2.下面是一篇关于高利贷的短文，请用五个十分钟的零碎时间脱口而出!!

When money is urgently needed, people may agree to pay any price for a loan. Too late, they may find themselves in the clutches of loan sharks. A loan shark is an unlicensed lender. Loan sharks cannot get licenses because their rates are higher than the law allows, sometimes 1,000 percent of more a year. Borrowers are hardly ever able to repay their loans. It is all they can do to pay the interest. Borrowers who fail to pay at least the interest on time have been threatened with injury. Sometimes such threats have been carried out. It is this method of collection that explains the name "loan sharks." Why do people borrow from them? Usually it is because they are such poor risks that they are unable to borrow from a legal lender. But in some cases it is because they do not know about other loan sources. All in all, loan sharking is a offense.

人在急需用钱的时候，为获得贷款可能会接受任何代价。当发现上了高利贷者的钩时已为时过晚。放高利贷者是无执照贷款人。就因为他们的利率超过法律规定，他们才领不到执照，有时年利率竟可达1000%以上。借款者几乎从没有人能偿还贷款。他们所能做的只是付付利息。若连利息都不能如期交付，就有遭到人身伤害的危险。而遭伤害的事时有发生。所以这种贷款又称“鲨鱼贷”。那又为什么还会有人向他们借款呢？一般是因为这些人信誉太差，不能从贷款机构借到钱。但也有人是不知道有其它贷款来源。总之，放高利贷是一种犯罪行为。

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下面送给大家一些超级句子，还配备特别成就感，大家可一定要全都脱口而出喔!!!

1. It's up to you.

---由你决定。

【额外成就感】

It is up to you to carry out the plan.
由你实行那个计划。

It’s up to us to help those in need.
我们有责任帮助那些有困难的人。

【特别解释】 up在这里是“应由……负责；由……决定”的意思，当我们想授权某人做某事时，我们就可以用up to 这个词。

2. I envy『羡慕』you.

---我羡慕你。

【额外成就感】

She envied John for his success.
她嫉妒约翰的成功。

I envy you your health.
我羡慕你健康的身体。

【身体健康就是幸运，请停止抱怨吧，你就是最幸运的人！】