如果生活中有点小的不测，比如失业，有一份钱做靠山可以让你远离债务和高利率。

If a little rain falls in your life, like losing your job, having a money cushion could help you stay out of debt and avoid high interest rates.

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虽然美林很快就有美国银行的巨额存款做靠山，但传统的商业银行仍然因为商业和消费者贷款违约和拖欠事件不断上升而遭受沉重打击。

While Merrill will now have quick access to Bank of America's deposits, traditional commercial banks are being pummeled by rising delinquencies and defaults in commercial and consumer loans.

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