批评家们指责信用评级机构变得自以为是，并质疑贷款池品种单一，分割不够合理，以致不能分散风险。

But critics say the agencies got complacent, and doubt the pooled loans were sufficiently diverse, or sliced up with sufficient art truly to have dispersed risk.

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我们并处于危机之中，并不是因为因为华尔街伪称分割、切块并重新安排不良贷款在一定程度上就可以创造3a资产——私人评级机构也参与其中。

We didn't find ourselves in a crisis because Wall Street pretended that slicing, dicing and rearranging bad loans could somehow create AAA assets - and private rating agencies played along.

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