3.While the inclination to procrastinate is common , one must fully consider the detrimental impact of unnecessary delays.
虽然拖延倾向是普遍,但是人们应该充分考虑到不必要延有害影响。
4.The new system should target the detrimental effects of moneylending by freeing borrowers from high interest rates and any pressures or legal requirements to repay loans.