[English]英语积累本

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英语积累本1（太长则分页）

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• 6.英语语法虚拟语气总结
• • 1. 与现在事实相反的虚拟：
  • 2. 与过去事实相反的虚拟：
  • 3. 与将来事实相反的虚拟：
  • 4.
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• Article

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有3%到6%的致死率

be fatal at 3%-6% of the time (几率)

密接

close contacts

和大陆相比一样

put it(代指后文的主语) on a par with mainland

与A相比

compare to A/ contrast with A / set against A

A：B

A relative to B

男性青少年时期赋予的优势太大了，以至于再多的训练和天赋也不能使女性超越他们。

The advantage bestowed by male puberty are so big that no amount of training or talent can enable female athletes to overcome them.

如果他付自己的账单的话，就可以和我们一起来。

He can come with us ,provided he pays his bill.

摒弃肉身

do away with the body

暗示了一个横亘已久的迷

hint at an abiding mystery

2

这意味这文化应该承担重要的责任

It suggests culture must play a sizeable part.

A作为B的起因，，，

A resposible for B

他和团队的紧密合作，使测试案例回归测试达到了更高的自动化率

He has also worked closely with the team to achieve a higher rate of test automation regression coverage

人去楼空（常用现完时）

empty out

伦敦无论是从绝对数还是从比例上，都增加了比英国其他地区更多的人口

London added more people than any other region of England , both absolutely and propotionately

如果这个数字不尽快上行，资本可能会有财务上的损失

The capital stands to lose financially unless the figures are quickly revised upwards.

直接或间接地

either directly or indirectly

这次普查没撞上好时候，人口普查实施的时候，有一场封禁。

The count was unfortunately timed . A lockdown was in effect when the census was conducted.

趋势已经基本逆转

The trend has largely reversed.

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idle a.
If people who were working are idle, they have no jobs or work.
sense vt.
If you sense something, you become aware of it or you realize it, although it is not very obvious.
sensibly a.
明智地
faculty n.
Your faculties are your physical and mental abilities.
reluctant a.
If you are reluctant to do something, you are unwilling to do it and hesitate before doing it, or do it slowly and without enthusiasm.
quota n.
定额指标
benchmark n.
基准
metrics n.
指标
subprime a. n.
次级利率的
tally vt.
=count/calculate
envelop v.
遍布 : envelop northern China
power-outages
停电
uncapped a.
无上限的
leverage vt.
利用
compliance n.
合规性

推迟这个活动一年

delay the activity for a year.

在地理位置和银行执照这两个关键竞争优势中，一个优势的重要性正在迅速减弱。

Of two key competitive advantages – geography and a bank license – one has been rapidly diminishing in its importance.

这就给所涉及的银行带来了不同类型的风险，因此必须制定新的方法来监测和减轻这些风险。

This entails different kinds of risks to the banks involved and necessitates developing new approaches to monitoring and mitigating those risks .

4

他们授予董事会足够的权力，权力也包括对貌似合法的商业模式施加限制的权力

They mandate broad enough that they could include putting the brakes on otherwise-legal business models.

遵守

comply with / abide by

应对。。。的挑战

address … challenge

oversee v. → oversight n.
监管
muster v./n./a.
召集，聚集地，聚集的
clarity n.
清晰度
scrutiny n.
审查
align with
与。。。结盟

通过监督检查发现、执法行动和同意令，可能会提高合规期望的清晰度。

Improved clarity on compliance expectations is likely to come in the form of supervisory exam finding ,enforcement actions and consent orders.

从历史上看，早期创业公司往往侧重于确定产品/市场的适合性，并实现快速增长，以便筹集后续融资。

Earlier stage startups historically tend to be focused on identifying product/market fit and achieving rapid growth , in order to raise subsequent rounds of financing.

规避很多规则

skirt a host of rules.

以，，，为代价

at the expense of …

至少可以说，我们的发现是惊人的。

Our findings were surprising ,to say the least .

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尽管如此，CFPB 报告的总体主旨是，鉴于该行业越来越受欢迎，并且考虑到提供贷款的“先买后付”服务，即使它们是无息的，该行业也需要更多的监管。 关于BNPL的大部分争论都围绕它是否构成信用展开。

Still,the overall thrust of the CFPB`s report was that the industry is in need of more regulation ,given its growing popularity ,and in light of buy now-pay later services providing loans,even if they are interest-free. Much of the debate on BNPL has revolved around whether it constitutes credit.

leaner a.
更精简的
compelling a.
引人注目的
headwinds n.
不利因素
operating revenue
营业收入
diluted earnings
摊余收益
formidable a.
强大的
underscore v.
强调
enumerate v.
列举
payroll n.
工资单
full-blown a.
全面的
consensus a.
一致的，公认的
increase by 增长了 /to 增长到
purview n.
范围，权限，条款
prudent n.
审慎的
debut n.
亮相

同比下降1%

represent a year-over-year decrease of 1%

六年过去了

6 years have elapsed.

即将。。。

be on the verge of doing sth…

细微的差异

minute difference

6.英语语法虚拟语气总结

1. 与现在事实相反的虚拟：

If + did / were + …,(一般过去时) … would/ should/ could/ might + do （动词原形）（过去将来时/情态动词表将来）

If I were you, I would go abroad at once. (I am not you.)

If he knew it now, he could help me. (He doesn’t know it now.)

2. 与过去事实相反的虚拟：

If + had done + …,（过去完成时） … would (might) have done …（过去将来完成时）

If I had known your telephone number yesterday, I would have phoned you. (I didn’t know your telephone number.)

If you had come here a little earlier just now, you might have met her. (You didn’t come here earlier.)

3. 与将来事实相反的虚拟：

(1) If + should + v.,（should） … would + v. （可能性很小）（译作“万一”）（过去将来时）

If it should rain tomorrow, you could stay at home.

If I should fail, what should I do?

(2) If + did / were to + v …, would + v. （完全不可能）

If the sun were to rise in the west, I would lend you the money.

If you finished it in 3 minutes, I would give you my car.

4.

● 下列动词后的“宾语从句”中需要用虚拟形式，即should + 动词原形，shoud在美国英语中要省略（TOEFL语法考点）。此类常见的动词有：order, ask, decide, demand, require, recommend, suggest（建议）, insist（坚决要求）, advise, etc.

He suggested that we (should) help them with English.

The teacher ordered that the homework (should) be finished within half an hour.

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• contend
  vi. contend with something = deal with something
  vt. contend that +clause = state/argue that +clause.

• contender n.挑战者

这种风格的分数浓缩了公司财务报表中的所有基本指标，以真正了解其增长的质量和可持续性。

This style score condenses all the essential metrics from the company’s financial statements to get a true sense of the quality and sustainability of its growth.

该公司2022年和2023年的收益预计将分别以10.4%和10.5%的速度同比增长。

The company’s earnings for 2022 and 2023 are expected to grow at a rate of 10.4% and 10.5%, respectively, on a year-over-year basis.

@该公司通过沃尔玛提供的产品和服务的营业收入分别占2021年，2020年和2019年总营业收入的24%，27%和34%。

The company’s operating revenues derived from products and services offered through Walmart represented 24%, 27% and 34% of total operating revenues for 2021, 2020 and 2019, respectively.

@GD 在 6 月季度末的流动比率为 0.37，低于 3 季度末报告的 0.49 和去年同期的 0.75。

Green Dot’s current ratio at the end of the June quarter was 0.37, lower than the current ratio of 0.49 reported at the end of the March quarter and the prior-year quarter’s 0.75.

目前几乎不能说Pasadena的一些雇主是否正在考虑在员工减薪的条件下提供在家工作。

Little cannot say for now whether or not some Pasadena employers are looking at offering work from home on the condition that employees take a pay cut

他们重视工作地点的选择和灵活性，并准备为一家将工人放在首位并重视工作与生活平衡的公司跳槽。

They value choice and flexibility in where they work and are ready to jump ship for a company that puts workers first and values work-life balance.

@对于与气候相关的风险，我相信我们更容易受到想象力的失败的影响 - 没有问足够的“如果”问题 - 而不是我们面对严格或一致性的失败。

With climate-related risks, I believe we are much more exposed to failures of imagination — not asking enough ‘what if?’ questions — than we are to failures of stringency or consistency

• allegiance 忠诚度
• implication 影响

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