1) Democracy is a system of government in which power is vested in the people, who exercise it through elected representatives. It allows for political participation, freedom of speech, and protection of individual rights and liberties.

2) Online banking and mobile banking have become increasingly popular, providing convenient access to banking services through digital platforms.

3) The concept of civil rights pertains to the rights and freedoms that individuals possess as members of a society, including equality before the law, freedom of expression, and protection against discrimination.

4) Emma Watson is a British actress and activist known for her role as Hermione Granger in the "Harry Potter" film series. She has since starred in films such as "The Perks of Being a Wallflower" and has been actively involved in promoting gender equality and women's rights.