关于41题,查了一下Direct Deposit的意思,个人认为LZ的思路二是正确的。确实是只有开了bank account的人才会有direct deposit。因为我查的那篇介绍里提到The process for setting up a direct deposit can vary. Many employers will ask you to fill out a form that explains their payment schedule and gives them permission to access your bank account information in order to deposit your paycheck.