translation.en: Now, we've seen this before in the savings and loan debacle, and we know that this kind of fraud can only originate from the lenders, and that no honest lender would ever inflate the appraisal, because it's the great protection against loss.
translation.zh: 在储贷危机期间， 我们就遇到过这种情况， 我们知道这种欺诈行为的 罪魁祸首就是借方， 有节操的借方绝对不会 为估值灌水， 因为拒绝灌水才是防止损失的上策。