The idea is to make banks less prone to the kind of financial distress that we saw in 2008 and in the regional banking crisis that we saw earlier this year.

这个想法是为了让银行不那么容易陷入我们在 2008 年和今年早些时候看到的地区银行危机中的那种金融困境。

So yeah, writing things down is, as Maria says, basic, but also, it is not basic if writing things down helps you move away from the emotional parts of financial distress.

所以，是的，正如玛丽亚所说，把事情写下来是基本的，但如果把事情写下来可以帮助你摆脱财务困境的情感部分，那么它就不是基本的。

The SAVE plan (see our guide here) is expected to generate the lowest monthly payment for most borrowers, which means it's likely to be the best option for those in financial distress.

SAVE 计划（请参阅此处的指南）预计将为大多数借款人提供最低的每月还款额，这意味着它可能是陷入财务困境的人的最佳选择。

During the deep financial distress early in the covid-19 pandemic, they quietly managed just that, as the Committee on Capital Markets Regulation, a panel of researchers from academia, banking and business, concluded when later assessing their performance.

正如由来自学术界、银行业和商界的研究人员组成的资本市场监管委员会后来评估其表现时得出的结论，在 covid-19 大流行初期的严重财务困境期间，他们悄悄地做到了这一点。

They must constantly weigh the benefits of debt over equity (interest payments are typically tax deductible; dividends owed to the holders of equity are not) against the risk of financial distress (angry creditors are worse than irate shareholders).

他们必须不断权衡债务相对于股权的好处（利息支付通常可以免税；欠股权持有人的股息不能）与财务困境的风险（愤怒的债权人比愤怒的股东更糟糕）。