《中国信用卡产业发展蓝皮书（2014）》显示，2014 年我国信用卡交易总额为 15.2 万亿元，占全国社会消费品零售总额的比重为 58％。信用卡交易得到消费者青睐，是因为信用卡（   ）

①结算方便快捷，能够提高支付效率    

②可以减少现金使用，增强消费安全性

③是一般等价物，可以充当交换媒介    

④能集存款、取款、消费、结算为一体

“人生难免有挫折。”下列说法不能表明这一观点的是（   ）

Today（今天） is Sunday. The weather is warm and windy. I can wear my shirt（衬衣） and jeans牛仔裤). I fly a kite on the playground. Tom and Jack wear their T-shirt and shorts. They play football. But in Harbin, it's cold. It's snowy. People put on their coat and hats. They can make a snowman(雪人) and skate(滑雪). It’s funny.

It's windy. So I can fly a kite.