The term "brick and mortar banks" (Line 3, Para. 2) refers to ______.

A．Conveniences brought to consumers through use of the Internet.
B．Implications of increasing commercial use of the Internet.
C．Security risks posed by commercial use of the Internet.
D．Advantages of Internet banking versus traditional banking.

A．Tourists now have more access to reliable information about travel risks.
B．The State Department now provides more information for travelers on its web site.
C．Tourists face a world of dangers but, with the right advice, can manage most of them.
D．The State Department is sometimes binned for not providing travelers with enough information.