洋洋：怎么了?
心涛：我的钱怎么比我预期的少了这么多。
洋洋：你看看你的工资单，上面写清楚了所有扣除的项目。扣除个人所得税、三险一金之后，你到手的工资就所剩无几了。
心涛：你说得对。但是，三险一金是什么?
洋洋：“三险”就是养老保险、医疗保险和失业保险;“一金”指的是住房公积金。这是用于社会保障的税项。
心涛：噢，这儿还有一些钱不知道什么原因扣除的。
洋洋：让我看看。嗨，你还因为迟到被扣钱了。
心涛：哦，我把这茬儿忘了。还不是上个星期天天堵车闹的!
洋洋：你就别找借口了。
心涛：哎，我看我得改变我的周末计划。
洋洋：我觉得也是。
Xintao: Finally I’ve got my salary. I’ve been waiting for my first-month salary and now I got it. I intend to have a substantial meal on the weekend. Hum!
Yangyang: What’s up?
Xintao: My salary is less than what I’ve expected.
Yangyang: Look at your payroll and there are all items that are deducted. Apart from the individual income tax, three insurances and one fund, there isn’t much left.
Xintao: You are right. But what are the three insurances and one fund extractly?
Yangyang: Three insurances are endowment insurance，medical insurance，and unemployment insurance while the one fund is housing provident fund, which is a tax of social guarantee.
Xintao: I see. There are some deducted items for some reasons I don’t know.
Yangyang: Let me see. It turns out you were fined because you were late.
Xintao: Oh, I forgot that. That’s all about traffic jam last week.
Yangyang: Don’t try to find excuse.
Xintao: It seems that I should change my weekend plan.
Yangyang: I think so.