Florence, Italy,
became a great banking center, dominated by the
Medici (梅第奇)family. The Medici family, one of
the most prominent banking families in Europe
during this time, became quite wealthy from its
banking and money lending practices.

 Background:        Banks

• With the growth of commerce and trade in
Northern Europe, the Netherlands(荷兰)became an
international financial center. The Bank of
Amsterdam(阿姆斯特丹/荷兰首都) was organized
in 1609. A chartered public bank(特许银行)was
opened in Sweden(瑞典)in 1656. Bank notes were
probably first issued in the 1660s by the Bank of
Stockholm(斯德哥尔摩/瑞典首都) in Sweden. It
was probably the first financial institution in the
world to issue standard-size payable-on-demand(随
到随付)bank bills, which eliminated the handling
of copper coins.                                      6
Background:          Banks
 • The Bank of France was founded in 1800. For most
 of the 19th century the money markets of Europe were
 dominated by the House of Rothschild. The house was
 operated by Rothschild and his oldest son, Amschel
 Mayer, until its dissolution in 1901. The four other
 Rothschild sons opened bank branches in Vienna,
 Austria; Naples(那不勒斯), Italy; London, England;
 and Paris, France. The London and Paris branches are
 still in operation.

     Frankfurt House
     of Rothschild
Churches and churchgoers

                 Nobody but poor folks get happy
                 in church.
                 ---Richard Wright, U.S. novelist.

The British churchgoer prefers a
severe preacher because he thinks a
few home truths will do his neighbors
no harm.
---Attributed to George Bernard Shaw,
                      Irish playwright.              8
       Sentence Understanding
1)Everything about him suggested a carefully
dressed authority.
---His clothes, his manner, etc. indicated that he
was a carefully dressed man who had an important
position and power.
2) Now if you will excuse me.
This expression is used when one wants to go back
to one’s work, or to attend to other customers, or
just to end the conversation.
3) I didn’t think twice.
I didn’t think very carefully.
4) Excuse me?
But why/ I don’t understand.
5) I had my opening.
I found a good chance to or to say something.
6) I moved in for the kill.
I began to prepare to kill, destroy or defeat my
enemy. He had a strong argument to silence the
bank officer.
7) How do you explain that?
What can you say to get out of this ridiculous logic?
8) Look, we’re just wasting each other’s time.
You are just talking nonsense. I don’t want to listen to
you any more.
9) …has been shaking the boy down…
….has been getting money from the boy by using
10) Anyway, the police are on the case.
Anyway, the police are working on the case.
 Word Study:
happen to do: occur by chance
We happened to be in the neighborhood.

happen: ---refers to accidental or unplanned
occur: ---refers to accidental or unplanned event;
        (more formal than happen)
take place: suggests that an event is/was planned
in the first / second…place: ---firstly / secondly…

in my / your… place: ---in my situation

overlighted: --- having too much light

over-: ---above; outside; across
      overcoat     overhead        overhang   overall
       --- to excess; too much
      overtime     overeat    overburden
      overcharge overweight overheated
   fortyish: at about the age of forty

-ish: 1). somewhat,near to
       reddish greenish yellowish darkish
    2). in the manner of
       foolish childish boyish womanish snobbish
    3). of a country
       Irish Polish Finnish Spanish

  mustache: hair on upper lip
  beard:     hair growing on man’s chin
  goatee:    short pointed beard
--- powers to give orders and make others obey
eg. The leader must be a person of authority.
--- person with special knowledge
eg. She is an authority on phonetics.
--- (pl.) person or group having the power to give
orders or take actions 掌权之人;当局
eg. the authorities concerned 有关当局
more than: (colloq.) ---very; extremely; beyond
      They were more than willing to help.
more… than…:
      The child was more frightened than hurt.
      He always seemed old to me, more like a
      grandfather than a father.
no more than: ---only; just / ---the same as
  It cost me no more than $5 to buy the book.
 He’s no more able to read Spanish than I am.
think twice about / doing sth: ---think carefully
before deciding to do sth
You should think twice about employing someone
you’ve never met.
Once bitten, twice shy. 一次上当,下次小心。
---(saying) after an unpleasant experience one
is careful to avoid sth similar
Lightning never strike in the same place twice.

---(saying) an unusual event, or one that happens
by chance, is not likely to occur again in the exactly
the same circumstances or to the same people.
as to +     whether : concerning / about / regarding
  I can’t decide as to when we should start.
  It’s still unclear as to whom this car belongs to.
  I don't know anything as to the others.
no… but to…:
     He had no choice but to sell the house.
(do / did/ does) + no… but do:
     I did nothing but follow the rules.               18
one cannot / couldn’t but do sth:
--- (formal) have to
I couldn’t but admit that he was right.
(negative word) + but + clause:
---without the result that
 No man is so old but he may learn.
 ( No man is too old to learn.)
but for sb / sth: --- without sb / sth
But for the rain, we would have had a nice holiday..

move in sth: --- live, be active, pass one’s
     time, etc. in a particular social group
 She moves in the highest circles of society.

move in for sth: --- become active in doing sth
  I moved in for the kill.
move in on sb / sth: ---approach sb / sth, esp.
   in a threatening way
 The police moved in on the terrorists.

 zero in on sb / sth:
 ---aim guns, etc. at or find the range of ( a
    particular target)
 --- fix attention on sb / sth; focus on sb /
 We should zero in on the key issues for

An enemy battery zeroed in on the crossroad.
damn: adv. very
       damn good / clever / well
1)How do you understand the author’s friend’s
   attitude toward banks?
     The author’s friend hates banks, saying
   that they act like churches.
2) What can banks do for us? And what about
  Banks keep, land and issue money as well as offer
  many      other    financial   services  such     as
  deposits, loans, exchange, savings, etc.. They also
  help to regulate the economy with changes in
  interest rate in money supply.
  Churches represent Almighty God; lt has right to tell
  people what to do and what not to do.
3) Are there any differences and similarities
   between banks and churches?
  They are ordinary stores. But a bank’s
   goods happen to be money.
4) What do you think of the ending of the story?
   What effect may it bring to the story?
    The ending of the story is unexpected. It
   may bring the story interesting.
   This article seems to prove that the
   prejudices of people like the author are

Dramatize the story and act it out.

   Dramatize the story and act it out.
B: But I don’t understand. I opened the account
  myself, so why can’t I withdraw any money?
O: I’ve already explained to you that a fourteen-year-
  old is not allowed to withdraw money without a
  letter from his parents.
B: Nut that doesn’t seem fair. It’s my money. I put it
  in. it’s my account.
O: I know it is, but those are the rules. Now if you’ll
  excuse me. May I help you, sir?
N: I was going to open a new account, but after
  seeing what going on here, I think I’ve changed
  my mind.                                                25
O: Excuse me, sir?
N: Look. If I understand what’s going on here
  correctly, what you are saying is that this boy is
  old enough to deposit his money in your bank
  but he is not old enough to withdraw it. Since
  there doesn’t seem to be any question as to
  whether it’s his money or his account, the bank’s
  so-called policy is clearly ridiculous.
O; It may seem ridiculous to you, but that is the
  bank’s policy and I have no other choice but to
  follow the rules.
N: Have you withdraw money before by yourself?
B: Yes.                                                26
N: How do you explain that? Why did you let him
   withdraw money before, but not now?
O: Because the tellers were not aware of his age before
   and now they are. It’s really very simple.
N: You’re really getting cheated. You ought to get your
   parents to come in here and protest.
O: You know, you really shouldn’t have interfered.
N: Shouldn’t interfered? Well, it damn well seemed to me
   that he needed someone to represent his interests.
O: Someone was representing his interests.
N: And who might that be?
O: The bank.
N: Look, we’re just wasting each other’s time. But
   maybe you’d like to explain exactly how the
   bank was representing that boy’s interests?
O: Certainly. We were informed this morning that
   some neighborhood bully has been shaking
   this boy down for more than a month. The
   other guy was forcing him to take money out
   every week and hand it over. The poor kid was
   apparently too scared to tell anyone. That’s the
   real reason he was so upset. He was afraid of
   what the other guy would do to him. Anyway,
   the police are on the case and they’ll probably
   make arrest today.
N: You mean there is no rule about being too
   young to withdraw money from a savings
O: Not that I ever heard of. Now, sir, what can
   we do for you?