The federal rate on loan has 5.7%, and fluctuation is huge, after all now various trades and occupations are developing, needs money. 联邦的贷款利率有百分之五点七,并且波动巨大,毕竟现在各行各业都在发展,都需要钱。 Therefore the interest rate of loan will fluctuate momentarily, moreover sometimes has 1% point several disparities, this is very unstable. 所以贷款的利率会随时浮动,而且有时候有百分之一点几的差距,这很不稳定。 The present is 5.7%, perhaps behind will increase or decrease, this is very normal. 现在是百分之五点七,也许后面就会增加或者减少,这都很正常。 But the deposit interest rate is less than 3%, probably about 2.8, have in money the bank now is not a very cost-effective matter, it even runs does not win the inflation. 而存款利率不到百分之三,大概二点八左右,现在把钱存在银行里不是一件很划算的事情,它甚至都跑不赢通胀。 This possibly is the federal person does not like the deposit the reason, they would rather spend money, will not place in the bank to cope with the sudden issue money. 这可能也是联邦人不喜欢存款的原因,他们情愿把钱花了,也不会把钱放在银行里去对付突发的问题。 „How many does your each month profitability have?”, The legal special commissioner took a paper, starts to calculate. “你每个月的盈利能力有多少？”,法律专员拿出了一张纸,开始计算起来。 The shop owners pondered a meeting, afraid to say a word saying, „probably 900 to more than 1000, are not quite many.” 店主思考了一会,吞吞吐吐的说道,“大概九百块到一千多一些,不太多。” The legal special commissioner blew a whistling, „this income did not calculate in Bupen few.” 法律专员吹了一声口哨,“这个收入在布佩恩也不算少了。” «Lowest Hourly wage Law» does not have „instruction” significance, in other words it is only a lower limit, an explanation. 《最低时薪法》并不具有“指导”意义,换句话来说它只是一种下限,一种解释。 The Bupen local lowest hourly wage is close to 300, but most people can attain over 300, probably 300 40-50, 300 70-80. 布佩恩本地的最低时薪接近三百块,可大多数人都能拿到三百块以上,大概三百40-50,三百70-80。 The wages of other industry practitioners are higher, arrived on more than 400 dollars, only then financial practitioner, Attorney, the wage of dentist is quite high, but this also divides the person. 其他行业从业者的工资高一些,也就四百多块钱到位了,只有金融从业者,律师,牙医的薪水比较高,但这也分人。 Some people might as well have the wages of ordinary worker to be high, but some people, had broken through the ceiling of wage word. 有些人拿得还不如普通工人的工资高,但有些人,早就突破了薪水这个词的天花板。 About 1000, are not really few. 一千块左右,真的不算少。 Moreover, he lay. 而且,他说谎了。 Actually his shop can provide 4500 profits for him every month, he does not want to say so many, but must retain a card in a hand for oneself. 其实他的这家门店每个月能为他提供一千三五百块的利润,他不想说这么多,只是要为自己保留一点底牌。 The quick legal special commissioner had/left some data even, then he explained for this couple, „I recommend you to choose five years of repayments, this will also want to be lower than from the interest rate of bank loan!” 很快法律专员就算出了一些数据,然后他为这对夫妻解释了起来,“我推荐你们选择五年还款,这会比从银行贷款的利率还要低一些！” Shop owner somewhat disturbed asking, „, if five years, how much money I can every month also?” 店主有些忐忑的问道,“如果五年的话,我每个月要还多少钱？” He had completely forgotten other things, start seriously to consider rendered back the money. 他已经完全忘记了其他的事情,开始认认真真的考虑着还钱了。 „Probably about 1800.”, The legal special commissioner put down the pen, wrote some formulas. “大概一千八百块左右。”,法律专员放下了笔,写了一些计算公式。 The couple look at each other one, the shop owner shakes the head, „were too many.” 夫妻两人对视一眼,店主摇了摇头,“太多了。” The reminder of legal special commissioner unusual good intention said that „, if, the handling charge the multi-step will increase again in the future every year, becomes not so will be cost-effective, but it also has the advantage.” 法律专员非常好心的提醒道,“如果再往后的话,手续费就会每年阶梯式增加,会变得不那么划算,但它也有优势。” „Bank most gives you five years, but we can give you longer.” “银行最多给你五年的时间,而我们可以给你更久。” „How many your psychological base price is, can one month come out with how many?” “你的心理底价是多少,一个月能拿多少出来？” The shop owners seriously are considering, „probably...... 400-500?” 店主认真的考虑着,“大概……400-500块？” The legal special commissioner calculated a phase difference not big result quickly, „, if you can accept 20 years of repayments periods, every month you only needed to pay to our 650 Yuan enough.” 法律专员很快就计算出了一个相差不大的结果,“如果你们能接受二十年的还款期的话,每个月你们只需要支付给我们六百五十元就够了。” 650, although are many, but clenches teeth is not cannot very pass, and 20 years. 六百五十块,虽然还是很多,但是咬咬牙也不是不能挺过去,而且二十年。 The wife of shop owner is somewhat resourceful, „how many can that we altogether also?” 店主的妻子有些机敏,“那我们一共要还多少？” The legal special commissioner read the document in hand, „probably 170,000.” 法律专员看了看手里的文件,“大概十七万不到。” This number made the couple flash silent, they were equal to needing many also 90,000, and every month also somewhat became serious. 这个数字让夫妻两人一瞬间都沉默了下来,他们等于需要多还九万,并且每个月都还有些吃紧。 Crossed some little time, the shop owner said in a low voice, „were too many, we only borrowed more than 80,000, this definitely many of compared with the bank wanting!” 过了好一会,店主才低声说道,“太多了,我们只借了八万多,这肯定比银行要的多！” „But the bank will not allow you to borrow for 20 years, Mister, five years later you cannot return money, they will win your house, drives out you.” “但是银行不会允许你们借二十年,先生,五年后你还不上钱,他们就会夺走你的房子,把你们赶出去。” „However we, can provide 20 years of ultra long repayments deadline, 80,000, 20 years, allocate the daily more than ten dollars.” “而我们,可以提供二十年超长的还款期限,八万块,二十年,平摊到每天不过十多块钱。” „This business is not owes.” “这笔生意不算亏。” „If you do not elect, the court will also enforce, they will entrust the bank to auction your houses, your results are the same.” “如果你们不选的话,法院也会强制执行,他们会委托银行拍卖你们的房子,你们的结局都是一样。” Also is the long silence, but this indeed was above couple's cognition, borrowed 80,000, must 170,000, this also too be many. 又是漫长的沉默,但这的确超乎了夫妻的认知,借了八万,要还十七万,这也太多了。 „Do you have the child?”, The legal special commissioner asked suddenly, this makes two people recover. “你们有孩子吗？”,法律专员突然问了一句,这让两人都回过神来。 „Yes, we have the child.” “是的,我们有孩子。” „On middle school?” “上中学了吗？” Shop owners now very honest, because he owed the money, front is the representative of creditor, „not, but also is attending the elementary school.” 店主现在非常的老实,因为他欠了一大笔钱,面前的就是债主的代表,“不,还在读小学。” The legal special commissioner asked with a smile, „planned to go to college?” 法律专员笑着问道,“打算上大学吗？” The couple nod, the wife said that „, if his help support he does, we will send him to college.” 夫妻俩人都点了点头,妻子说道,“是的,如果他的学习支持他那么做的话,我们会送他上大学。” „It seems like him to need a good environment, the living conditions, the home environment, the learning environment......” “看起来他需要一个不错的环境,生活环境,家庭环境,学习环境……” This as if not too related words are similar fearful strengths, on the male host face is very ugly, he is pursing the lips, in looked at each other moment after the wife, heavy said those words. 这句似乎不太相关的话仿佛有一种可怕的力量,男主人脸上很难看,他抿着嘴,在和妻子对视了片刻后,沉重的说出了那句话。 „I accept your conditions.” “我接受你们的条件。” Yes, looks like such that this special commissioner said that the bank does not allow you taking advantage to be so long, if not lend money from here, finally they will discard oneself house. 是的,就像是这位专员说的那样,银行不允许你借那么久,如果不从这里借钱,最终他们会丢掉自己的房子。 Then they can only move the chaotic place, is cheap because of these dirty , noisy and disorder community houses. 然后他们只能搬去混乱的地方,因为那些脏乱差的社区房子便宜。 Inside is occupied by the compulsive gambler, the female female, the faction member, the thief, the villain, then their children can only on the inexpensive public school, inside also flood these people, as well as crime. 里面住着赌鬼,女支女,帮派成员,小偷,恶棍,然后他们的孩子只能上廉价的公立学校,里面同样充斥着这些人,以及犯罪。 For the child, they must make the choice. 为了孩子,他们得做出选择。 „Very happy that you made the correct choice, you do not use too pessimistically, some here also plans, can be more economical the expense for you......” “很高兴你们做出了正确的选择,你们不用太悲观,我这里还有一些计划,可以为你们节省一些费用……” Afterward he put out some documents to launch, special counter issue that above said that but no longer paid for any special counter expense every time. 随后他又拿出了一些文件展开,上面说的还是专柜问题,但是每时每刻不再支付任何的专柜费用。 Meanwhile they request the shop owner and his wife, must put on the shop issues their work clothes every time, above has advertisement every time. 同时他们要求店主和他的妻子,在店内必须穿着每时每刻发给他们的工作服,上面有每时每刻的广告。 They must buy the guest of cigarette for each, recommendation cigarette every time 他们还要为每一位来买香烟的客人,推荐每时每刻的香烟 „What if they purchase was our cigarette does not need to recommend.”, The legal special commissioner smiles, „adds on the repair of door, since the sixth year, you can every month little also 100 dollars.” “如果他们购买的是我们的香烟就不用推荐了。”,法律专员笑了笑,“加上门头的装修,从第六年开始,你们每个月可以少还一百块钱。” This is not one the account that is difficult to calculate, finally they can little also more than 10,000 dollars. 这不是一笔很难算的账,最后他们能少还一万多块钱。 If before these words place they have not made the decision said, they will not look like now are so affected, even many convincing, they had not reached the intention, makes the next day to sign the formal contract. 如果这些话放在他们没有做出决定之前说,他们不会像现在这么感动,甚至都没有更多的说服,他们达成了意向,约好第二天来签正式合同。 As the collateral, as before is the house, is only the condition is very loose, if their three months cannot return money, will respond every time. 作为抵押物,依旧是房子,只是条件很宽松,如果他们三个月还不上钱,每时每刻才会做出响应。 Look, this is the benevolence and generous of Mr. Lynch! 瞧,这就是林奇先生的仁慈和慷慨！ Good! 真他妈的善良！ But is the good proposal that such a good person put forward, was actually not everyone likes. 可就是这么善良的一个人提出的善良建议,却不是每个人都喜欢。 „Some people the agreement that refuses us to provide, Mr. Lynch......” “还有一些人拒绝了我们提供的协议,林奇先生……” Next morning, sits in the office, the ministry of law managers continue to discuss this matter, „they would rather sell out the house, is not willing to accept our agreements.” 第二天早上,坐在办公室里,法务部主管继续讨论着这件事,“他们情愿卖掉房子,也不愿意接受我们的协议。” Lynch indifferent smiling, „this is their powers, we cannot interfere with others' choice, the charter gave them the right of free choice, we need to respect them.” 林奇无所谓的笑着,“这是他们的权力,我们不能干涉别人的选择,宪章给了他们自由选择的权利,我们需要尊重他们。” „I remember after the trial result comes out, deadline of execution?” “我记得审判结果出来之后,有一个执行的期限是吗？” The ministry of law managers nod, „, they have two weeks of time to take the cushion, if in two weeks cannot fulfill the result of trial, they must initiate the request that the delay fulfills to the court.” 法务部主管点了点头,“是的,他们有两周的时间作为缓冲,如果两周内不能履行审判的结果,他们必须向法院提起延迟履行的请求。” „Requested that every can be supported one time?” “请求每一次都能得到支持吗？” The ministry of law managers shake the head, „, if we demand to fulfill, the court very big limit will support our demands, because we are the plaintiffs, is the victim.” 法务部主管摇了摇头,“如果我们坚决要求履行,法院很大限度会支持我们的诉求,因为我们是原告,是受害者。” Lynch quite satisfies the legal specialization of ministry of law manager, he with beginning a stroke to refer to the ministry of law manager, „arranged person is staring, did not apply to postpone the opportunity that to them.” 林奇相当满意法务部主管的法律专业性,他拿起笔指了指法务部主管,“安排人盯着,不给他们申请推迟的机会。” The ministry of law knew the idea of Lynch in charge of eye one revolution, if they in cannot return money by a set time, refuses to postpone every time backward, then can only walk the procedure/program. 法务部主管眼睛一转就知道了林奇的想法,如果他们在限期内还不上钱,每时每刻又拒绝向后延期,那么就只能走程序了。 They will entrust the bank to auction the real estate of these people to collect money, the third party bank auctions to lay out any price is not strange. 他们会委托银行拍卖这些人的不动产来凑钱,第三方银行拍卖拍出任何价格都不奇怪。 The things of 100,000 dollars go, can lay out 50,000 dollars is very conscientious result. 十万块钱的东西进去,能拍出五万块钱就已经是非常有良心的结果了。 „I know how to do.” “我知道怎么做了。” In the evening and Catherine eats meal, Catherine also talked about this issue. 晚上和凯瑟琳吃饭的时候,凯瑟琳也谈到了这个问题。 „Many people said that you in the blood sucking......”, she must return to Curilan City to submit your practice session immediately to report, then school must write the appraisal for her. “很多人说你在吸血……”,她马上就要回库里兰市提交自己的实习期报告,然后学校方面还要为她写评价。 These look unimportant, actually very important, you do not know when will have anyone to turn these documents, is pointing at these evaluations embarrassed or happy. 这些看上去不重要,其实非常的重要,你不知道什么时候就会有什么人把这些文件翻出来,指着那些评语让人难堪或者高兴。 Eats meal this food, early tomorrow morning she goes back. 吃饭这顿饭,明天一早她就回去。 Is manipulating the knife and fork, Lynch while replied, „I always believed, makes mistakes must shoulder the responsibility, evading was not the means.” 一边操弄着刀叉,林奇一边回答道,“我始终信奉一点,犯了错就要去承担责任,逃避不是办法。” „Even if cannot undertake, must tough it out is doing!” “即使承担不起,也得硬挺着去做！” Ancestors he, when shut in the small room even did not have to appeal, he knows that oneself had actually been determined by that moment result of holding down shoulder, remaining walks a form, a process. 上辈子他在被关进小房间里的时候甚至都没有去上诉,他知道自己被人按住肩膀的那一刻其实结局就已经确定了下来,剩下的不过是走一个形式,一个过程。 He the mistake is responsible to oneself have violated, therefore he hopes that others are also, some people harmed him not to do, he will make the price that these people evaded clearly often undertaking is more serious. 他对自己犯过的错负责,所以他希望别人也是,有人伤害了他还不愿意那么做,他会让那些人明白逃避的代价往往比承担更严重。 After girl's smile, is somewhat disconsolate, the day that although she and Lynch gather are quite few, but inexplicable feels being intimate with, because she knows Lynch also in this city. 女孩的笑容后有些惆怅,虽然她和林奇相聚的日子比较少,但莫名的就是感觉到一种亲近,因为她知道林奇也在这座城市里。 Now must walk, light disconsolately and lingers in her surroundings sadly. 现在要走了,淡淡的惆怅和感伤徘徊在她的周围。 Lynch is sometimes very romantic, sometimes is good at breaking the atmosphere very much. 林奇有时候很浪漫,有时候又很善于打破气氛。 „How do you see to the educational reform?” “你对教育改革怎么看？” „?”, Catherine has not responded suddenly, the educational reform, what does reform? “啊？”,凯瑟琳一时间没反应过来,教育改革,改革什么？ Lynch took up napkin on hand to moisten the grease stains on lip, carried the wine glass to sip a small mouth, „education, the reform, you know, the present educational system is failure, this was also the reason that we have not gone to college!” 林奇拿起手边的餐巾沾掉了嘴唇上的油渍,端着酒杯抿了一小口,“教育,改革,你知道,现在的教育体系是一个失败品,这也是我们没有上大学的原因！” „It almost should evolve to the next stage......” “它差不多应该进化到下一个阶段了……”