So the only thing you changed is adding another operator and (possibly) slowing down loop a little (AFAIR comparison is slower than bit operators).
所以你唯一改变的是添加另一个操作符和(可能)循环减慢一点(拖欠的比较是慢于操作符)。
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And unregulated institutions still have afair degree of discretion over whether loans are described as current; somerequire three consecutive payments to be made, others just one.