تعلم الإنجليزية الحقيقية من الأفلام والكتب.
أضف كلمات أو عبارات للتعلم والتدريب مع متعلمين آخرين.
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ابدأ التعلم
Hi, how are you?
Hey, Mr Bennet. Here we have.
- Let's see what you got. - You smell that? What is that?
- What? - What's that smell?
- Your cologne? - No.
- Opportunity. - No. Money.
- Oh... Okay. - I smell money.
- Okay.
- Chris... - Damn it. Sorry.
This is your basic mortgage bond.
All right? The originals were simple.
They were just thousands of triple A mortgages bundled together,
guaranteed by the U.S. government.
The modern ones are different.
They're private. And they're made up of layers of tranches.
Highest level, triple A, is getting paid first.
The lowest rated, B, is getting paid last, taking on defaults first.
Now, obviously, if you're buying B's, you could make more money.
But they're a little risky.
Sometimes they fail.
Chris?
Somewhere along the line, these B's and double B's went from a little risky
-to dog shit. Where's the trash? - Behind you.
I'm talking rock-bottom FICO scores.
No income verification.
Adjustable rates. Dog shit!
The default rates are already up from one to four percent, fellas.
And if they rise to eight percent, and they will,
a lot of these triple B's are going to zero, too.
And that...You're too close. ...is an opportunity.
Okay, you're saying that at eight percent the bonds fail
and we are already at four percent?
- That's right. - If they go to eight, it's Armageddon?
Yeah. That's right.
How come nobody's talking about this?
You're completely sure of the math?
Look at him. That's my quant.
- Your what? - My quantitative!
My math specialist. Look at him.
You notice anything different about him? Look at his face.
That's pretty racist.
Look at his eyes! I'll give you a hint.
His name's Yang!
He won a national math competition in China!
He doesn't even speak English!
Yeah, I'm sure of the math.
Actually, my name's Jiang and I do speak English.
Jared likes to say I don't because he thinks it makes me seem more authentic.
And I got second in that national math competition.
So, you're offering us a chance to short this pile of blocks? How?
With something called a credit default swap.
It's like insurance on the bond, and if it goes bust
you can make ten-to-one, even twenty-to-one return.
And it's already slowly going bust!
Ten-to-one? Twenty-to-one? No way.
And no one's paying attention.
No one is paying attention!
Because the banks are too busy getting paid obscene fees, to sell these bonds.
But wait. You are the bank.
Well, you work for the bank. I bet your margins are pretty nice and fat.
Let's not talk about my margins, by the way.
Being nice and fat, that's a nice shirt. Do they make it for men?
Aren't you the bank?
I work for the bank. I don't think like a bank.
Big bank, small bank, I like to make money. All right?
Let me put it this way. I'm standing in front of a burning house...
And I'm offering you fire insurance on it.
A's, zero. B's, zero. Double B's, zero. Triple B's, zero.
And then that happens.
What is that?
That's America's housing market.
verification - التحقق
triple - ثلاثي
thousands - الآلاف
thinks - يعتقد
think - يفكر
these - هؤلاء
talking - الحديث
standing - مكانة
government - حكومة
english - الإنجليزية
bennet - بينيت
double - مزدوج
defaults - التخلف
level - مستوى
default - الافتراضي
competition - منافسة
getting - الحصول على
front - أمامي
mortgage - الرهن العقاري
mortgages - القروض العقارية
happens - يحدث
chance - فرصة
eight - ثمانية
banks - البنوك
quantitative - مرور
obscene - فاحش
could - استطاع
offering - عرض
taking - مع الأخذ
authentic - حقيقي
tranches - شرائح
credit - ائتمان
right - حق
buying - شراء
somewhere - مكان ما
anything - اى شى
money - مال
chris - كريس
specialist - متخصص
about - حول
close - أغلق
along - على طول
cologne - كولونيا
called - مسمي
going - ذاهب
guaranteed - مضمون
actually - فعلا
already - سابقا
attention - انتباه
bonds - الربط
notice - تنويه
armageddon - الكارثة
basic - الأساسية
blocks - كتل
highest - أعلى
layers - طبقات
bottom - الأسفل
adjustable - قابل للتعديل
modern - حديث
different - مختلف
racist - عنصري
simple - بسيط
burning - احتراق
house - منزل
housing - إسكان
little - قليل
because - لان
lowest - أدنى
private - نشر
insurance - تأمين
likes - الإعجابات
behind - خلف
makes - يصنع
scores - درجات
margins - هوامش
income - الإيرادات
opportunity - فرصة
national - الوطني
smell - رائحة
obviously - بوضوح
together - سويا
bundled - المجمعة
originals - أصول
completely - تماما
rates - معدلات
sorry - معذرة
china - الصين
paying - دفع
small - صغير
percent - نسبه مئويه
first - الأول
pretty - جميلة
quant - ضليع في الرياضيات
rated - مقدر
jared - جاريد
return - إرجاع
risky - محفوف بالمخاطر
twenty - عشرون
saying - قول
shirt - قميص
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