But the definition of what is a "safe" borrower could shift, benefiting Brazil, say, and hurting America and Britain.

不过，认定谁是有保障的借贷者的定义可能会改变，对如巴西的国家变得有利，而对英国和美国变得不利。

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If the borrower is as successful as they say they will be, then the backer will likely earn a nice return on their investment.

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This is where a borrower can get a lower fixed rate, say 5.5% for five years (the bait), but is then locked in (or "hooked") for another two or three years on a higher, variable rate.

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