信任與提款權限
Keith and Mindy are siblings. They are talking about opening a joint account.
基斯和敏迪是兄妹。他們在談論開設聯名帳戶。
Mindy: Keith, you and your wife are sharing an account, right?
敏迪：基斯，你跟妻子共用一個帳戶，對吧？
Keith: We do pool our funds into a joint account. Why do you ask?
基斯：我們確實會把資金匯集到聯名帳戶裡。為什麼這麼問？
pool(v.)集合、蒐集
Mindy: My husband and I are thinking of opening one, too. But I’m not sure whether it is a good idea.
敏迪：我丈夫跟我也在考慮開設聯名帳戶，但我不確定這是不是個好主意。
Keith: Well, you can make a pros-and-cons list to help you sort things out.
基斯：你可以列出優缺點幫你釐清啊。
pros and cons 優缺點sort out整理、釐清
Mindy: One of the upsides that comes to mind is that we can bypass the requirement of maintaining a minimum account balance.
敏迪：我想到的其中一個優點是，我們可以忽略維持最低帳戶餘額的規定。
upside(n.)優點=merit=advantagedownside(n.)缺點=demerit=disadvantagebypass(v.)越過、忽視、置⋯⋯於不顧minimum(adj.)最低限度的maximum(adj.)最高限度的
Keith: And, by combining your finances, it’s easier to manage funds and make payments for your mortgage, bills, debts, etc.
基斯：而且，透過整併財務，管理資金與繳付房貸、帳單、債務等款項會更簡單。
combine(v.)結合、整合、合併
Mindy: That’s true. But what worries me is the unlimited access to the funds in our joint account. It’s not that I don’t trust my husband. I guess I’m not ready for it yet.
敏迪：確實。但我擔心的是，取得聯名帳戶資金的權限沒有限制。並不是說我不相信我丈夫，我想我還沒準備好這麼做。
unlimited(adj.)無限的access(v.)(n.)登入或進入(的權限)、取得或使用(某物的機會或權利)
Keith: Actually, a joint account can only be accessed by either party without authorization if it is titled with an “or” between the account holders’ names. If it is titled with an “and,” then signatures of both parties are required.
基斯：其實唯有帳戶持有人姓名之間註明「或」，任何一方才能在未經授權之下取得聯名帳戶內的資金。如果戶名上是註明「與」，那就得要有雙方的簽名。
authorization(n.)授權authorize(v.)授權title(v.)給～下標題或取名字
Mindy: I see. Another thing that scares me off is that we will both be liable for a negative balance or debt once our account becomes jointly held.
敏迪：了解。另一點使我卻步的是，一旦共同持有帳戶，雙方都得共同承擔負值餘額或債務。
be liable for 承擔～責任=be responsible for=be accountable for
Keith: Hey, you don’t have to push yourself into merging money with your spouse. Discuss it with your husband before doing so.
基斯：嘿，你不必強迫自己跟另一半整併資金。在那之前，先跟你丈夫討論看看吧。
push(v.)強迫、迫使merge A with B將A與B整合起來