We have lived through an era where it made sense to borrow and buy if you could; now everything has changed, and certain lenders are taking no prisoners.

我们曾经历过这样一个时代：只要你能够借到钱，借钱消费就是合理之举。如今，一切都已改变，某些银行对借款人已不再宽容。

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And now everything has changed.

不过，现在一切都变了。

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Now, everything has changed.

如今，一切都改变了。

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But everything has changed now after the scandals of the last few years.

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Now, with new technology, everything has changed.

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Except for his name and party affiliation, Al Gore has now changed just about everything a struggling candidate can change: clothes, consultants, message, manner.

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