急!请英语高手帮忙翻译一下以下这二段话用英语怎么说（不要用翻译软件）
Times of crisis also known as the subprime mortgage loan crisis, which refers to a place in the United States, as a result of subprime lending institutions go bankrupt investment funds have been forced to close, the stock market turbulence caused by the violent storm. It resulted in major financial markets around looming lack of liquidity crisis. U.S. "sub-loan crisis" from the spring of 2006 to begin the show. August 2007 swept across the United States, the European Union and Japan, the world's major financial markets. The United States subprime mortgage market turmoil in the United States is the direct cause of the rise in interest rates and housing market continued to cool. Subprime mortgage lending refers to the number of bodies credibility to the extent of poor and low income borrowers of loans.
In the United States, the loan is a very common phenomenon, from house to the car, from credit card to the phone bill, credit everywhere. Few people buy the whole paragraph, the loans are usually for a long time. But we also know where unemployment and re-employment is a very common phenomenon. These income is not stable or even no income, how they buy it? Because the credit rating are not up to standard, they are defined as sub-credit loans, referred to as sub-borrowers.
Because of high prices before, that despite the bank to provide loans to the sub-credit loans, if the borrower can not repay the loan, it can be used also to the housing mortgage, sale or auction after the recovery of bank loans. However, due to lower prices of a sudden, are unable to repay loans, the Housing Bank to sell, but the funds can not be found to make up for that time of the loan + interest, and even can not make up for the loan itself, so that the bank will loan the losses incurred .
One of the two lenders in such a good, but because of rising interest rates, the installments, together with the loans themselves are sub-credit borrowers, thus leading to a large number of those who can not repay the loan. As mentioned above, the Housing Bank to recover, but can not sell at high prices, large losses, led to the debt crisis meeting.
Loan-to-time crisis:
First of all, the impact is one of the many high-income buyers. Due to inability to repay loans, they will face a housing bank was recovered a difficult situation.
Second, there will be more in the future of the subprime mortgage lending institutions because of Shoubu Hui suffered severe damage and even forced to file for bankruptcy protection.
Finally, the United States and Europe as a result of a number of investment funds by buying a large number of subprime mortgage securities derived from investment products, they will also be badly hit.
哎呀~~累死了！！！
我个人翻译的，凑合看吧。
“自从一年前总统宣布了气候行动计划，能源部已经完成了一系列的行使有效的规章制度，期待到2030年能为美国节约超过600亿的资金和每吨减少3.4亿的碳排泄量。”能源秘书长欧内斯特.莫尼玆说道，“这些规章制度在帮助美国省钱的同时也起到了保护环境的作用。能源部将继续推进这些规章制度来促进美国进一步的地摊的未来生活。同时也保护了我们孩子的健康，减缓了气候变化锁带来的影响。
再结合你自己的理解，我的翻译你的翻译兼容一下，希望对你有帮助。
hi,I have received your letter.please help to take some photos of the damaged goods and mail to me.I am very sorry if it is truly damaged during the transportation,and I will send the new parts to you as soon as possible,looking forward to your reply,thanks a lot!
2／真的很抱歉您到现在还没收到物品，请再多等两天，如果仍未收到请告知我，我将重新寄过新的物品给您，或者退全款给您，非常抱歉．
I am very sorry you don't still recieve the good,please wait more two days.and tell me if you don't receive it after waiting more two days,I will resend new goods to you or return your all refund.sorry for any inconvenient caused.
1. Hello, I have recieved your letter, please take a photo of the damaged product and email it to me, if it is a damage that was caused during the delivery, I will apologize and will re-deliever a new product to you as soon as possible. Looking forward to your reply.
2. I'm very sorry that you haven't received the delivery, please give it 2 more days, and tell me if it's still not coming, I'll re-deliever your order, or give you a full refund, sorry about the delay.
1 / Hello, I have received your letter and CoulD I trouble you to take photos of the damaged and email to me, if the transportation of goods indeed leads to the damage, I deeply regret that and will send a new Items to you as soon as possible. I am Waiting for your response.
2 I am really sorry that you have not received your item right now, please wait for another two days, if you have not received please inform me and I will send a new item to you, or send the whole fee back to you, I am very sorry .
1 / Hello, I have received your letter and your troubles will be damaged goods to take photos email to me, if indeed lead to the transportation of goods damaged, I deeply regret that as soon as possible and will send a new Items to you. Waiting for your response.
2 / am really sorry to now have not received your item, please wait for another two days, if they have not received please inform me and I will be sending a new item to you, or the whole paragraph back to you, very sorry .
俺不是高手，供参考，有人帮修改下更好。
1.Rcvd your msg, please email the pic of the damaged goods。We will resend another one if the goods damaged during the transport. Awaiting for your reply and so sorry for this case.
2.So regret that you still not rcvd the goods until now. Please wait 2days more,if you still not rcvd then we will send new one or return your payment,sorry for any trouble.
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答：and pack will be free of charge.9、要不您对比别家的再参考一下 you are welcome to check the information with other stores if you are really unsure about it.10、慢走，欢迎下次光临 Take it easy and see you then.这基本就是英国电脑商店里面的常用语了，希望能够帮上你。谢谢。
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