Although there are novel proposals to use insurance policies and convertible debt as capital, the immediate priority should be simplicity.
尽管有人提出新颖的提议，将保险单和可转换债务作为资本，但当前的重点应该是简单性。
2
Before the crisis the conventional wisdom had been that people would do whatever they could to stay in their houses, giving priority to mortgage payments over all other forms of debt.
危机前，传统智慧认为无论怎样人们都会竭尽所能保有自己的房子，按揭款的优先级将高于其他债务。
3
Once design debt has been identified and logged, repayment via refactoring should certainly be made a priority.