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重点讲解：
1. all of a sudden 突然地；出乎意料地；
例句：All of a sudden she didn't look sleepy any more.
她突然看起来一点都不困了。
2. pay off 偿清，还清（债务）；
例句：It would take him the rest of his life to pay off that loan.
他得用余生来还清那笔贷款。
3. lead to 招致；致使；导致；
例句：A lack of prudence may lead to financial problems.
不够谨慎可能会导致财政上出现问题。
4. be responsible for 负有责任的；应承担责任的；
例句：He could never quite put his finger on who or what was responsible for all this.
他一直就搞不清楚是谁或者什么造成了这一切。
n. 审慎，慎重，精心明辨
