近年来许多美国抵押贷款发放是针对次级贷款（简称次贷）的借款人；而依照次级贷款的定义，这些所谓的借款人皆依照综合标准评量过，其能力不足以偿清贷款。

Many U.S. mortgages issued in recent years were made to subprime borrowers, defined as those with lesser ability to repay the loan based on various criteria.

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据我理解，所谓美国信念(American idea)，就是相信人们不仅能够理解自己的思想，而且能依照启蒙后的自身利益(enlightened self - interest)行事，同时对他人保持必要的尊重。

The American idea, as I understand it, is to trust people to know their own minds and to act in their own enlightened self-interest, with a necessary respect for others.

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然而，批评家们指出，所谓谓“保存”常常只是拆掉老房子，然后依照传统样式盖一座新的来代替。

But critics say, so-called "conservation" just means knocking down an old building and replacing it with a structure in a traditional style.

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