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　　Given the advantages of electronic money, you might think that we would move quickly to the cashless society in which all payments are made electronically. ___1___, a true cashless society is probably not around the corner. Indeed, predictions of such a society have been ___2___ for two decades but have not yet come to fruition. For example, Business Week predicted in 1975 that electronic means of payment “would soon revolutionize the very ___3___ of money itself,” only to ___4___ itself several years later. Why has the movement to a cashless society been so ___5___ in coming?

　　Although e-money might be more convenient and may be more efficient than a payments system based on paper, several factors work __6___ the disappearance of the paper system. First, it is very ___7___ to set up the computer, card reader, and telecommunications networks necessary to make electronic money the ___8___ form of payment. Second, paper checks have the advantage that they ___9___ receipts, something that many consumers are unwilling to ___10___. Third, the use of paper checks gives consumers several days of "float"-it takes several days ___11___ a check is cashed and funds are ___12___ from the issuer's account, which means that the writer of the check can earn interest on the funds in the meantime.

___13___ electronic payments are immediate, they eliminate the float for the consumer. Fourth, electronic means of payment ___14___ security and privacy concerns. We often hear media reports that an unauthorized hacker has been able to access a computer database and to alter information ___15___ there.

　　Because this is not an ___16___ occurrence, unscrupulous persons might be able to access bank accounts in electronic payments systems and ___17___ funds by moving them from someone else’s accounts into their own. The ___18___ of this type of fraud is no easy task, and a whole new field of computer science has developed to ___19___ security issues. A further concern is that the use of electronic means of payment leaves an electronic ___20___ that contains a large amount of personal data on buying habits. There are worries that government, employers, and marketers might be able to access these data, thereby encroaching on our privacy.

　　1. [A] However [B] Moreover [C] Therefore [D] Otherwise

　　2. [A] off [B] back [C] over [D] around

　　3. [A] power [B] concept [C] history [D] role

　　4. [A] reward [B] resist [C] resume [D] reverse

　　5. [A] silent [B] sudden [C] slow [D] steady

　　6. [A] for [B] against [C]with [D] on

　　7. [A] imaginative [B] expensive [C] sensitive [D] productive

　　8. [A] similar [B] original [C] temporary [D] dominant

　　9. [A] collect [B] provide [C] copy [D] print

　　10. [A] give up [B] take over [C] bring back [D] pass down

　　11. [A] before [B] after [C] since [D] when

　　12. [A] kept [B] borrowed [C] released [D] withdrawn

　　13. [A] Unless [B] Until [C] Because [D] Though

　　14. [A] hide [B] express [C] raise [D]ease

　　15. [A] analyzed [B] shared [C] stored [D] displayed

　　16. [A] unsafe [B] unnatural [C] uncommon [D] unclear

　　17. [A] steal [B] choose [C] benefit [D] return

　　18. [A] consideration [B] prevention [C] manipulation [D] justification

　　19. [A] cope with [B] fight against [C] adapt to [D] call for

　　20. [A] chunk [B] chip [C] path [D] trail

　　答案：

　　1-5: ADBDC

　　6-10: BBDBA

　　11-15: ADCCC

　　16-20: CABAD