The growing threat of competition is already forcing a change in existing banks’ behaviour: they have become more transparent about how they charge for overdrafts and other services, for example.

日益加剧的威胁已经迫使现有的银行作出改变：比如说，他们对于如何收取透支费用及其他服务费用的政策更为透明。

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Behaviour therapy can be helpful in overcoming phobias, the phobic person being gradually exposed to the anxiety-provoking object or situation in a way that demonstrates that no threat really exists.

行为疗法对克服恐怖症常有疗效，它让患病者逐渐处于会引起他焦虑的对象或情景下，让他明白实际并没有威胁存在。

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Washington's protectionist rhetoric is no idle threat: America's behaviour towards Japan in the mid-1980s shows that tub-thumping in Congress can quickly lead on to real protectionist action.

ECONOMIST: China should loosen its currency peg��and quickly

But the broad scientific consensus is that serious climate change is a danger, and this newspaper believes that, as an insurance policy against a catastrophe that may never happen, the world needs to adjust its behaviour to try to avert that threat.

ECONOMIST: Getting warmer

They also deter improper behaviour by the police themselves, a greater threat to both the targets of searches and the public than media exposure.

ECONOMIST: Law and the media