Little Tom likes cartoons very much .When the cartoons begin on TV, he does nothing until they' re over. Sometimes he'd rather wait for a long time and go to bed late. In the morning his mother has to wake him up, or he will be late for school.
    Yesterday Tom heard there would be an interesting cartoon today. This morning, as soon as he got up, he turned the television, but didn't receive the programme. He had to have breakfast and then went to school. After school he ran home while his mother was cooking supper in the kitchen (厨房). He hurried to the sitting room and turned on the television again, but he couldn’t find the cartoon. He rushed into the kitchen and asked his mother to help.
    “It's only five now,”said the woman. “Your programme will be after supper.”
    “Well, let's have supper right now!”

“想要高收益又害怕钱打了水漂，大额存单应该是个不错的选择。”所谓大额存单，是指由银行业存款类金融机构面向非金融机构投资人发行的、以人民币计价的记账式大额存款凭证。它不同于不保本的银行理财产品，大额存单在性质上是存款，不过利息比定期存款高，灵活性相对定期存款也更好。由此可见，大额存单（     ）

①存款门槛要比银行理财产品低，更适合广大城乡居民个人理财

②收益情况一般高于银行定期存款，低于不保本的银行理财产品

③适合有闲置资金又对资金流动性要求较高的非金融机构投资人购买

④可以由商业银行、信用合作社及保险公司等各类金融机构发行

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