Part of--this is the--it's not loan-to-value ratio-- this is the ratio of mortgage debt to personal consumption expenditure.

这并非贷款价值比率的问题,一定程度上,是抵押率的问题,即负债对个人消费支出的比率

耶鲁公开课 - 金融市场课程节选

His in other words seems to be a highly personal in many ways highly individual quest for self perfection and not a doctrine about the value of freedom of speech in general.

换言之，他崇高的个人,从许多层面来看，是他崇高的个人,追求本身完美，而非关一般,言论自由价值的学说。

耶鲁公开课 - 政治哲学导论课程节选