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1·Regulators should focus not on the tardiest payers, but on those banks that are too important to fail.

监管机构不应将重点放在最迟的付款人上，而应将重点放在那些太重要而不能倒闭的银行上。

2·If anything, regulators should focus not on the tardiest payers, but on those banks that are too important to fail.

不管怎样，监管的重点不应是还款的快慢，而应是这些银行明显的失败点。