现在谈心未免有些太迟 and it's a little late for conversations
现在解释未免有些太迟 and it's a little late for explanations
贴现窗口的借款还是有污名的，这意味着银行不到太迟，甚至到了它们很绝望的时候，它们都不大情愿用这种方法去解救自己。
There is still a stigma attached to discount-window borrowing, which means Banks may be unwilling to avail themselves of it until it is too late, even when they are truly desperate.
资不抵债的污名如此强烈，尤其在家族企业中，所以企业主仅在太迟了的时候才承认他们有麻烦。
The stigma of insolvency is so strong, especially among family-owned firms, that owners may admit they are in trouble only when it is too late.
有少数几个州要求学生在十一或十二年级时通过考试获得文凭，但在我看来，那等于是在奶牛已经跑出去了再关上牛圈的门——太迟了。
A few required them to pass tests in the eleventh or twelfth grade to get a diploma, but to me, that was like closing the barn door after the cow is out.
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