题目内容：
听音频，回答题 IfyouwatchthenewsinBritainorlookataBritishnewspaperatthemoment,atermyouaremorethanlikelytocomeacrossis"creditcrunch".This26termmeansthatpeopleinBritainarefeelingthepainrightnow.Acreditcrunchmeansbankshave27moneytoloanpeople,whichinturnhasaneffectonmanyotherthings.Theeffectthisshortageofmoneyhasiscalledthecreditcrunch.
Thebeginningsofthisproblemcanbe28America,wherepeoplewithapoor29historywereallowedtotakeout30,whichtheywereunabletorepay.Banksoftenlendandborrowmoneyfromeachother,somethingwemightnothaverealizedtheyactuallydo.Itwas31cheaperforbanksinAmericatogetmoneythisway,thantoborrowmoneyfromAmerica'sFcderalReserve,theircentralbank.Alotoftheseloansthatpeoplewereunabletopaybackweresoldontootherbanks,manyofthemintheUK.Asbanksdidnotknowthelevelofdebttheywere32,theynolongerwantedtolendmoneytoorborrowmoneyfromotherbanks.Thereisnowlessmovementofmoneybetweenbanksandthereforeashortageof33money.Banksandotherfinancialinstitutionshaveto34thisbyincreasingfeesandratesonproductssuchasmortgages,loansandcreditcards.35,theaveragemanisaffectedasitisharderforthemtoborrowmoneywiththeseincreasedrates.
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