Passage Four
　　When we worry about who might be spying on our private lives, we usually think about the Federal agents. But the private sector outdoes the government every time. It's Linda Tripp, not the FBI, who is facing charges under Maryland's laws against secret telephone taping. It's our banks, not the Internal Revenue Service (IRS), that pass our private financial data to telemarketing firms.
　　Consumer activists are pressing Congress for better privacy laws without much result so far. The legislators lean toward letting business people track our financial habits virtually at will.
　　As an example of what's going on, consider U.S. Bancorp, which was recently sued for deceptive practices by the state of Minnesota. According to the lawsuit, the bank supplied a telemarketer called Member Works with sensitive customer data such as names, phone numbers, bank-account and credit-card numbers, Social Security numbers, account balances and credit limits.
　　With these customer lists in hand, Member Works started dialing for dollars - selling dental plans, videogames, computer software and other products and services. Customers who accepted a "free trial offer" had, 30 days to cancel. If the deadline passed, they were charged automatically through their bank or credit-card accounts. U.S. Bancorp collected a share of the revenues ...
　　Customers were doubly deceived, the lawsuit claims. They. didn't know that the bank was giving account numbers to MemberWorks. And if customers asked, they were led to think the answer was no.
　　The state sued MemberWorks separately for deceptive selling. The company denies that it did anything wrong. For its part, U.S. Bancorp settled without admitting any mistakes. But it agreed to stop exposing its customers to nonfinancial products sold by outside firms. A few top banks decided to do the same. Many other banks will still do business with MemberWorks and similar firms.
　　And banks will still be mining data from your account in order to sell you financial products, including things of little value, such as credit insurance and credit-card protection plans.
　　You have almost no protection from businesses that use your personal accounts for profit. For example, no federal law shields "transaction and experience" information - mainly the details of your bank and credit-card accounts. Social Security numbers are for sale by private firms. They've generally agreed not to sell to the public. But to businesses, the numbers are an open book. Self-regulation doesn't work. A firm might publish a privacy-protection policy, but who enforces it?
　　Take U.S. Bancorp again. Customers were told, in writing, that "all personal information you supply to us will be considered confidential." Then it sold your data to MemberWorks. The bank even claims that it doesn't "sell" your data at all. It merely "shares" it and reaps a profit. Now you know.

　　36. Contrary to popular belief, the author finds that spying on people's privacy .
　　A) is practiced exclusively by the FBI
　　B) is more prevalent in business circles
　　C) has been intensified with the help of the IRS
　　D) is mainly carried out by means of secret taping

　　37. We know from the passage that .
　　A) the state of Minnesota is considering drawing up laws to protect private information
　　B) most states are turning a blind eye to the deceptive practices of private businesses
　　C) legislators are acting to pass a law to provide better privacy protection
　　D) lawmakers are inclined to give a free hand to businesses to inquire into customers' buying habits

　　38. When the "free trial" deadline is over, you'll be charged without notice for a product or service if .
　　A) you happen to reveal your credit card number
　　B) you fail to cancel it within the specified period
　　C) you fail to apply for extension of the deadline
　　D) you find the product or service unsatisfactory

　　39. Businesses do not regard information concerning personal bank accounts as private because .
　　A) it is considered "transaction and experience" information unprotected by law
　　B) it has always been considered an open secret by the general public
　　C) its sale can be brought under control through self-regulation
　　D) its revelation will do no harm to consumers under the current protection policy

　　40. We can infer from the passage that .
　　A) banks will have to change their ways of doing business
　　B) "free trial" practice will eventually be banned
　　C) privacy protection laws will soon be enforced
　　D) consumers' privacy will continue to be invaded