Researchers from Pennsylvania found that a high IQ score required both high intelligence and high motivation but a low IQ score could be the result of a lack of either factor.
宾夕法尼亚州的研究人员发现，高智商不仅要求高智力，还要求高积极性，而低智商则可能两者都不具备。
But, when it came to buying a home, his low credit score meant that he faced what he called "ungodly" high interest rates of 12 to 13 percent.
他说从监狱出来后找回了自我，但是当他要买房的时候他的低信用意味着他要面临无法承受的12%到13%的利息。
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