... Five Unified Plans (Five Tongchou)五统筹（农业税费乡级五统筹） fly by night companies没有信誉的公司 form over substance形式重于内容 ...
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fly by night companies
夜航公司
以上为机器翻译结果，长、整句建议使用 人工翻译 。
He says many fly-by-night companies and some big ones are out of business, and he says the terms were ridiculous, and that's why you have so many defaults.
NPR: Responsible Consumers Decry Mortgage Bailout
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