You must once and for all admit you have no power to resist sin, that you have nothing to offer the Lord but a broken-down, defeated and helpless lump of clay.

你必须彻底承认自己不能抵挡罪恶，除了那破败不堪，失败，无助的一块泥土以外，你没有什么可献给主。

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In either case, neither banking nor securities regulators seem to have a handle on these companies, which typically offer lump sums to down-on-their-luck military veterans and other retirees who are willing to forgo payments in exchange for a discounted lump sum.

FORBES: Pension Loans Finally Catch Regulators' Attention

The previous pay offer included a 1% lump sum for 2012, a 3% wage increase in 2013 and a 4% pay rise in 2014.

BBC: Jersey nurses 'may get higher pay deal'

The offer was a 1% rise in the next two years and a 1% lump sum payment.

BBC: Jersey teachers may strike over States pay offer