“生前遗嘱”将迫使银行为破产做打算，而这也将更有助于保护存款用户----让债券人而非纳税人来承担损失。
“Living wills” can force banks to plan for their own collapse, which should make it easier to protect depositors while forcing creditors, not taxpayers, to bear the pain.
纳税人实际上是保险体系的幕后买单者，正如他们最终不得不为美国存款与借贷市场买单一样。
Taxpayers in effect stand behind such schemes, just as they eventually had to stand behind America's savings and loan industry.
筹集现金存款的方法有助于找到所需资金，而且如果劳埃德要考虑股权问题，也意味着纳税人将有机会拥有该行43%的股份。
A cash call might help find some of the money required, and, if Lloyds were to embark on a rights issue, it would mean that the taxpayer would have the opportunity to match its 43% stake in the bank.
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