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.
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。
And now everything has changed.
不过，现在一切都变了。
如今，一切都改变了。
But now, everything has changed.
但是现在全变了。
But now, everything has changed.
但是现在全变了。
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