Day 1. vocabulary and expressions
1. overdraw v.BANKINGto take more money out of a bank accountthan it contained: 透支
overdraw sth by$20/$200 etc. Eg. I overdrew my account by £50.
overdraw on sthEg. It is not possible for children to overdraw on their accounts.
2. unscathed adj without injuries or damage being caused: 未受伤的
Eg. Her husband diedin the accident but she,amazingly,escaped unscathed.
3. incumbent
(1) adj.officially having the named position现任的；在职的
Eg. The incumbentpresidentfacesproblemswhichbeganmanyyearsbefore he tookoffice.
be incumbent on/upon sb:to be necessary for someone（某人）义不容辞；（某人）必须履行
She felt it incumbent upon/on her to raise the subject at thei rmeeting.
(2) noun :the person who has or had a particular official position现任者，在职者
the first/last/previousincumbent 第一任／上一任／前任
Eg. The present incumbent (of the post) is due to retire next month.
4. resilient adj:able to quickly return to a previous good condition有弹性的；有复原力的；适应性强的
Eg. This rubber ball is very resilient and immediately springs back into shape.
Eg. She's a resilientgirl- she won't beunhappyforlong.
5. cumbersome: adj awkward because of being large,heavy, or not effective
笨重的；累赘的；低效的 Eg.cumbersomeequipment
6. kick-start
v. (1)to make the engine of a motor cyclestart by forcefully pushing down a metalbar with your foot用脚踏启动（摩托车）
(2）to make something start to happen促使…开始
Eg .Taxes were drastically cut in an attempt to kick-start the economy.
7.rock-bottomn.(1)the lowest possible level最低点；最低水平
Eg. Confidence in the government is at rock bottom.
Prices have reached rock bottom.
(2)the most unhappy that someone has everbeen in their life
（生活中的）最低点，最不愉快的时刻
Dan had just leftme and I was a trock bottom.伊恩刚刚离我而去，我心情糟到了极点。
8.water sth down:
(1) to add waterto a drink, usually an alcoholic drink, in order to make it less strong在（酒精饮料）中掺水，稀释
(2) to deliberately make an idea or opinion less extreme, usually so that other people will acceptit使（观点等）弱化；使缓和
Eg. The party has watered down its ideals in order to appeal to the centreground.
9. invoice noun[C]
a list of things provided or work done together with their cost, for payment at a later time
发票；费用清单
Eg. Invoices must be submitted by the 24th of every month.
(2) invoice verb[T] to supply an invoice给…开发票
We'll invoice you for parts and labour.零件和人工费用我们将给你开发票。
10. entrant noun[C]
a person who becomes a member of a group or organization. 新成员；新会员；新职员
Eg. new entrants to theschool/company学校新生／公司新职员
a person who takes part in a competition or an exam参赛者；考生
All entrants complete two three-hour papers.
Day 2 神句翻译 & 思维导图
神句翻译
1.New European payments regulation has the potential to shake up the banks.
欧洲出台了新的支付政策，这可能会重新平衡现在银行的格局。
2.European rules will open the door to a host of innovative services that analyze transactions.
欧洲新出台的这些规定将会为大量依靠银行交易数据的新型服务应用带来发展契机。
3.Customers
needbarely everinteractwith their bank.
顾客办理这些业务基本上不需要去银行。
4.Europeanretail banking has been remarkably unscathed by technology-driven disruption.
可是很显然，目前欧洲的零售银行业基本上还没怎么受到互联网金融的冲击。
5.Fin-techcompanies are beginning to mount a challenge, most conspicuously in the online-payments industry in northernEurope. But their reach is more limited elsewhere in Europe.
特别是在北欧网上支付行业方面，互联网金融开始对传统零售银行发起挑战。但是互联网金融在欧洲其他地方的发展规模还很有限。
6.Regulators,however, are about to transform the landscape.
但是监管机构将要改变零售银行将信息垄断这一局面。
7.Banks’ lockhold on payments serves as a handy source of income.
零售银行靠紧紧掌握顾客的交易信息，轻轻松松地赚了大笔收入。
8.Resistance is manifested asa concern about data protection. Such concerns are legitimate but also, argue fintech supporters,offer a convenient excuse for banks toblock competition.
零售银行不愿向互联网金融提供顾客交易信息，说这样做可能会造成数据泄露。尽管这样的担忧合理，可是互联网金融的支持者认为这正好可以作为银行垄断竞争的说辞。
9.Yet for all their complaints, customers still trust banks with their money.
尽管顾客常常抱怨零售银行，他们还是认为在银行办理业务更加保险。
神词组:
become overdrawn:透支
nudge them to save more：帮助他们省下更多的钱
have easy access to:轻松获取
kick-start competition:发起竞争
give explicit consent：明确同意
one-click bank transfer:一键转账
low-value payments:小额支付
tighten up security:提高安全性
guide them toward:引导
rich data:大量数据
leave them in a weaker position:使他们处于更加不利的处境
robust data-protection system:有效的数据保护系统
insured against losses from fraud:确保不会遭到欺诈损失
perfect on paper:表面上天衣无缝
team up with:与….合作
exploit newcomers technology:侵占其他创业公司的技术
思维导图： Levelling the paying field
Day 3 小结与反思
最开始看到题目的时候有点蒙，还好有笃师的讲解，还说到了它的来源：" levelling the playing the ground". 英语中有很多这样的表达，这运用了一种修辞手法----仿拟。第一天虽然整理了词汇，对文章的具体内容理解很不深入。只知道讲的是零售银行和互联网金融公司还有欧洲新出台了相关法规。看了群里的消息，根据一些同学提出的问题、大家的回答让我慢慢地对原文熟悉起来。感谢群里的正好从事银行工作的大神，给大家进行了专业解答。掌握一些背景知识有助于理解原文。
每次的翻译神句练习总是收获颇丰。首先是练习了翻译，虽然看了笃师的批注会发现自己的翻译还需大大改进。有些是理解出现了偏差，有些是句子表达不够凝练顺畅。对照笃师的批注，不仅找出了自己译文的不足，还加深了对原文的理解。此外笃师扩充了一些背景知识和词汇表达，干货满满。最后听了笃师对文章脉络的分析，总算是搞清楚了文章的核心思想，纠正了自己之前的一些偏差。我觉得只要一步一步跟着笃师走，每天把应该做的工作落实了就会得到自己想要的结果。
