练习材料：
Lesson 12-1 Banks and their customers
When anyone opens a current account at a bank, he is lending the bank money, repayment of which he may demand at any time, either in cash or by drawing a cheque in favour of another person. Primarily, the banker-customer relationship is that of debtor and creditor -- who is which depending on whether the customer's account is in credit or is overdrawn. But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another. Many of these obligations can give in to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.
ˈlɛsn 12-1 bæŋks ænd ðeə ˈkʌstəməz
wɛn ˈɛnɪwʌn ˈəʊpənz ə ˈkʌrənt əˈkaʊnt æt ə bæŋk, hiː ɪz ˈlɛndɪŋ ðə bæŋk ˈmʌni, riːˈpeɪmənt ɒv wɪʧ hiː meɪ dɪˈmɑːnd æt ˈɛni taɪm, ˈaɪðər ɪn kæʃ ɔː baɪ ˈdrɔːɪŋ ə ʧɛk ɪn ˈfeɪvər ɒv əˈnʌðə ˈpɜːsn. ˈpraɪmərɪli, ðə ˈbæŋkə-ˈkʌstəmə rɪˈleɪʃənʃɪp ɪz ðæt ɒv ˈdɛtər ænd ˈkrɛdɪtə -- huː ɪz wɪʧ dɪˈpɛndɪŋ ɒn ˈwɛðə ðə ˈkʌstəməz əˈkaʊnt ɪz ɪn ˈkrɛdɪt ɔːr ɪz ˌəʊvəˈdrɔːn. bʌt, ɪn əˈdɪʃ(ə)n tuː ðæt ˈbeɪsɪkəli ˈsɪmpl ˈkɒnsɛpt, ðə bæŋk ænd ɪts ˈkʌstəmər əʊ ə lɑːʤ ˈnʌmbər ɒv ˌɒblɪˈgeɪʃənz tuː wʌn əˈnʌðə. ˈmɛni ɒv ðiːz ˌɒblɪˈgeɪʃənz kæn gɪv ɪn tuː ˈprɒbləmz ænd ˌkɒmplɪˈkeɪʃənz bʌt ə bæŋk ˈkʌstəmə, ʌnˈlaɪk, seɪ, ə ˈbaɪər ɒv gʊdz, ˈkænɒt kəmˈpleɪn ðæt ðə lɔː ɪz ˈləʊdɪd əˈgɛnst hɪm.
任何人在银行开一个活期账户，就等于把钱借给了银行。这笔钱他可以随时提取，提取的方式可以是取现金，也可以是开一张以他人为收款人的支票。银行与储户的关系主要是债务人和债权人的关系。究竟谁是债务人谁是债权人，要看储户是有结余还是透支。除了这一基本的简单的概念外，银行和储户彼此还需承担大量义务。其中许多义务往往引起问题和纠纷。但是储户不能像货物的买主那样来抱怨法律对自己不利。
任务配置：L0、L3、L4
知识笔记：
单词与短语
at any time随时
drawing a cheque in favour of 开一张以...为收款人的支票
Primarily/ ˈpraɪmərɪli/
debtor and creditor 债务人和债权人
in credit or is overdrawn结余还是透支
be loaded against sb对某人不利
练习感悟：早上练习复述，晚上练习其它的，感觉任务轻松了很多，最有挑战性的先完成了。
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