translation.en: During the savings and loan debacle in 1984, we looked at every single failure, and we looked for common characteristics, and we discovered this recipe was common to each of these frauds.
translation.zh: 1984年储贷危机期间， 我们仔细研究了每一个破产案例。 寻找其中的共同点， 我们发现这一套路在每个欺诈案例中 都存在。