The carbon cycle influences the rate at which mountains weather down into seas, the deep circulation of ocean waters helps govern the ebb and flow of ice sheets, and so on.

碳循环影响了山脉夷为海洋的速度，海水深度循环有助于控制冰川消逝和流动，诸如此类。

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The trick is to find the real interest rate at which those with perfectly healthy balance sheets decide to put their savings to use.

诀窍在于找到那些完全健康的资产负债表可以决定把自己的积蓄用来使用的实际利率。

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Monetary easing is largely useless because people with balance sheets under water are not interested in increasing borrowings at any interest rate.

货币宽松政策基本上无用武之地，因为当资产负债表陷入困境，无论利率是多少，人们对增加贷款就是不感兴趣。

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The rate guarantee language has been removed from all marketing materials including the state-specific booklets and rate sheets.

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The year also saw Arctic sea ice hit a record low in more than 30 years of satellite observations and studies that found the world's major ice sheets have been shrinking at an increasing rate.

CNN: NOAA: 2012 broke U.S. heat records

In mature markets, with the turbo-boost of leverage gone and bank balance-sheets still to be slimmed, a growth rate in line with GDP is probably as much as can be hoped for.

ECONOMIST: Banks will still make money, just less of it