请帮我写一下期末考试英语作文,很简单的,十万火急,谢了~

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My answer to this question is YES. Banks play in the development of industry and wealth. It is more than just an institution for people to save or withdraw money. The real nature of banks is exchange. Without exchange, when man was in the savage or pastoral stage, he produced for himself everything he consumed.For example,(\u81ea\u5df1\u4e3e\u51e0\u4e2a\u4f8b\u5b50\uff0c\u6bd4\u5982\u751f\u4ea7\u9762\u5305\u7684\u8981\u82b1\u94b1\u4e70\u9762\u7c89\uff0c\u4ed8\u5de5\u8d44\u7ed9\u5de5\u4eba\u76f4\u5230\u9762\u5305\u552e\u51fa\u7b49\u7b49\uff0c\u4e00\u4e2a\u4f8b\u5b50\u7ea6\u4e09\u5341\u6765\u4e2a\u8bcd\u5427)\u3002These conditions would be as nearly impossible without banks as would be an efficient exchange system without money

Furthermore, If everyone who needed to borrow money was forced to search about for someone who had just the right amount to loan, there wouldn't be much business.

On top of that, banks are storehouses where the equivalent of money may be accumulated and loaned for the purpose of creating more wealth.

if most banks went bankrupt after the crisis, that would be a disaster to the economy. Even though most deposits (such as savings and checking) at registered banks may insured by the government (also in some cases you could not get all your money back according to your account type and balance). People stll lost big time and didn't trust anyone to hold a nickel. If we do have a major bank collapse, it will domino from one to another and the losses will be more than can be covered.

have received your letter about asking me for the advice about learning English. Now I\u2019d like to tell you how you should learn English.
First of all, you should often read English aloud and try to learn something important by heart, which helps you to remember them easily and form a good habit of thinking in English. Besides, you should listen a lot and communicate with others in English. In this way, you will improve both your listening ability and your spoken English as well. What\u2019s more, you should keep a diary in English every day and your written English will come better and better.
I hope what I\u2019ve said is useful to you. I\u2019m looking forward to your good news Dear Wang Gang\uff0c
I have received your letter about asking me for the advice about making friends. Everyone needs friends. A friend can give us help and share our difficulties and happiness. But how can we make friends?
First, to make friends, you must be friendly to others. Smile at others and you are sure to get a smile in return. You should try to make a stranger feel at home wherever he happens to be. Think more of others than of yourself and never judge a person by his appearance and clothes.
Second, friends should negotiate instead of quarrel. When you don\u2019t agree someone, please discuss with him.
Finally, never believe in those who leave you when you are in trouble. And never leave your friend when he is in trouble. Remember, a friend in need is a friend indeed.
Friends should be faithful to each other. So long as you can put your friend\u2019s interests in front of yours, you will have a lot of good friends.

我觉得这个人的文章不错,,,时间:2010-02-28 15:51作者:ˉFiancée 点击:54937次
When I was a little girl ,I dreamed to grow up. Because I think a child doesn't has freedam,and can't do anything himself.
But now I have grow up,to my surprise,I feel more tired and have more surfrng.Though I can do something myself, I don't feel happy at all.

I believe you also have the same thoughs with me. when every us was a child , we wanted to grow up, but when we became a older man,we don't have such nice life as wish.

So whatever we are children or adults, we should try to make our life better, and make ourselves more happy. we should try our best to study hard, then we can let parents have goog life, too!

Let's do our best to do ourself ! Believe yourself ! You are the best!

你是王小俊,你在昨天(11月17日)下午4点15分接到一个电话,来电人为上海三友书店的Gerald River先生,来电找Steve Anderson,告诉他订的书将于下周一发货,Steve Anderson正巧不在,你记下了留言,留言要求Steve Anderson回电,回电号码为021-65347899,分机号码为23

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