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1·They find that low-income students have less access due to challenges with regard to transportation, non-nominal fees, and off-campus safety.

他们发现，低收入家庭的学生更难以获得入学机会，因为交通、非名义上的费用和校外安全对他们都是挑战。

2·Most of the remaining six percentage points will go for income tax any time you wish to convert your twenty percentage points of nominal annual gain into cash.

任何时候你希望把20个百分点的名义年收入变为现金，剩下的六个百分点大部分将流向收入税。