So, I have something, which I call a continuous workout mortgage,

我提出了一个叫"可持续解决性抵押"的概念
which we should move to; this is my idea.

这是我的点子
So, I just mention one of the ideas in my book.

我只是提到我书中的一个观点
The way Dodd-Frank is proposing is that people

多德-弗兰克的提议是对
who are in difficulty would have a single workout.

有困难的人逐一进行帮助
It's just like a bankruptcy; a bankruptcy is a single event and

这跟破产很像破产是个别情况
it occurs only once every eight years.

而每八年发生一次
So, people who are in big trouble get help from the government,

所以人们很难从政府获得帮助
but then it's a one-time only,

但八年一次的大事
big event and only every eight years.

只有一次
Why don't we do it continuously? What we want to do is

我们为什么要持续的这样做我们想要的是
have a mortgage so the balance or the payments

一个抵押贷款它能使收支或支付