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The Federal Reserve cut interest rates by a larger-than-usual half percentage point on Wednesday.
本周三，美国联邦储备委员会将基准利率下调了半个百分点，下调幅度比以往任何时候都要大。
Fed Chair Jerome Powell said it was aimed at boosting a cooling job market while continuing to push down on inflation.
美联储主席杰罗姆·鲍威尔表示，此举旨在提振正在降温的就业市场，同时继续压低通胀。
"This decision reflects our growing confidence that, with an appropriate recalibration of our policy stance,
“这一决定反映出我们越来越有信心，通过适当校准我们的政策立场，
strength in the labor market can be maintained in a context of moderate growth and inflation, moving sustainably down to 2 percent."
在经济温和增长、通胀持续朝着2%下降的情况下，劳动力市场的强势可以保持下去。”
But what will the first rate cut in four-and-a-half years mean for everyday consumers?
但四年半以来的首次降息对普通消费者意味着什么？
The central bank said it doesn't see the policy rate returning to the sub-2% levels that prevailed for more than a decade before 2022.
该美国央行表示，预计政策利率不会回到2022年之前十多年来普遍存在的低于2%的水平。
That means that era's low mortgage rates, often under 4%, aren't coming back any time soon.
这意味着那个时代的低抵押贷款利率（通常低于4%）不会很快恢复。
But the rate cut could start to ease some financial pressures.
但降息可能开始缓解一些金融压力。
A lower policy rate should translate to cheaper borrowing costs for most kinds of loans while, on average, paychecks are now rising faster than prices, as inflation has cooled substantially.
较低的政策利率应该意味着大多数贷款的借贷成本更低，同时，由于通胀大幅降温，平均而言，工资现在的上涨速度要快于物价的上涨速度。
