That's sort of the theme, the drumbeat we're hearing.

一直有人在我们耳边说这些
You know sort of wonder,

也许你会想
maybe the mortgage market is a casualty

抵押贷款市场只是一场意外
rather than a cause of this crash.

而不是危机的原因
Doug has given you some readings that--

道格给了一些阅读材料
kind of a hard reading to slog through,

内容很高深
but because--although, again, if you're an Econ major

还是那句话如果你是经济专业学生
you should be able to snap your way right through this thing

这些东西肯定难不倒你们
because it's got a bunch of regressions, and tables, and plots.

这里有一些回归分析和图表
Let me just tell you a little bit about the idea of this paper.

我来简单介绍一下这篇论文的观点
I'm doing it with Liang Peng, who is a colleague of mine,

我的同事彭亮是文章合作者
he's now at Colorado

他现在在科罗拉多任教