One of the cheapest ways to borrow for education is to take out a second mortgage on a house, Ward says. Getting a second mortgage these days, however, can be difficult, especially for someone without a job.
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In any case, borrowers need a "plan for paying it back," Ward says.
在任何情况下，借贷人都需要“计划如何还款。”Ward说。
Ward says long ago volcanic activity spewed carbon dioxide into the air and warmed the oceans.
沃德说，很久以前火山活动把二氧化碳喷放到空气中，致使海洋升温。
"Nardelli saw lots of ways he could improve Home Depot from an efficiency standpoint," Mr Ward says.
“纳德利发现了许多从效率方面改善家得宝的方法，”沃德表示。
But Ward says focusing on the mechanisms for reaching a climate deal are counter-productive right now.
VOA: standard.2009.12.17
Ward says police are targeted because they are working with NATO.
VOA: standard.2010.06.16
The man in charge of developing the police force, Canadian Major General Mike Ward, says that can be corrected with training.
VOA: standard.2010.06.16
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