The Mississippi River, which used to sweep up dirt in one stretch of the delta only to deposit it in another, has now been channelled, for flood-prevention, to wash the land into the sea.

原本密西西比河冲刷三角洲一端松土的同时另一端沉积着，现在因为要预防洪水被改道了，因此会有陆地被河水冲走。

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Faced with demands for larger deposits only three mortgage lenders now offer deals to people with a 5% deposit, while one in four mortgage products require a deposit of 40% or more.

面对更高的首付款要求，现在只有三家贷款方愿意贷款给首付5%的人，而四分之一的贷款项目都要求四成首付或者更多。

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To make up for the lost revenue, banks will need to improve their deposit margins by only 0.3 percentage points, Mr Meleis calculates.

为了弥补丢失的收益，银行只能将存款利率提高0.3个百分点，Meleis预计。

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Therefore some lenders have been putting up the cost of mortgages for borrowers who can put down only a small deposit.

BBC: Fixed-rate mortgages rise again

For borrowers who can only put down a 10% deposit the average rate is higher at 6.06%.

BBC: More fixed-rate mortgages go up

To make up for the lost revenue, banks will need to improve their deposit margins by only 0.3 percentage points, Mr Meleis calculates.

ECONOMIST: Retail banking in America