Dean Dunham is the barrister and consumer finance Black Belt.

迪恩·邓纳姆（Dean Dunham）是大律师和消费金融黑带。

And last but not least, Sarah Pennells, the former journalist, now consumer finance expert at Royal London.

最后但并非最不重要的一点是， 莎拉·佩内尔斯(Sarah Pennells)，前记者，现任皇家伦敦消费金融专家。

In air travel, insurance, consumer finance and satellite TV, companies have cut prices to build their customer bases over the past five years but could not reduce costs enough to compensate, and compromised on quality.

过去五年里，航空、保险、消费金融、http: //www.remword.cn这几个领域的公司都通过降低价格来奠定客户基础，但它们所削减的成本都无法弥补损失，所以惟有降低服务质量。

Well, I think Neil is right in saying that consumer finances are in much better shape right now. So, in that sense, the kind of spending we're seeing now is more sustainable. It's healthier in a sense.

好吧，我认为尼尔说得对，现在消费者财务状况要好得多。因此，从这个意义上说，我们现在看到的这种支出更具可持续性。从某种意义上说，它更健康。

Michael Burry, who shot to fame in 2008 after shorting mortgage-backed securities, is concerned by unsecured consumer finance given the growth of " buy-now-pay-later" providers and the ease with which consumers have been able to tap credit-card lines.

迈克尔·伯里 (Michael Burry) 在 2008 年因做空抵押贷款支持证券而一举成名，鉴于“先买后付”供应商的增长以及消费者能够轻松使用信用卡，他对无担保的消费金融感到担忧线。