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Loyalty cards and insurance会员卡和保险Every little helps积少成多As it pushes into finance, Tescorsquo;s Clubcard gives it a competitive edge乐购进军金融界,其会员卡为之奠定优势SOME young drivers get tanked up and wrap their cars round lampposts; others drive carefully, and sober. Insurers would love to collect more background information on the personal habits of those buying motor, household and life policies, but do not want to put off potential customers with intrusive questionnaires. So they end up pooling groups of people by such basic factors as age, occupation and postcode, which means that some low-risk customers are lumped in with risky ones and subsidize their cover.一些年轻的司机给车加满油,不开而是停在路灯边上;也有一些谨慎上路,不过时刻清醒绝不酒驾。之于购置汽车,家居用品和人寿保险的消费者,保险商更乐意于收集他们的个人喜好,而不是用无礼的问卷赶走潜在客户。因此他们趋向于将收集的信息划成年龄,职业,地域邮编等分类,也就是说把不乐意冒风险的和有冒险意识的客户放在一起考虑,用后者的投资弥补前者的保险金。If only insurers could stealthily gather a few titbits about their potential policyholdersrsquo; consumption habits. Such hints might help them more accurately target those customers least likely to make claims, and attract them with better rates. As it happens, Tesco routinely collects such information from holders of its Clubcard loyalty card. As it bulks up in financial services, that may give Britainrsquo;s largest supermarket chain an edge over traditional insurers.若保险公司真能暗地里收集到些许潜在投保人的消费喜好也不是坏事。这些线索能帮他们更准确的找出不愿投保的人,并以优惠的利率将其吸引过来。碰巧乐购长期以来也正用会员忠诚卡收集客户的信息。乐购在金融务业正日益壮大,相较于传统保险公司,这种忠诚卡将会使这个英国最大的超市产业链在信息收集上更具优势。To give an obvious example, it would be worth offering pet insurance to someone who has started buying kitty-litter. Buying lots of booze does not make you a drunk-driver, but someone who buys little or none seems less likely to be one. Buyers of window locks are likely to be more security-conscious, and so on.举个典型的例子,向开始买猫砂的人推销宠物保险是值得一试的;疯狂买酒的人不一定会酒驾(车祸保险),但几乎不买酒的人可能性更小;买窗锁的人极有可能安全意识较强,等等。Tesco declined to discuss how it uses Clubcard data for this article. But a group of students at the London School of Economics carried out a class project in which they made several applications for Tesco car insurance. When they gave the number of an unused Clubcard it earned a 1% discount. When they gave the same personal details but ed the numbers of heavily used Clubcards, the discounts varied greatly, reaching 18%. To paraphrase Tescorsquo;s slogan, it seems that every little scrap of information helps.乐购拒绝在如何利用会员卡收集信息方面谈得过多。但伦敦经济学院的一组学生对此做了课题并投保了乐购车险。当他们报出一张已经闲置不用的卡号时,只得到1%的折扣;而当他们用同样的身份信息加上频繁一个使用的卡号时,折扣大的多,将近有18%。借用乐购的标语,似乎正是涓流成河,积少成多。201111/161224Africans Await Obama Inauguration with Mixed Expectations非洲人对奥巴马即将就任期待不同  People around the world are looking forward to the inauguration of Barack Obama on January 20 as president of the ed States. Many hope he will bring change to a world they believe is in crisis. For others, Mr. Obama's ancestral roots in Africa mean even more. 世界各国人民都在期待着奥巴马1月20号就任美国总统。许多人希望他能给处于危机中的世界带来改变。奥巴马的非洲血统也对一些人有着超乎寻常的意义。Millions of members of the African diaspora stayed up all night, like many people in America, to cheer when Barack Obama was declared the next president of the ed States. 千百万的非洲人和许多美国人一样等待,在奥巴马被宣布将成为美国下一任总统时欢呼雀跃。A professor at Johannesburg's Witwatersrand University, Veronique Tadjo, says for people with African ancestry it was an emotional as well as historic moment. 约翰内斯堡金山大学的教授塔乔说,对有着非洲血统的人们来说,这是一个充满感情而且具有历史意义的时刻。"Obama has brought a big hope and has changed a lot of things for a lot of people in terms of how they view themselves. A black man becoming the most powerful man on the planet is something that is very important," she said. 她说:“奥巴马带来了巨大的希望,而且改变了许多人对自己的看法。一个黑人能成为全世界上最有影响力的人,这是非常重要的历史事件。”But an African-American researcher who has lived on the continent for 13 years, Francis Kornegay of Johannesburg's Institute for Policy Studies, says African commentators are warning against expecting too much from the Obama presidency. 不过,约翰内斯堡政策研究所的研究员利恩盖说,非洲的人士正在提醒人们不要对奥巴马的任期抱有过高的期望。利恩盖是一名非洲裔美国人,他已经在非洲生活了13年。"There is a lot of euphoria around his becoming president and a feeling that because of that he will give the continent a lot of attention. But there is nothing that really goes beyond that, that critically looks at what is in prospect," he said. 他说:“奥巴马当选总统这件事给人们带来了巨大的喜悦,人们觉得,因为他成了总统,他就会特别关注非洲。然而,如果认真地分析一下未来的情况,你就会发现,奥巴马能给非洲人带来的仅仅是喜悦而已。”Kornegay notes that the Obama administration will inherit several crises that are priorities for U.S. policy, namely Iraq, Afghanistan, the Middle East conflict, Pakistan and India. 他指出,奥巴马的政府班子将接手处理几项危机,这些危机也是美国最重要的政策议题,那就是伊拉克、阿富汗、中东冲突、巴基斯坦和印度。"That is where the focus of U.S. policy is going to be. So there is no realistic prospect that Africa would overtake any of those concerns. On the other hand there are some pressing security concerns on the continent," said Kornegay. 他说:“这些问题才是美国政策关注的焦点。认为非洲的重要性将超过这些议题只是不切实际的想法。不过,从另一方面讲,非洲大陆上也的确有一些紧迫的安全问题值得美国关注。”For example, he says new ideas are needed for the crisis in Somalia, which after two decades as a failed state and millions of dollars in aid is about to be overtaken by Islamic militants. 他说,比如,需要想出新的办法来处理索马里危机。索马里政府在过去20年中执政失败,虽然得到了数百万美元的援助,索马里却即将被伊斯兰激进分子控制。Darfur and eastern Congo are simmering conflicts that risk exploding into war again. And Zimbabwe will need concerted international action, preferably through African multilateral groups, to prevent a massive humanitarian crisis. 此外,苏丹的达尔富尔地区和刚果东部地区不断酝酿冲突,可能会再次暴发战争。在津巴布韦,国际社会最好能通过非洲多边组织协调行动,以防止那里出现大范围人道主义危机。Tadjo says she hopes the Obama administration will adopt a tough stance with African leaders who abuse their powers and their people. 金山大学的塔乔教授说,她希望奥巴马政府能对那些滥用权力、迫害人民的非洲国家领导人采取强硬立场。"Our main problem is leadership and bad governance so until we sort this out, there is nothing we can do," she said. "In Africa there are countries that are extremely rich in terms of natural resources, but nothing is happening. So, governance, governance, governance." 她说:“我们的主要问题是领导问题和糟糕的政府,在解决这个问题之前,我们什么都做不了。有一些非洲国家拥有非常丰富的自然资源,但却没有取得一点进步。所以最重要的是政府的执政水平。”But Senegalese analyst Lamine Savane says whatever the policy goals, a new style of leadership is needed. 塞内加尔分析人士萨瓦内说,无论设定什么样的政策目标,美国都需要一种新的领导风格。"What is it [leadership] going to be? Is it going to be a big brother-little brother in a positive way? Or is it going to be a big brother in a bully way? I think the way the world is today, the bully thing does not work anymore," said Savane. 他说:“新的领导方式会是什么样呢?是正面的、像兄长照顾弟弟般的态度么?还是以大欺小的态度?我认为,在当今的世界中,恃强凌弱的领导方式已经不能再发挥作用了。”Tadjo, who is of French-Ivorian heritage, says she fears Mr. Obama will face additional challenges because of his mixed-race heritage. 塔乔教授是法国和科特迪瓦混血。她说,她担心奥巴马的美国和肯尼亚混血儿身份可能会使他面对更多的挑战。"It will be a hard presidency, and from both sides, from the white side people waiting for him to fail, and from the black side because people have always looked at mixed-race people with a bit of suspicion, who are they, who do they represent? So he is going to have a tough job," she said. 她说:“他的任期将会很艰难。白人等着看他失败,而黑人一直对混血儿抱有怀疑的态度,他们会问:他是谁?他代表谁的利益?因此,奥巴马这个总统很不好当。”But many believe Mr. Obama can also be a bridge between races, cultures and peoples. And they hope he will listen and bring greater balance to relations between Africa and the ed States. 不过,许多人相信,奥巴马能成为不同种族、文化和民族间的桥梁。他们希望奥巴马能倾听人们的意见,使非洲和美国的关系更趋于平衡。01/60726Reality TV school 培训学校 OK, here comes the school which can train you who want to get fame or anything else in a reality TV show.Why are these people subjecting themselves to this crazy exercise? They're building their emotional endurance because they desperately long for a chance at this-"She bangs, she bangs"-possible superstar among American Idol.‘? ever think about it, it was grotesque.’I can't say love on The Bachelorrete, (No, I can’t.) or maybe just a good old cat fight on Flavor of Love. ("No way, slap me bitch, or what...")Yes it seems these days everyone wants a piece of reality TV.“I love reality TV, I think my personality will be great for a reality show The hope is that the fame will actually last and for a lucky few it has.Elizabeth Hasselbeck ,a Survivor alarm, has become a star on the view. (I just don’t understand why it’s my fault.) And Jennifer Hudson crooned her way from an American Idol nobody to Oscar Gold. (Look what God can do.) Perhaps you could be the next reality show's super story if only you have some coaching. (Bring it in? Let it out) Welcome to the New York Reality TV School (A little bit noise, breathe, ahaaaaa.) where extroverts, hams(ham :An incompetent actor who overplays 夸张的表演者)and dreamers have come to free their inhibitions and get comfortable in front of TV cameras so they can hopefully one day land that "make it or break it" role.‘Well I'm a dermatologist, and I came here to learn how to present myself on camera.’‘I'm a firefighter and improviser ,and I came and check it out.’"Being at a certain age I want to portray on reality shows, how a succeed/ed/ woman does in reality TV." "Feet, shoulder-length, apart (脚与肩宽), let’s just put our hands on the hips and roll your hips(扭跨)."The school is the brainchild of acting coach Robert Galinsky, the seminar‘s cost 139 dollars a pop, and the curriculum is all about, e" being real".The cameras’ right in this room, soon enough you are gonna forget they’re there."I'm coaching them to be themselves, to be clear about what makes them unique."He also teaches confidence and strategy, he calls this exercise "the perp walk"(slang, 类似于警察拉着罪犯游街示众). By the way it feels absolutely awful."We have them walk through that line, and have to build up some emotional immunity to what's going on because it's very much like a reality show."While yelling and the cameras were too much for one woman, she actually broke down while we were there. And the pressure let another man to literally explode.‘No, it’s…’I mean, you got metrosexual(metrosexual 是走中性风的都市美型男,但总体来说与gay有很大差别,以新潮发型、钻石耳钉和在海滩穿着布裙而著名的小贝就是“都市中性男”的典型代表。)perfect guy here ,/ insult him as I walked past and you got, you know, cheerleader over here , you got college girl with boy scout over here...’It tends to be the craziest people that win, so it's almost like you teach them how to be themselves in their most crazy form."To be comfortable with yourself in your most crazy form, definitely a part of it."Galinsky even crowds an impressive group of D-list(very minor celebrity) reality celebs to give the students tips. Among them is a star student, Jorge Bendersky. Just months ago Jorge was an average New York dog-groomer. But he felt he had "TV potential".I'm good at what I do, I'm funny".So when he heard Cable Channel Animal Planet was doing a competitive reality show for dog-groomers?"I was like, oh my god, that is just screaming my name." He just knew it was his destiny."I was so excited until I really tried to do their auditioning tape. That was a disaster."And we hire Robert Galinsky for coaching, and the rest is TV history.Jorge made it to the final three on Groomer has it. (Groomers, the judges have made their decision.) He didn't win the cash prize but he did win a little bit of fame."I'm hot and hit(出名), as usual, I’m hot and hit, hey.’"Who knows? Maybe I do have a future on the entertainment industry, you know, 'Grooming dogs would (be) hot and hit?, hot and delicious(老美喜欢这样换词,delicious:Very pleasant; delightful: 有趣的;宜人的), let's make the dog hot and delicious."Yah, Ok for now he is doling out (bestow, as in small portions) tips to other wannabes at the reality school. Once they get the show they need that out of you and then you can concentrate on the challenge.The class also preps them to be comfortable with emotional cast mates. Remember her?"I'm sorry I had a breakdown,/ just want, let you know that, I was hired by New York Reality School to do my little sit?"And that guy, he was a "hired plan", too. There're obstacles and stressful moments that cast members also bring on, the calmer you are, the clearer your head is, the better your decisions will be."If you think this school is a bunch of baloney(胡说八道), testing agent Risa Tanania says reality TV is a serious business."People who want to either be in the spotlight or have a story to tell,or have a name to sell or whatever it is,this is a very serious avenue."So here are the top tips you can't live without.No.1: Don't perform--be yourself. If I wanted an actor, I would hire an actor. So don't song and dance me.No.2, be open about personal issues. You’ve got to always be y to be on the surface with your personal issues, whatever they are. People are not asked to come onto reality shows to be private and reclusive.No.3, be camera-pretty.I don't like Chinese people on TV.I don't like Chinese foreheads.No.4, speak in sound bites to increase your airtime. Just train yourself to always include the question on your answer. Tongue bites are so important because that's what people is going to remember.And finally, No.5, be a hero. Your future is going to go, God knows where? You wanna be likable.Maybe if you are likable enough, a little of the fame last. 'Hot and Delicious'is going to be global.That's the funny thing about getting big by a little bit of fame. "I get to have my celebrity picture"---makes a lot of people yearn for a little bit more.I'm Gigi Stone from Night Line in New York.200811/56846Obama Prepares for State of Union in Evolving Political Landscape奥巴马在政局波动时准备发表国情咨文U.S. President Barack Obama is preparing to deliver his State of the Union Address at a time of political turmoil in Washington. Voter anger is high, and a Republican Senate victory in Massachusetts has sent shock waves through the president's Democratic Party.正值华盛顿政局波动之际,美国总统奥巴马准备发表他的国情咨文。选民的愤慨之情高涨,而麻萨诸塞州共和党人在参议院赢得的胜利震撼了总统的民主党。White House officials say they understand why emotions are running high. The president's top political aide says President Obama has had to take unpopular action to deal with an economic crisis far worse than anyone expected when he took office.白宫官员说,他们理解为什么选民的愤慨情绪高涨。总统的高级政治顾问大卫.阿克塞尔罗德说,奥巴马总统一直不得不采取有失人心的行动来应对经济危机,而这次经济危机的严重程度大大超过他就职时的预计。David Axelrod says he warned the president early on that his public approval ratings were likely to drop. "I said to him a year ago, Mr. President your numbers are going to be considerably worse a year from now than they are today because you can not govern in an economy like this without great disaffection," he said.阿克塞尔罗德说,他曾经提醒总统公众持率很可能会下降。阿克塞尔罗德说:“一年前我曾对他说,总统先生,一年后你的得分会比今天糟糕得多,因为当你治理这种状况的经济时,人们的强烈不满是不可避免的。”Axelrod told the A television program This Week that he believes the president did the right thing. "I have no regrets about that. I think history will look back and say the President of the ed States met his responsibilities," he said.阿克塞尔罗德在美国广播公司的“本周”电视节目上说,他认为总统的行动是正确的。阿克塞尔罗德说:“我对此并不感到遗憾。我认为当人们回顾历史的时候会说:这位美国总统是称职的。”But Republicans say the win by Scott Brown in usually reliably Democratic Massachusetts shows the public vehemently disagrees with the president's policies - most notably his drive to get legislation through Congress to overhaul the nation's health care system.但是共和党人说,斯科特.布朗在通常是民主党人稳坐江山的麻萨诸塞州赢得的胜利显示,美国公众激烈反对总统的政策,其中最引人注目的是他努力推动国会立法、全面改革美国的健保制度。201001/95470Japan high-tech toilet makers flush with successIn Japan, the global leader in high-tech toilet design, the latest restroom marvel should come with a health warning for hypochondriacs -- it doubles as a medical lab that can really spoil your day.Japanese toilets have long and famously dominated the world of bathroom hygiene with their array of functions, from posterior shower jets to perfume bursts and noise-masking audio effects for the easily-embarrassed.The latest "intelligent" model, manufactured by market leader Toto, goes a step further and isn't for the faint-hearted: it offers its users an instant health check-up every time they answer the call of nature.Designed for the housing company Daiwa House with Japan's growing army of elderly in mind, it provides urine analysis, takes the user's blood pressure and body temperature, and measures their weight with a built-in floor scale."Our chairman had the idea when he was at a hospital and saw people waiting for health checks. He thought it would be better if they could do the health tests at home," says Akiho Suzuki, an architect at Daiwa House.Toto's engineers developed a receptacle inside the basin to collect the urine for sugar content and temperature checks, and an armband to monitor blood pressure. The out is displayed on a wall-mounted computer screen."With the current model, your data is sent automatically to your personal computer, and then you can email it to your doctor," said Suzuki."In the next generation model, the data will be sent automatically to family members or doctors via the Internet," she said.The electronic marvel, called the "Intelligence Toilet", is capable of storing the data of up to five different people and retails for 350,000 to 500,000 yen (about 4,100 to 5,850 dollars) in Japan, she said."For now our customers are essentially middle-aged and senior people. But we hope the young generation will also become more health-conscious."The model is the latest advance in a string of sophisticated toilets, known as "washlets" in Japan, which have become ubiquitous in recent decades.Vocabulary:hypochondriac: a person who suffers from hypochondria; hypochondria is a state in which somebody worries all the time about their health and believes that they are ill when there is nothing wrong with them(疑病患者)posterior: the part of your body that you sit on; your bottom(臀部;屁股)faint-hearted: lacking confidence and not brave; afraid of failing(胆怯的;怯懦的)answer the call of nature: 上洗手间washlet: 自动喷水马桶,卫洗丽ubiquitous: seeming to be everywhere or in several places at the same time; very common(似乎无所不在的;十分普遍的)背单词 — 装英语词汇201008/112607

The famine sweeping southern Somalia is posing a painful challenge to humanitarian organizations. Children are dying by the thousands just a few kilometers from warehouses full of emergency food supplies. But the countryside is still a war zone controlled by an al-Qaida linked extremist group that restricts humanitarian access, and has killed aid workers.对于人道救援机构来说,索马里南部遭遇的饥荒是一个很大的挑战。问题不是缺乏紧急救援食品和物资,而是如何把这些食品和物资送到急需救援的大人和孩子的手上。一个和基地恐怖组织有关联的极端主义团伙目前仍然控制着索马里郊外;这个团伙对救援机构的行动,施加了很多的限制,一些救援人员甚至遭到了杀害。在这种形势下,就出现了救援物资到不了目的地的情况;以至于在救援物资囤积不远处、几公里以外,处在饥荒之中的儿童成百上千地死去的状况。The roads into Mogadishu are dotted with families streaming in from parched southern Somalia in hopes of saving their wafer-thin children from starvation. But even in the capital, the prospect of survival is little better.在去往索马里首都加迪沙的路上,到处可见来自南部旱灾灾区的大人和孩子。这些人拖家带口,到加迪沙,无非是希望让骨瘦如柴的孩子不至于饿死。不过,即便是到了加迪沙,存活的机率也不见得高到哪儿去。Twenty-six-year-old Hamsa Ali and her six children were part of a small community that packed their belongings and walked 20 days to get to Mogadishu. Fifteen died along the way, and now children weakened by malnutrition are dying of measles.26岁的海姆莎·阿里带着六个孩子,跟随其他人一道,卷了铺盖卷,走了20天的路,终于到了索马里首都加迪沙。路上,他们一行人当中,就死掉了15个;如今,到了加迪沙之后,营养不良的孩子,又有不少,正在被麻疹等疾病夺去生命。She said her three-year old boy became swollen, contracted measles and died a few days ago.海姆莎·阿里说,她的三岁的儿子得了麻疹几天前就这么死去的。Her group has taken refuge in the remains of an Italian-colonial-era church, but it offers little protection from the elements, and the crowded conditions invite disease. Officials say hastily-erected tent communities like this one are at the breaking point. New camps spring up every day. Some stocks of emergency food have arrived at a U.N. World Food Program warehouse in Mogadishu. More is on the way, and much more is needed, but the vexing question is how to get the food to people before they starve. 联合国下属的世界粮食项目在加迪沙设有一个专门存放紧急救援物资的仓库;一些救援食品刚刚被送到这里,而且更多的救援食品也已经在路上了。不过,救援人员目前面临的一大问题是,如何把这些物资送到那些需要的饥民手上,让他们活下来。201108/148964

U.S. Defense Secretary Robert Gates called on the NATO alliance Tuesday to chart a clear path toward relevance and enhanced capability as it faces a different set of threats than it was founded to address more than 60 years ago. Gates wants a key NATO document being drafted this year to advance a transformation theme U.S. leaders have been pressing for a long time.星期二,美国国防部长盖茨敦促北约盟国制定一条清晰的路线,以便适应目前北约所面对的与其60多年前创建时不同的威胁以及加强自身能力。盖茨希望北约今年草拟的一项重要文件将促进美国领导人长期以来一直在推动的转型过程。Secretary Gates told a NATO conference in Washington that the new Strategic Concept officials are set to write this year needs to address a wide range of issues in what he called a "succinct,... comprehensible and compelling" document that impresses Europeans raised in a post-Cold War and post-September 11 world.盖茨在华盛顿召开的一次北约会议上说,有关官员定于今年起草的新战略概念必须针对一系列广泛的问题。他说,这将是一个简洁、透彻和有力的文件。这个文件将触动在后冷战时期和9-11事件之后的世界中成长起来的欧洲人。"The demilitarization of Europe - where large swaths of the general public and political class are averse to military force and the risks that go with it - has gone from a blessing in the 20th century to an impediment to achieving real security and lasting peace in the 21st [century]," he said.盖茨说:“欧洲的非军事化已经从20世纪的一件好事变成在21世纪实现真正安全和持久和平的障碍,在欧洲,数量众多的一般公众和政界人士都不喜欢军事力量以及随之而来的危险。”Secretary Gates said Europe's people must come to understand the importance of the North Atlantic Treaty Organization as an international security alliance, not just an organization for the protection of Europe's territorial integrity, as it was at its founding in 1949.盖茨说,欧洲人必须理解北大西洋公约组织的重要性,北约不仅是一个国际安全联盟,而且是一个保护欧洲领土完整的组织,正如北约在1949年创建时那样。"Threats are more likely to emanate from failed, failing or fractured states than from aggressor states, where dangerous, non-state actors often operate from within nations with which we are not at war, or from within our own borders, and where weapons proliferation and new technologies make possible the specter of chaos and mass destruction in any of our capitals," he said .盖茨说:“威胁更可能来自那些已经失败或者正在失败的国家以及那些分裂的国家,而不是来自那些具有侵略性的国家。那些危险的行动者并非国家,他们在我们的境内活动,或者在一些国家内部活动,而这些国家与我们并不处于战争状态。武器扩散和新技术使得我们任何一个国家的首都都可能发生混乱和遭到大规模杀伤。”201002/97297

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