The problem is that mortgage rates are not the obstacle to recovery in housing; cheap mortgages are of little use to buyers if lending standards are inappropriately and discouragingly high.

但问题在于，按揭抵押率并不是房市复苏的阻碍；因为如果借贷标准仍然高得过分，廉价房贷对于买家依旧没有什么用处。

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The progress is discouragingly slow.

进展慢腾腾得叫人泄气。

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Then they assemble in the forward lounge for a talk on procedure given by three of the discouragingly capable staff members.

NEWYORKER: Stone Mattress

Discouragingly, even in Britain, which along with France has led the new European defence effort, there is little sign that the money will be found to do it well.

ECONOMIST: On the cheap doesn��t pay