Direction: This part is to test your ability to translate English into Chinese . Today you can do nearly all your banking by using your smart phone. Many of the major banks allow you to pay bills or transfer funds with a smart phone. Experts say that about 70% of Americans will use a mobile banking service in the near future. But some of them are worried about the safety of the mobile banking serv i ce. If you are to do banking frequently with your smart phone, you should get antivirus software and set a password on your phone.