A、Daily expenses. B、Big expenses. C、Holidays and travel expenses. D、Education fee. A选项中的Daily expenses，Education fee等表明，本题可能考查某方

M: Good morning. You’re Ms. Clay, right? Do sit down, please. Now, what can I do for you?
W: Thank you. Well, I’ve read all the information about opening an account in your bank, and I’m thinking of having two accounts.
M: I see. So you mean you want to open a current account and a savings account?
W: Yes. I have asked at several banks these days and they all told me that two accounts seem to be the best idea.
M: OK. And are you considering putting a large sum of money into a deposit or an investment account, may I ask?
W: Well, I don’t think it’ll be a really large amount at this stage. Perhaps just a few thousand in a deposit account and rather less in a current account for day-to-day expenditure. And I don’t expect to take money out of the deposit account at all, except maybe for holidays and some big expenses.
M: I understand. By the way, do you have any personal references with you?
W: Oh, yes, of course. I’ve got one from my company and another from my brother. He works in a bank, too, you know.
M: Good. Could you show them to me, please?
W: Here you are.
M: Thank you. I’ll just run through them quickly if you don’t mind... Well, yes, they all seem to be fine. Now, let’s go through this form together. It’s not difficult but we don’t want to make any mistakes...
Questions 19 to 22 are based on the conversation you have just heard.
19. What does the woman want to do?
20. What does the woman use the money in the current account for?
21. What does the man need to have from the woman?
22. What is Ms. Clay’s brother by occupation?