在评估过程中添加一些正式手续可以确保工具的选择使基于项目需要的而不是个人主观的意见。

Adding some formality into the evaluation process can ensure that tool selection is based on project needs rather than subjective criteria.

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2007年，公司从西联银行(Western Alliance Bancorp)获得资金支持后正式开展业务，作为行业新丁，公司始终秉持着三个重要信条：保持贷款利率稳定、取消手续费和严格评估潜在客户的风险。

Started in 2007 with funding from Western Alliance Bancorp (WAL), the fledgling firm has three key tenets: keep rates steady, eliminate fees, and rigorously evaluate the risk of potential customers.

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安后来了解到他们并没有正式的离婚手续。

She later learned that there had been no official divorce.

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