我们唯一没有预测到的就是银行的借贷行为 到底有多糟糕 ，这些银行 到底有多不透明 以及它们的风险管理体系到底有多不恰当。
The only thing we got wrong was how bad banks’ lending practices were, how non-transparent banks really were, and how inadequate their risk management systems were.