The history of mortgages is that they have generally over time gotten more easy on loan-to-value ratio and also on maturity.

从抵押贷款的历史来看,随着时间推移,抵押贷款,对于贷款价值比和期限越来越宽松

耶鲁公开课 - 金融市场课程节选

So, if every tenth time your dog brought you the newspaper you gave it hugs and treats; that's ratio.

每当你的狗为你拿十次报纸,你就抱抱它，给它奖励;,这便是比率强化。

耶鲁公开课 - 心理学导论课程节选