Point 2: look at the mortgage. The p2p platform is a credit loan or a mortgage. If it is a mortgage, it depends on what the mortgage is mainly, such as real estate, vehicles, etc., the loan risk of the mortgaged property is much smaller than the credit loan. If there is a risk, the company will sell the mortgage of the borrower to the investor. Wealth managers say that not only the collateral, but also the mortgage rate, which is the percentage of the value of the debt and the collateral. The mortgage rate is mainly to prevent the mortgage from not sufficient to cover the debt. If it is not, the risk of investment will increase and the situation of repeated mortgage will be avoided. Sunglasses allow better vision in bright daylight, and may protect one's eyes against damage from high levels of ultraviolet light. Typical sunglasses are darkened for protection against bright light or glare; some specialized glasses are clear in dark or indoor conditions, but turn into sunglasses when in bright light. Most sunglasses do not have corrective power in the lenses; however, special prescription sunglasses can be ordered. Specialized glasses may be used for viewing specific visual information (such as stereoscopy) or 3D glasses for viewing three-dimensional movies. Sometimes glasses with no corrective power in the lenses are worn simply for aesthetic or fashion purposes. Even with glasses used for vision correction, a wide range of designs are available for fashion purposes, using plastic, wire, and other materials. Mehrotra said: "historically, Micron in 3 d XPoint efforts focus on technology development and early stage, but because we are paying more and more attention to high value product solutions, we recently sent a team of product development resources, taking advantage of the opportunity of our eyes." (3) lorries: vehicles mainly used for transporting goods.