So my feeling is if we are in downturn it's quite likely to be mild like the last two.

所以我感觉，若要说我们正处于经济衰退,那也很可能和那两次一样轻微。

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with the economic downturn in recent times, it certainly does, you know, look not so encouraging,

近期的经济衰退让境况看起来没那么振奋人心，

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Or just banks in general that have gone bankrupt since the economic downturn.

或者就是经济危机以来破产了的一般银行。

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