填空题 Translate the following into Chinese．(北京航空航天大学2011研，考试科目：综合英语)How do lenders decide whether consumers are creditworthy? In America one of the key determinants is an individual"s FICO score, named after the Fair Isaac Corporation, which devised it. The idea goes back decades, to a time when small retailers, which needed to offer credit(money available for a client to borrow), pooled information on which customers were good and bad payers. These days the bulk of the information is provided by banks and lenders such as credit-card companies. This is translated into a score ranging from 350 to 800, with the most creditworthy customers getting the highest rating.Andy Jennings of FICO says that customers" rankings remain remarkably steady over time: the best payers remain the best payers. What does change is the level of bad debts across all categories when the economy hits a recession. During the subprime-lending boom mortgages were offered to borrowers with lower FICO scores than in the past. An updated version of the FICO model, to reflect the subprime crisis, was released last year.The crisis has brought about one big change in consumer behaviour. The mortgage used to be the last debt people would default on. They did not want to lose their homes or to forfeit the substantial deposit they had had to find. But during the subprime boom many borrowers were able to buy homes without putting down any money, which changed their attitude. In effect, they were renting with an option to profit from higher house prices.In the current recession some borrowers have given priority to their credit-card and car loans rather than their mortgages. After all, they can usually find a new home to rent. But without a car many of them cannot get to work and without a credit card they find it hard to shop.