我们曾经历过这样一个时代：只要你能够借到钱，借钱消费就是合理之举。如今，一切都已改变，某些银行对借款人已不再宽容。

We have lived through an era where it made sense to borrow and buy if you could; now everything has changed, and certain lenders are taking no prisoners.

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钱或者没钱能够改变一切，这其中包括2010年人们锻炼身体的方式。

Money, or the lack of it, changes everything, and that includes how people will be working out in 2010.

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不过，如果游客选择把钱花在不会产生虐待动物问题的景点上，很快就可以改变一切。

But if tourists choose to spend their money on cruelty-free attractions, rapid change can result.

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