1.opt to do sth. 选择
How much capital did banks opt to hold when they had the choice?
当银行有选择的时候，他们会选择持有多少资本呢？

2.at high risk 在……方面存在较高风险
Vicars in London have been trained in karate after a survey showing that they were at high risk of attack.
在调查显示伦敦的牧师被攻击的风险较高之后，他们就开始练跆拳道了c&]0=ysdR,3wUGZM&]。

3.pass away 离世
Most people do not realize how much they appreciated someone until they pass away.
大多数人一辈子都不知道他们有多感激某人QK.chc]gOuxwH。

4.reluctant to do sth.不愿
As a young woman with a broken heart, she was reluctant to confide in her father, thinking he could not help. She was wrong.
一个心已破碎的年轻女子，她不愿意相信她的父亲，认为他也帮不上什么忙，可是，她错了oQgW.tu;v~S]。