Retirement assets such as individual retirement accounts cannot be used to secure loans ， but even they may indirectly count in a borrower's favor as evidence of astuteness .
People saving for retirement and other long-term goals, for instance, have seen the value of stocks in their 401(k)s and IRAs drop by nearly 30 percent on average in a matter of weeks.
，可即便如此，它们却会证明你很精明，并因此而博得
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