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重点讲解：
1.is critical to是至关重要的
The answer to this question is critical to success of the user interface.
这个问题的答案对于用户界面的成功是至关重要的。
2.pay back偿还；报答
Microfinance efforts have shown that the poor are credit-worthy and pay back their loans despite not having assets or working capital.
微型金融方面的实践显示，穷人有信用，虽然不具备资产或运转资本，但他们会偿还贷款。
