3.While the inclination to procrastinate is common , one must fully consider the detrimental impact of unnecessary delays.
虽然拖延的倾向是普遍的,但是人们应该充分考虑到不必要的延误造成的有害影。
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.