If you're an effectivecredit card user - make that a highly effective user - you're never surprised by your bill.
如果你是一个有效的信用卡用户——使得一个高效的用户，你不会感到惊讶，你的帐单。
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In order to reflect and deal with credit risk well and truly, both the Banks themselves and the supervision authorities need more effectivecredit risk computation and management technologies.
The European Union argues that one credit must equal one tonne of carbon dioxide for its Emissions Trading Scheme, the largest emissions market, to be effective.