美国的信贷由严厉审修改为低凭证核贷（Low Documentation），后来更演化成无凭核贷（No Documentation），即房贷经纪并不请求借款人提供文件证实请求房贷时的声明失实。
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VERY low learning curve as a consequence of the previous three points. For the most part, you don't even need to ever read the documentation.
正如前三个特性所描述的，这让它的学习曲线极低，大多数情况下，你甚至无须阅读文档。
The patchy credit histories of subprime and low-documentation borrowers made it hard to model default rates accurately.
次级和简易型贷款的债务人不均的信用记录使得很难用模型精确算出违约率。
In a sense, scripts are also a kind of low-rent documentation in that they act as an authoritative outline of the steps needed to complete a particular task.
从某种意思上讲，脚本也是一种低质量的文档，因为它们充当了一种权威提纲，提纲里列出完成特殊任务所需的步骤。
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