由于在未来90天里，摩根大通将对其方案进行修订和补充，它将不需要抵押任何贷款。

JPMorgan will not put any loans into foreclosure as it implements the expanded program over the next 90 days.

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然而，鲁比尼表示，更糟糕的可能还在后面，并补充道，银行在住房抵押贷款上的重大损失可能会再现于不断下滑的商业楼宇市场上。

But Roubini said there could still be worse to come - and added that Banks' heavy losses on home mortgages are likely to be repeated in the sliding market for business premises.

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Edward Chang补充说，那些太过乐观的投行在次级抵押贷款危机中遭受了重创，而高盛集团(Goldman Sachs Group)当初却预见到了灾难性的前景，最终得以全身而退。

Arguably, adds Prof. Chang, investment Banks suffering from the subprime-lending crisis were too optimistic while Goldman Sachs, which plotted out disaster scenarios, has thrived.

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