Imagine there is a bank that puts $ 86, 400 in your account

Imagine there is a bank that puts $ 86, 400 in your account ( 账户 )each morning. It carries over no balance from day to day. Every evening the bank writes off( 注销)the balance that you failed to use during the day. What would you do? Take out every cent,  of course
Each of us has such a bank. Its name is TIME. Every morning,  it puts in 86, 400 seconds. Every evening it writes off,  as it is lost. There is no balance or overdraft 透支) . If you fail to use the day’s savings,  the lost is yours. There is no going back. There is no taking from " tomorrow". You must make good use of it so as to get more in health,  happiness and success!
The clock is running. Make the most of today. To realize the value of ONE YEAR,  ask a student who failed a grade; To realize the value of ONE MONTH,  ask a mother who gave birth to a premature( 早产 )baby; To realize the value of ONE WEEK,  ask the editor of a weekly newspaper; To realize the value of ONE HOUR,  ask the lovers who are waiting to meet; To realize the value of ONE MINUTE,  ask a person who missed the train; To realize the value of ONE SECOND,  ask a person who just avoided(避免)an accident.
Make good use of every moment that you have. Remember that time waits for no one. Yesterday is history. Tomorrow is a mystery. Today is a gift. That’s why it’s called "The Present".
小题1:The underlined word "balance" in paragraph 1 means_________.

A．平衡

B．贷款

C．余款

D．提款

小题2: What is special about the TIME bank we each have?

A．We can store time in it whenever we like.

B．Someone puts $ 86, 400 in it every day.

C．The time in it will surely get lost if you don’t use it.

D．Someone helps you spend your time every night.

小题3:What can be the best title of the passage?

A．The Bank of Money	B．The Bank of Time
C．The value of one hour	D．The clock is running

小题4: In this passage,  the writer tries to tell us_________.

A．what a bank is	B．how to save money
C．the difference of time units	D．to make good use of time