来自《耶鲁大学开放课程：金融市场 第24集 第24集》

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  In fact, you might not even
  事实上 你可能压根就
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  know it because you don't read your pay stub
  没看过工资条 所以根本不明白怎么回事
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  and now some of your money
  而现在 你的一部分钱
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  is going through garnishment of your salary.
  被自动从工资中扣除了
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  That happens, but see this is the reality of bankruptcy.
  就是这样 但这才是破产的真相
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  We are talking about another revision of the Bankruptcy Bill
  我们在谈论破产法案的另一方面
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  because we're in a serious
  因为我们正身陷一场
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  crisis and maybe 2005 pulled back too much.
  严重的危机 而2005年法案也许过头了
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  We keep waffling about how tight we want these, but
  我们对松紧的把握一直模糊不清
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  ultimately bankruptcy law is very important in risk management
  但本质上 破产法对风险管理至关重要
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  because this is big time risk management.
  因为这是一个生死攸关的风险管理
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  It has to be adjusted to deal with moral hazard and other things.
  它必须进行调整 从而应对道德风险等问题