A、They lend money to students who cannot afford the tuition. B、They offer information about daily interest rate. C、They help you

Young people are perhaps better-known for spending money than saving it. But some new banking websites are seeking to change that.(15)These websites offer young people the information and tools they need to watch over their money. The websites also let the users share their financial experiences with other young people. Nineteen-year-old Alix Scott has been working at a store this summer. He is saving money to pay for the tuition next year. He has to rely on his own savings to pay all his college money because his parents can’t afford to get a loan.(16)But instead of putting his money in a local bank, Scott began using SmartyPig, a web-based banking service, which can help him overcome the impulses to just spend the money. Michael Ferrari developed SmartyPig with a friend in 2007. SmartyPig is really all about helping people save for very specific financial goals, such as a wedding, a vacation or an iPhone.(17)Ferrari says SmartyPig opened after he started a college savings account for his new baby. He says that experience helped him realize the power of saving for a specific goal. Helping other savers pay attention to their goals is the idea behind his online company.
15. What does the speaker say about the banking websites?
16. Why does Scott choose SmartyPig instead of the local bank?
17. When did Ferrari open SmartyPig?