根本的一点是，有问题天天讲评，不要积聚算总账。

It is essential that there is the issue of comments every day and not the accumulation of general ledger balance.

现在我得集中精力写新的，到那时候，咱们编全集，算总账。

Now I want to focus on new works, and after that we can publish a total collection.

信用卡拖欠还款看起来就像是一块悬而未决的心病，亟待解决，因为缺乏现金的美国人不断积欠信用卡债款，以推迟算总账的那一天。

And credit card defaults look like the next shoe to drop as cash-strapped Americanshave run up credit card debt to postpone the day of reckoning.