不论付费或免费，通常都需要一个“信用”体系的帮助，用于评估来自于社区的搜索结果和专家（意见）。
Whether paid or unpaid, there is usually a credit system for helping to deliver search results and experts emerge from the community.
数学专家建议了一个应用于信用风险的统计公式，随后就是金融市场崩盘。
Math whiz proposed applying this statistical formula to credit risk, and financial meltdown ensued
但是安全专家警告说攻击者可以利用他们在系统中的立足点偷窃用户和客户的信用卡账号和个人信息。
But security experts warn that attackers could use their foothold on the system to start stealing users' and customers' credit card Numbers and personal information.
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