听力原文：M: I have to change a hundred-dollar bill before we get back to the office. It'll just take a few minutes. I hope you don't mind. W: No, I don't mind. But Joe, you are crazy. M: Why? W: Carrying around all that cash is dangerous! Do you always have that much cash on you? M: Usually. W: Don't you have a checking account? M: Opening a checking account is such a hassle. It took me two hours just to get a safe deposit box. I hate standing in lines. W: Well, no one enjoys standing in line, but, Joe, opening a checking account is the easiest thing in the world. M: Oh, I'm used to using cash for everything. W: You'll get used to checks soon enough. How do you pay your utility bills? M: By money order. W: What! Isn't going to the post office or bank for a money order inconvenient? And don't you have to stand in line for that? Besides, nowadays they have those automatic cash machines all around town. M: Oh, I suppose you're right. Carrying around all this cash is silly, isn't it? W: It sure is! Well then, as long as you're here, let's go over and see one of those officers sitting right over there and you can fill out an application. Before returning to his office, Joe has to