38. Which of the following items does NOT replace paper money nowadays? (A) plastic credit cards (B) electronic messages (C) paper checks (D) mental money

39. Which of the following statements can be inferred from this article? (A) All countries have coins and paper money of different sizes and colors. (B) People will only use credit cards in computers. (C) Coins are no longer used these days. (D) Paper money may disappear in the future.