But the study also suggests a more low-tech solution might be helpful.

VOA: standard.2010.07.14

They are borrowers that are thought, by the various models, to be likely to fail to pay on their mortgage and to have to be foreclosed; often low income, but also they're people with poor credit histories.

通过一些模型的计算,这些借款人,很有可能无法偿付贷款,抵押房产会被贷款人收回,借款人通常属于低收入人群,而且这些人没有很好的信用记录

耶鲁公开课 - 金融市场课程节选

We got used to hearing it that way, so it's kind of-- every time, you know, Schumann wants to write about the merry farmer-- But every time Chopin wants to write a funeral march-- And there's a tendency also-- minor low, major high, kind of thing.

我们早已习惯听到这种模式,因此它算...,要知道,每次,舒曼想写关于快乐的农夫的曲子,而肖邦总要写葬礼进行曲,还有一种趋向,小调低沉,大调高昂之类的

耶鲁公开课 - 聆听音乐课程节选