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went home, but Lan and Fred stayed in the classroom with their teacher and begin writing their names. Then Fred began crying. The teacher looked at him and said,” Why are you crying, Fred?” “Because his name’s Lan May, and mine’s Frederick Hollingsworth,” Fred At present, a wide vareity of credit cards issued by major banks and shopping malls are thriving in colleges and universities acrothe nation, with a multitude of college students making up a growing population of card holders. Indeed, one out of f