Day 4：
【單詞作業】
一、從句子看詞匯
European rules will open the door to a host of innovative services that analyze transactions.
歐洲法規將給交易分析創新服務創造更多機遇。
Apps?could warn account-holders if they spend?more than a predetermined amount or are?about to become overdrawn, or even?nudge them to save more.
predetermined
釋：If you say that something is predetermined, you mean that its form or nature was decided by previous events or by people rather than by chance. 預先確定的
例：The prince's destiny was predetermined from the moment of his birth.?該王子的命運從出生那一刻起就已經被決定了。
overdrawn
釋：If you are overdrawn or if your bank account is overdrawn, you have spent more money than you have in your account, and so you are in debt to the bank. 透支的
例：Nick's bank sent him a letter saying he was $500 overdrawn.?尼克的銀行給他寄了一封信，說他透支了500元。
nudge them to save more
釋：鼓勵他們增加儲蓄
To date, despite dire warnings, European?retail banking has been remarkably?unscathed by technology-driven disruption.
至今，除了可怕的警告，技術變革幾乎沒有影響歐洲零售銀行業。
dire
釋：Dire is used to emphasize how serious or terrible a situation or event is. 嚴重的; 可怕的 [強調]
例：The government looked as if it would split apart, with dire consequences for domestic peace.?政府看似就要分崩離析，給國內和平帶來可怕的后果。
disruption
釋： When there is disruption of an event, system, or process, it is prevented from continuing or operating in a normal way. 妨礙; 擾亂
例：?The plan was designed to ensure disruption to business was kept to a minimum.?該計劃旨在確保對業務的妨礙保持在最低限度。
Financial-technology?(“fintech”) companies are beginning?to mount a challenge, most conspicuously?in the online-payments industry in?northern Europe: Sofort, iDEAL and other?fintech firms conduct over half of online?transactions in Germany and the Netherlands,?for example. But their reach is more?limited elsewhere in Europe.
互聯網金融公司已開始發起挑戰，在北歐線上支付領域影響甚廣（諸如Sofort和iDEAL這樣的互聯網金融公司占德國線上交易的一半多），但歐洲其他地區的反應則要平淡得多。
mount a challenge
釋：發起挑戰，構成威脅
conspicuously
釋：明顯的，顯而易見的，顯著的
reach
釋： If a place or thing is within reach, it is possible to have it or get to it. If it is out of reach, it is not possible to have it or get to it. 可及的范圍
例：?It is located within reach of many important Norman towns, including Bayeux.?它位于諾曼許多重要城鎮的附近，包括巴約。
注： 在這里作名詞，和influence一個意思，用來表達影響的范圍。【積極儲備】
Santander’s British arm, for instance, has?teamed up with Kabbage, an American?startup, to offer small companiesworkingcapital?loans; BBVA, a Spanish bank, acquired?Holvi, a Finnish startup that helps?companies trackcashflowand invoices.
team up with:
釋：與….合作
Kabbage
注：Kabbage公司是一家非傳統的融資供應商，其主要服務對象是小型企業。
BBVA
釋：西班牙對外銀行（Banco Bilbao Vizcaya Argentaria）
invoice
釋：An invoice is a document that lists goods that have been supplied or services that have been done, and says how much money you owe for them. 費用清單; 發票
例：We will then send you an invoice for the total course fees.?然后我們將寄給你一張全部課程費用的發票。
Banks’ lockhold on payments serves as a handy source of income.
牢牢把控支付領域使得銀行輕而易舉就能賺錢。
handy
釋：A thing or place that is handy is nearby and therefore easy to get or reach. 手邊的
例：It would be good to have a pencil and paper handy. ?把鉛筆和紙放在手邊會很有好處。
Yet for all their complaints, customers still trust banks with their money.
盡管客戶怨聲載道，但他們依然更信任把錢放在銀行。
for all
釋：盡管、雖然（=despite）
例：For all its clarity of style, the book is not easy to read.
二、相關背景詞匯
1. incumbent
釋：An incumbent is someone who holds an official post at a particular time. 在職者 [正式]
例：In general, incumbents have a 94 percent chance of being re-elected.?一般情況下，現任官員有94%的幾率會再次當選。
2. resilient
釋：People and things that are resilient are able to recover easily and quickly from unpleasant or damaging events. 立即復原的
例：When the U.S. stock market collapsed in October 1987, the Japanese stock market was the most resilient.?當美國股市在1987年10月崩盤時，日本股市是最快復蘇的。
3. landscape
釋： A landscape is all the features that are important in a particular situation. 局面
例：?June's events completely altered the political landscape.?6月的事件完全改變了政治局面。
? ? ? ? Recent electoral shocks have shaken the European political landscape.最近的選舉風波震動了歐洲政壇。
注： landscape原意是風景、景色、地貌，此處是暗喻的用法，衍生為局面、局勢。由此可見衍生意思和原意都有一定聯系，大家稍加聯想，便不難理解。這種用法非常非常普遍，建議內化。【積極儲備】
4. have easy access to
釋：便于……
5. kick-start competition
釋：引發競爭
? ? kick-start ?
釋：To kick-start a process that has stopped working or progressing is to take a course of action that will quickly start it going again. 重振
例：The president has chosen to kick-start the economy by slashing interest rates.?總統已經決定通過大幅度降低利率重振經濟。
6. give explicit consent
釋：明確同意
7. one-click bank transfer
釋：一鍵轉帳
8. shake up?
釋： 帶來重大改變
9. low-value payments
釋： 小額支付
10. tighten up security
釋： 加強安全
11. Deloitte
釋：德勤（世界 四大會計師事務所之一）。
12. robust data-protection system
釋： 強大的數據保護系統
? ? ? robust
釋： Someone or something that is robust is very strong or healthy. 健壯的
例：?He was always the robust one, physically strong and mentally sharp.?他一向是個健壯的人，身體強壯、頭腦敏銳。
13. insured against losses from fraud
釋： 投保以防欺詐造成的損失
14. perfect on paper
釋：理論上完美
注：暗示實際操作起來可能困難重重，但并不代表實際一定不行，所以和“紙上談兵”不一樣。
15. exploit newcomers’ technology
釋：利用后來者的技術
? ? ? exploit
釋：If you exploit something, you use it well, and achieve something or gain an advantage from it. 充分利用
例：You'll need a good antenna to exploit the radio's performance.?你需要一根好的天線來充分利用該電臺的節目。
三、詞匯小拓展
【近義詞】---利用
1.?（使發揮效用）
例：make use of scrap material ??利用廢料
? ? ? ?make full use of the latest achievements in science and technology ? ??充分利用最新科學技術成就
2.（利用手段使為自己服務）?
例：utilize contradictions ?利用矛盾
? ? ? ?entertain guests at public expense ??利用公款吃喝
? ? ? ?make use of sb ??利用某人
? ? ? ?take advantage of sb.'s weaknesses ??利用某人的弱點
? ? ? ?make the best of a bad bargain ? ?利用逆境
? ? ? ?take advantage of opportunities ? ?利用時機
? ? ? ?abuse one's power/ exploit one's office ? ?利用職權
Day 5:
【邏輯導圖+神句翻譯】
1. New European payments regulation has the potential to shake up the banks.
新出臺的歐洲支付法規很可能深刻影響銀行業。
2. European rules will open the door to a host of innovative services that analyze transactions.
歐洲法規將給交易分析創新服務創造更多機遇。
3. Customers need barely ever interact with their bank.
客戶幾乎不需經銀行辦事。
4. European retail banking has been remarkably unscathed by technology-driven disruption.
技術變革幾乎沒有影響歐洲零售銀行業。
5. Fintech companies are beginning to mount a challenge, most conspicuously in the online-payments industry in northern Europe. But their reach is more limited elsewhere in Europe.
互聯網金融公司已開始發起挑戰，在北歐線上支付領域影響甚廣，但歐洲其他地區的反應則要平淡得多。
6. Regulators, however, are about to transform the landscape.
然而，監管部門即將著手改變這一狀況。
7. Banks’ lockhold on payments serves as a handy source of income.
銀行輕嚴格控制支付服務，賺錢輕而易舉。
8. Resistance is manifested as a concern about data protection. Such concerns are legitimate but also, argue fintech supporters, offer a convenient excuse for banks to block competition.
因擔憂數據保護而抗拒，這是合情合理的。但互聯網金融的支持者們卻認為，這也是銀行逃避競爭的絕佳借口。
9. Yet for all their complaints, customers still trust banks with their money.
客戶盡管經常怨聲載道，但卻依然信任并且存錢在銀行。
Day 6:
【總結反思】
【收獲】
1. 總體來說，比第一次要熟練一點，不管是在邏輯導圖還是在文章的閱讀方面。
2. 復盤的信息整理得很棒！重新整理一遍思維更加清晰了！
3. 篤師的建議很贊啊，尤其是詞匯的分類整理，“積極詞匯”和“消極詞匯”，用處不同，自然不能同等對待。
【反思】
1. 還是停留在文章層面上，對于文章的背景知識不夠了解。
2. 換了一種學習方法，好像更不適應了？還是要再探索，尋找更適合自己的學習方式。
Michelle
2017.4.16
