美国参议院常务委员会 Today the United States Senate Committee on Government Operations
今天开始就受保银行举行听证会 begins hearings on federally insured banks.
人们对现有法律是否足以监督 We are concerned whether existing laws are adequate to guarantee
受保银行经营者的品行 资历和道德存有隐忧 the character, experience, and integrity of people who acquire such banks,
这些银行被视为美国资本主义社会 which are the cornerstones of American capitalism
以及“美国梦”的基石 and the foundation of the American dream.
（根据真人真事改编）
（1965年 华府）
伯纳德 你要步步为营 他们要对你杀一儆百 Be careful in there, Bernard. They want to make an example out of you.
委员会传召伯纳德盖瑞特上庭供证 Committee calls Bernard S. Garrett to testify.
盖瑞特先生 我相信你了解个中轻重 Mr. Garrett, I think you understand the stakes.
（1939年 德克萨斯州 威利斯）
凯雷集团和春天集团？ Carlyle and Spring?
对啊 每年租金收入达八万美元 太强了 Right. Annual rental income 80,000, which is strong,
可是米勒先生 希望用六这个收益乘数来估值 but Mr. Miller wants us to use a six multiplier to value it.
那也太高了吧 That's too high.
他等一下会过来议价 或许你可以参与 He's coming in an hour to negotiate on it. Maybe you can step in.
好啊 All right.
这小子把鞋子擦得挺亮的 Boy does a pretty good shine.
比大多数擦鞋童勤奋多了 Harder worker than most of 'em.
（六倍 太高了）
威利斯也许没有类似房产 There may not be comps in Willis,
但你不妨看看我在县内的其他房地产 but take a look at the other properties I own in the county.
收益乘数为六是合理的 A six multiple is reasonable.
你在康罗有其他房产 那边因为早前发现油矿而快速发展 Your other buildings are in Conroe, which is booming with the oil find.
我觉得这不能算类似房产 So, I'm not sure this is a good comp.
威利斯也在蓬勃发展 Willis is booming too.
小子 你在这边干什 么？ Hey! What are you doing up there, boy?
你在偷看白人做生意？ You spying on these white people's business?
给我回来！ Get back here!
我一定会告诉你爸的！ Your dad's gonna hear about this!
小子 看路！ Hey! Watch it, boy!
要是让白人知道你在偷看他们做生意 你说他们会怎么对付你？ What do you think them white folks would do if they knew you were spying on them?
我小时候见过小伙子们 因更小的事丢了性命 When I was growing up I've seen boys killed for less.
你知道那种看着年轻小伙子 被吊死在树上的心情吗？ You know what it's like to see a young boy hanging dead from a tree?
别以为最近没发生这种事 它就不会再重演 And don't think because it hasn't happened recently, it couldn't happen again.
我只是想学他们怎么赚钱 I was just trying to learn how they make money.
（现值 年金）
你很有天赋 You are so talented.
你怎么学会的？ How did you learn all this?
儿子 可惜你一出生就是个黑人 You was born the wrong color, son.
黑人不能用这种方式赚钱 Negro man can't earn money with this.
白人不允许 无论你在这方面有多强 White man won't let him, no matter how good at it you are.
可能在德克萨斯州行不通 Maybe not in Texas.
你真以为到其他地方后 情况就会不同了吗？ You really think it's gonna be different for you, you go somewhere else?
（1954年 洛杉矶）
我们来到加利福尼亚州了 We're in California.
怎么了？ What's wrong?
我只是很期待跟你叔叔一起吃晚餐 Just looking forward to having dinner with your uncle.
航空公司发展迅速 Well, the aircraft companies are booming.
诺斯洛普公司有意招聘五千名员工 加入装配线 Northrop is looking to hire 5,000 new workers for their assembly line
他们要聘请我们这种人 and they hire our kind.
我可以帮你安排参加明天的面试 And I can get you an interview there tomorrow.
叔叔 感谢您的好意 我到这里来是想在房地产业一试身手 Well, thank you, sir. But I came here to try my hand at real estate.
这边当房地产经理的黑人不多 There's not a lot of colored real estate agents.
我是指购房出租 Owning property and renting it out.
你嫁了个百万富翁吗 尤妮丝？ You married a millionaire, Eunice?
迪肯 Deacon.
小子 我当然希望你成功 Well, I sure hope you're close, son.
洛杉矶可不像德州小镇 This isn't some one-horse town in Texas.
这边的房地产不便宜 Real estate is expensive here.
我们在休斯顿开过一家公司 伯纳德存了一笔钱 Bernard saved up money from a company we started in Houston.
在找到负担得起的房地产前 你有什么打算？ So, what do you plan to do until you find something you can afford?
继续找 Keep looking.
直到花光全部积蓄为止吗？ And spend down your savings till they're gone?
直到无法交租为止吗？ And then can't pay your rent?
迪肯 够了 Deacon, stop.
你会在每月1号 You'll get your rent the first of every month,
收到当月的预付租金 one month in advance.
我该去哄小伯纳德睡觉了 I should go get Bernard Jr. in bed.
失陪了 Excuse me.
尤妮丝 为什么你老公这么讨厌工作？ Eunice, what does your husband have against working?
在他找到适合的房子前 如果有必要帮补家计 If we need to supplement our income until he finds the right property,
我会到种植园俱乐部工作 I'll work at the Plantation Club.
那里不适合已婚女性工作 That ain't no place for a married woman to work.
伯纳德同意你回那里工作？ Bernard okay with you going back there?
我还没跟他商量过 Well, we haven't had a chance to discuss it.
如果他是男子汉就不会让你去的 If he's a real man, he won't let you.
这事由不得他说 That won't be for him to decide.
什么意思？ What does that mean?
我老公是个奇才 My husband is a genius.
等着瞧 You'll see.
我知道这房间有点小 I know this isn't much.
我没打算在这里久住 Yeah, I don't plan on us being here long.
何必对自己这么苛刻呢？ Why are you so hard on yourself?
我不希望小伯纳德在棚屋里长大 I don't want Bernard Jr. Growing up in a shed.
我也是在棚屋里长大的人 Well, I grew up in a shed.
亚伯拉罕林肯也是在棚屋里长大 Abraham Lincoln grew up in a shed.
亚伯拉罕林肯是在一间小木屋里长大 Abraham Lincoln grew up in a log cabin.
在树林里的棚屋就叫小木屋 Well, that's what they call a shed when it's in the woods.
两者之间没有分别 There's no difference.
我一定要把你和儿子带离这间棚屋 Well, I'm gonna get you and him out of this shed.
越快越好 As soon as possible.
感谢你送我过来 Thanks for the lift.
小事一桩 No problem.
抱歉 昨晚我爸对你无礼 I'm sorry my dad was such a jerk last night.
是吗？我没察觉到 Was he? I didn't notice.
嗨 这辆车不错 Hey, nice car.
谢谢 Thanks.
伯纳德 这是我的朋友马修 Bernard, this is my friend Matt.
你没说过你有个有钱的叔叔 很高兴认识你 You didn't tell me you had a rich uncle. Nice to meet you.
差远呢 我是他的表亲 Hardly rich. And I'm his cousin.
你有一辆车 我认为就是有钱 You got a car, you're rich to me.
祝你早日找到适合的房地产 Hey, good luck finding the right place.
（海滩家具供应公司）
嗨 Hey.
你表亲干哪一行的？ Hey, what's your cousin do for a living?
他有好几个房产 He owns buildings.
真的吗？ Really?
天啊 Damn.
你好 我叫伯纳德盖瑞特 Hello, my name is Bernard Garrett.
我看见你在维多利亚路的房产 我想知道要价多少 I saw your property on Victoria Road. I was wondering what the asking price...
（吉屋出售） Hello, my name is Bernard Garrett. Are you the owner of 12...
你好 我叫伯纳德盖瑞特 请问你是不是12号…
你好 我叫伯纳德盖瑞特 是个房地产投资专家 Hi, my name is Bernard Garrett. I'm a real estate investor.
那你要价多少？ What's the asking price?
这么高？ That high?
这年头租金这么低 价格这么高怎么行得通？ How can a price that high be sustainable, given the current rents...
那栋建筑物里有个单位？是不是真的… How many units are in the building and what are they really...
我看这栋建筑物需要装修一下 Looks to me the building needs a little work.
也许可以商量… Maybe we can negotiate...
知道了 我明白 感谢你的时间 Right. I understand. Thank you for your time.
（吉屋出售 咨询请进）
伯纳德 这里是白人住宅区 This is a white neighborhood, Bernard.
再过一阵就不是了 Well, it won't be white for long.
因为相隔两条街的黑人区已经人满为患 Not with the black neighborhood two blocks away bursting at the seams.
巴克联合公司要价多少？ Well, how much does Barker & Associates want for it?
我们的钱足够买下这栋建筑物 We have enough to buy it.
只是剩余的钱不足以完成装修工程 Just won't have anything left over to fix it up with.
要是我能找个合伙人呢？ What if I got us a co-investor?
（种植园俱乐部）
很好 老兄 太厉害了 All right, fellows. That was smokin'.
乔尔！ Joe!
尤妮丝！ Eunice!
你回来找我了 You came back to me.
美女 看看你 Girl, look at you.
够了 正经点 Stop it. Behave now.
亲爱的 Honey.
这是谁啊？ Who's this?
是你一直向我提起的那个叔叔吗？ That uncle you was always talking to me about?
他是我老公 Husband.
你老…什么？ Your hus... What?
等一下 Wait.
我们结婚三年了 Three years.
老兄 恭喜你 Congratulations, man.
你中头奖了 You hit the jackpot.
如果你相信婚姻的话 If you're the marrying type.
可惜我不信婚姻 要是信的话 我非尤妮丝帕金斯不娶 I'm not, but if I were, can't do no better than Eunice Perkins.
是“盖瑞特” Garrett.
很高兴认识你 盖瑞特 Pleased to meet you, Garrett.
不是 我叫伯纳德 No, I'm Bernard.
我听见他说“盖瑞特” 你们听见了吗？ I heard him say "Garrett." Didn't you hear him say "Garrett"?
听见了 That's what I heard.
我只是跟你闹着玩的 I'm just messing with you, man.
要不要喝一杯？ You want a drink?
现在才是午4点 It's 4:00 p.m.
我知道 你现在喝已经晚了 I know. You're starting late.
我叫他们准备烈酒 I'll have 'em make it strong.
杰基 给我兄弟弄一杯烈酒 Jackie, make my man here something strong.
要比一般浓三倍 A triple.
看看能不能让他“软”下来 You know, see if we can blow the stick out of his ass.
你根本没跟他提到你的想法 You did not even talk to him about your idea.
我不可能跟那个人合作 No way am I doing business with that man.
绝不跟他借钱 更不可能跟他合伙 Not for a loan. Especially not as a business partner.
他是个下流之辈 He's a damn degenerate.
伯纳德 何必呢？ Bernard, please!
我不需要他的帮助 I don't need his help.
你误会人家了 You have got the wrong idea about him.
是吗？你是这么想的吗？ Really? You think so?
看来刑警想的跟你不一样 'Cause the vice squad seems to disagree with you.
傻子 那个人是市长 Well, that's the mayor, silly.
你要不要找他谈谈？他是乔尔的朋友 Do you wanna meet him? Because he's friends with Joe.
不要 No.
如果你不想让乔尔投资 If you won't let Joe invest,
就要想办法让巴克降价 then you are gonna have to make Barker come down on his price.
要价四万美元 Asking price is 40,000.
最多能卖到三万五千美元 You won't get a penny over 35.
你打算出价三万五？ You offering 35?
我可以出三万 I can give you 30.
如果能卖三万五 我为什么要卖你三万？ Why would I take 30 if I can get 35?
那栋建筑物需要装修才能升值 Well, the building needs renovations to unlock its value.
租户都住得好好的 It's been fine for my tenants.
租户只占建筑的一半 Your tenants only occupy half the building.
一旦有了崭新的厨房和地板… But with new kitchens and refinished floors...
就算地板亮得足以看到自己的倒影 租户也不愿意多付房租 My tenants won't pay more even if they can see the reflections in those floors.
但有另一批租客愿意 But another market will.
黑人医生、律师和教师 Black doctors, lawyers, teachers
这群人都想搬出聚集区 之前住在那里都是逼不得已 looking for a place to move outside the ghettos that they've been forced into.
从来没有人考虑过这块市场 No one is going after that market.
但我办得到 But I can.
我佩服你的自信 Your confidence is impressive.
但比要价少一万美元 我认为太低了 But 10,000 less than asking is not enough.
等我把单位租出去 我可以补齐你的要价 Once I lease the units, I can give you your full asking price.
就定在… Let's say by...
（10月） June.
…6月 You want me to loan you $10,000 so you can buy my building?
你要我先借你一万美元 买下我自己的建筑物？
这不叫借贷 而是投资 It's not a loan. It's an investment.
明明就是借贷 It's a loan.
一万美元相当于 一般美国家庭平均年收入的三倍 For more than three times what the average American family make in a year.
- 是2.4倍才对 - 什么？ - Two point four times. - What?
1953年 美国人的平均年收入是4233美元 The average American income in 1953 was $4,233.
十万美元是平均年收入的2.4倍 Ten thousand is 2.4 times the average income.
我欣赏你对创业的热忱 Well, I admire your entrepreneurial gusto,
只是这不符合我做生意的规矩 but it's not the way I do business.
不好意思 I'm sorry.
（爱德华里德 中市银行代表谨赠）
巴克先生 感谢你抽空见我 Thank you for your time, Mr. Barker.
（中市银行） Look what just walked in.
看看谁走进来了 Mighty fancy for a colored fella.
一个西装笔挺的黑人
走着瞧 We'll see.
你好 我叫伯纳德盖瑞特 我想找里德先生 Hi. I'm Bernard Garrett. I'd like to speak with Mr. Reed, please.
抱歉 里德先生出去了 要我帮你传达消息吗？ I'm sorry, Mr. Reed is out. May I take a message?
（爱德华里德） I have pretty good eyesight and I can clearly read the nameplate on his desk.
我的眼力不错 可以看清他桌上的名牌
抱歉 是我说错了 I'm sorry. I misspoke.
里德先生没空见你 Mr. Reed can't meet with you right now.
但我可以帮你留言 But I could take a message.
不必了 不用留言 No. There's no message.
谢谢你 Thank you.
（加州 洛杉矶 南希尔路629号）
里德先生 Mr. Reed.
我们认识吗？ Do I know you?
不 但你认识巴克先生 No. But you know Mr. Barker.
我想要贷款买下他的一栋建筑物 I'd like a loan to buy one of his buildings.
你要进去预约才行 Yeah, you can make an appointment inside, please.
你我都知道我是不会预约成功的 Well, you and I both know I'm not getting an appointment inside.
这笔交易对巴克先生有利无弊 Now, this deal will benefit Mr. Barker.
请你听一听 You should hear me out.
一定会给你叔叔笑话 Your uncle gonna get a good laugh out of this one.
继续找吧 你一定会找到另一栋适合的建筑物 Keep looking. You're gonna find yourself another building.
是啊 Yeah.
小瓜 起来吧 该睡觉了 Come on. Time for bed, little man.
什么事？ Yes?
伯纳德 有人打来找你 Bernard, there's a phone call for you.
- 喂？ - 盖瑞特先生 我是帕特里克巴克 - Hello? - Mr. Garrett. This is Patrick Barker.
你是不是利用我的名义 去跟中市银行的里德先生贷款？ Did you use my name to try and get a loan from Mr. Reed at Mid City Bank?
如果这是你的说法 Well, in a manner of speaking...
没错 yes.
你认为这么做符合行规吗？ And do you think that follows normal business customs?
如果要讲究行规 If I was following normal business customs,
那我到现在还在德州当擦鞋童 I'd still be a shoeshine boy in Texas, sir.
盖瑞特先生 我不想知道你的履历 I didn't ask for your biography, Mr. Garrett.
我问你 你认为这么做符合行规吗？ I asked if you thought it followed normal business customs.
- 不符 - 很好 - No. - Good.
至少在这方面我们想法一致 Well, at least we can agree on that.
里德明早要你到银行去签贷款合同 Reed wants to see you at the bank in the morning to sign off on that loan.
你说什么？ Excuse me?
我跟他说了 由我作保 I told him I'd act as guarantor.
你还在听吗？ You still there?
巴克 你为什么这么做？ Why are you doing this, Mr. Barker?
因为行规是用来 Because normal business customs
搞垮你们这种人的 盖瑞特先生 are in place to screw people like you, Mr. Garrett.
你明知道自己处于压倒性的劣势 依然坚持去找里德 You went to see Reed knowing the deck was stacked
说明你对这笔交易信心十足 because you have that much confidence in this deal.
就这点就足以让我了解你了 That tells me all I need to know about you.
你还要不要这笔贷款？ Well, do you want this loan or not?
要 Yes.
宝贝 有时候你需要退一步 享受自己的成就 Sometimes you need to take a step back and enjoy what you've accomplished, baby.
要不要抽一根雪茄？ You like cigars?
我不抽烟 I don't smoke.
我不会跟你老婆上床的 I'm not fucking your wife.
你打算向每一桌客人发誓 不跟我老婆上床吗？ You go to every table in here to reassure your patrons of that?
不会 我会跳过好几桌 No. Might have to skip some of them.
老兄 放轻松 Come on, man. Lighten up.
我不是你想的那种人渣 I'm not the asshole you think I am.
那你是另一种人渣了？ You a different kind of asshole, huh?
对啊 有人这么说过 I've been told that, yeah.
走吧 我们到外面说话 Come on. Let's go outside and talk.
你到底想从我这边图什么？ What do you want from me, man?
你是指除了你老婆之外？ You mean aside from your wife?
你听我说 我喜欢看到黑人成功 Look, I like seeing black men succeed.
有时我甚至会用一部分自己的钱资助他们 Sometimes I even invest some of my own money to back them.
但你根本不了解我 But you don't even know me.
我知道你既聪明又有野心 I know you're smart and ambitious.
你我都知道那是不够的 You and I both know that's not enough.
也是个充满愤怒的人 You're also angry.
只是没表现出来 But you don't show it.
这种愤怒再好不过了 That's the best kind of anger.
激励自己之余 也免于成为被攻击的靶子 Fuels you without making you a target.
我没有愤怒的问题 I'm not angry.
是啊 Yeah, all right.
你的眼镜不错 Nice glasses.
你是近视还是远视？ You near-sighted or far-sighted?
重要吗？ Does it matter?
我只是在想象你不戴眼镜的样子 Just wondering what you'd look like without 'em.
你信得过巴克那个家伙？ So, you trust this Barker?
他没必要帮我的 He didn't have to help me.
你若无法完成装修 或单位出租不够快怎么办？ What if you can't finish the work or rent the units fast enough?
我一定能及时做好 I'll make the date.
你瞧 这就是愤怒的表现 See? Anger.
我要再去喝一杯 I'm gonna get another drink.
我没有愤怒的问题 I'm not angry.
明明就有 Yes, you are.
你们在干什么？ What are you doing here?
这位女士 我是伯纳德盖瑞特 Ma'am, I'm Bernard Garrett.
我们在装修空置的公寓单位 Just doing some renovations on the empty apartments.
你们什么时间工作？ What hours do you work?
按照市政府规定 施工时间必须介于早上8点到傍晚6点之间 Well, the city say all construction has to be done between 8:00 a.m. and 6:00 p.m.
- 如果你需要装修… - 我不需要 - So, if you need any improvements... - I don't need improvements.
麻烦你告诉这栋公寓的爱尔兰籍老板 And you can tell that mick that owns this place,
如果他想抬高租金 休想打我的主意 when he goes jacking the rent, he ain't jacking mine.
知道了 Yes, ma'am.
巴克先生把这栋建筑物卖给我时 把你的租金交代得很清楚 Mr. Barker was very clear about your lease when he sold me the building.
小子 别跟我闹着玩了 Don't you sass me, boy.
这是属于白人的建筑物 This is a white building.
你不能拥有这个地方 You can't own this place.
你拿刮刀到那边去弄 好吗？ Hey, why don't you grab that scraper and start on the other end?
好 All right.
- 嗨 老兄 - 嗨 - Hey, man. - Hey.
很高兴你愿意过来 Hey, thanks for coming.
没问题 Of course.
好吗？ How's it going?
我可以付你每小时1.5美元 I can offer you a buck, 50 an hour.
太好了 That's great.
你不介意替我打工吗？ And you're fine with working for me?
我这辈子都在替别人打工 I've been working for other men my whole life.
但你真的不介意替我打工 是吗？ Right. But are you okay with working for me?
我只在乎你给的钞票是不是绿色的 其他一概不重要 Well, your money is green. That's the only concern about color I got.
我也想看你怎么创业 And I like the idea of watching you build a business.
希望有朝一日 自己还能再创业 It's something I'd like to do again myself one day.
“再创业”？ "Again"?
对啊 我几年前试过创业 Yeah, I tried something a few years back.
开了一家免下车冰淇淋店 It was a drive-in ice cream shop.
结果发现人们不喜欢边吃冰淇淋边开车 Well, it turns out people don't wanna eat ice cream while driving their cars.
- 不会吧？ - 真的 - You serious? - Yeah.
- 开工了 - 好啊 - Let's get to work. - Yeah.
…衔接这个部位 就像这样 Connect it here. Like this.
应该可以了 Should be good.
退后 Step back.
放在那边 Right there.
我们要把后面到前面的栏杆刮干净 We want to scrape these railings up to the front
然后上漆 接着刷上灰泥 and paint our way back and then go back with the stucco.
从上面开始向下刷 Go from the top. Let's work our way down.
- 伯纳德盖瑞特 - 然后… - Bernard Garrett. - Then let's...
警官 有什么事吗？ Yes, Officer. Is there a problem?
有人向我们投诉你 We received a complaint about you.
住在2A单位的库伯女士 不喜欢你装修这栋建筑物 Ms. Cooper in Apartment 2A does not like you working in the building.
为什么？ Why not?
她说你冒充建筑物的主人 She said you were impersonating the owner of the building.
- 他确实是这栋建筑物的主人 - 我没在跟你说话 - No, he owns the building. - I'm not talking to you.
警官 我确实是这栋建筑物的主人 I do own the building, Officer.
所有文件都在市中心的办公室 All the paperwork is filed downtown.
不过我身上有一张副本 以防不时之需 But I keep a copy with me, just to be safe.
看来是真的 This actually looks real.
我想是吧 Yeah, I guess so.
请对租户放尊重点 Try to be more respectful to your tenants.
是 警官 Yes, sir, Officer.
不好意思 劳驾你们了 Sorry for the inconvenience.
6点过后不准进来 You can't be here after 6:00 p.m.
库伯太太 只有工人不能在6点过后进来 A contractor can't be here after 6:00 p.m., Ms. Cooper.
我是住户 I'm a resident.
我搬过来住了 I'm moving in.
（WD和儿子搬运仓储） I hope your mother enjoys her new place.
希望你母亲喜欢她的新家
她一定会喜欢 I'm sure she will.
- 你是盖瑞特太太吗？ - 没错 - Mrs. Garrett? - Yes.
我是安妮塔杰弗森 之前跟你提过 我想租个公寓单位 Anita Jefferson. We spoke about leasing one of your apartments?
没问题 很高兴见到你 Yes, of course. It's nice to meet you.
所有单位都租出去了 Fully leased.
真不可思议 Impressive.
我看中了这里向东两条街的一栋建筑物 I have my eye on a place two blocks east of here.
你感兴趣吗？ You interested?
你是指合伙吗？ You mean a partnership?
对 五五分账 Yeah. 50-50.
但我有个条件 But on one condition.
伯纳德 Bernard...
我跟人交易 I do business with people
经常碰到一些条件谈妥后 就翻脸不认账的人 who turn away from me after we shake on the deal
他们认为我是个狡猾的爱尔兰人 and wash their hands because I'm a dirty Irishman.
但他们愿意找我做生意 是因为我能替他们赚钱 But they do business with me because I make them money.
你能看出一栋建筑物的隐形价值 Now, you have the knack of knowing the untapped value of a building.
我希望我们能一起做电话行销 You'll work the phones with me.
跟投资者洽谈 Work the investors.
但到了签约那一刻就由我出面 But when we need a face to sign the deal, that'll be me.
我们会赚钱的 And we'll make money.
会赚很多钱 A lot of it.
五五分账？ Fifty-fifty?
五五分账 Fifty-fifty.
（吉屋出售）
没错 就是这里 This is it. Right here.
搞定 There you go.
请签名 Your signature.
你好？没错 Hello? Yeah.
对 Right.
我打来询问房子的事 I was calling about the house...
（吉屋出售）
（吉屋出租 巴克联合公司）
（吉屋出售）
（房地产买卖合同 买家：帕特里克巴克）
试试把沙发摆在这边 Let's try the sofa over here.
把灯放在这个角落 Lamp. Right here in the corner.
完美 简直完美 It's perfect. Perfect. Perfect.
太好看了 That looks great.
宝贝 你怎么看？好看吧？ What do you think, baby? It's nice, right?
车子好像出了点问题 Well. I think there's something going on with the car.
你要不要过去看看？ You wanna go check on it?
好 Right.
好了 赶紧把桌子搬去那边 然后把沙发放在中间 Okay, let's move the table there, slide the couch in,
再把灯摆在另一边 and put the lamp on the other side.
等他回来后 千万不要让他移动任何家具 知道吗？ And don't you dare let him move anything when he gets back. Okay?
- 是 夫人 - 是 夫人 - Yes, ma'am. - Yes, ma'am.
我和巴克打算扩大业务 投资独立屋 Barker and I have been thinking about diversifying in single family homes.
所以… So...
我要你进去 然后告诉我这间房子缺了什么 want you to go in, tell me what you think this house needs.
伯纳德 Bernard.
这间房子太美了 This place is beautiful.
是吗？ You think?
- 对啊 - 缺了什么？ - Yes. - Does it need anything?
家具 Furniture.
你是指我装修得不错 是吗？ So I did a good job?
那要看卖价多少了 不是吗？ Well, it depends on the price, doesn't it?
宝贝 这次不卖 Not this time, baby.
拿去吧 我已经有一串了 Go on. Take it. I already got a set.
你是认真的吗？ Are you serious?
这么迟了还不起床 You really sleeping in late.
亲爱的 该起床了 Time to get up, dear.
巴克太太有意买下 Mrs. Barker would like to offer a buyout
巴克和盖瑞特所有房产中你的全部股权 for your interest in all the Barker/Garrett properties.
我没必要出售这些房地产 I have no reason to sell.
我不介意单独经营这些建筑物 I'm happy running the buildings on my own.
我不同意 That's unacceptable.
我不想跟… I don't wanna be in business with...
我不想继续这个合伙关系 I prefer not to continue the arrangement.
出价多少？ What's the offer?
这太不合理了 This is outrageous.
50%的房地产持有权属于我 I own 50% of a dozen properties.
你要我以远低于成本的价格出让？ You want me to give it up for pennies on the dollar?
我根本没必要付你半分钱 I don't have to pay you anything.
所有买卖合同上都没有你的名字 Your name doesn't appear on any of the deeds.
是不能有 Well, it couldn't.
我们谈妥了 We had an agreement.
我们都知道你丈夫的意图是什么 And we all know what your husband's intentions were.
我愿意在每1美元的成本上增加25美分 I will up my offer to 25 cents on the dollar.
盖瑞特先生 如果你拒绝的话 And if you see fit to refuse that, Mr. Garrett,
就别想带走半分钱 you can walk away with nothing
除非你想和我对簿公堂 unless you wanna face me in a court of law.
到时我会另聘律师 With a different lawyer.
一定有办法能证明巴克先生的意图 There has to be a way to prove Mr. Barker's intentions.
前提是你必须找到一个证人 Well, if you could find a witness, yes.
只是… But...
证人不能是我 it can't be me.
不然我会被取消执业资格 I could get disbarred for that.
中市银行的里德先生… Mr. Reed at Mid City...
他已经是巴克太太的金融顾问了 He's her banker now, Bernard.
他不会为了帮你而介入这件事的 He's not going to intervene for you.
我要见里德先生 I need to see Mr. Reed.
盖瑞特先生 不好意思 I'm sorry, Mr. Garrett.
要见里德先生必须事先预约才行 Mr. Reed can't see anybody without an appointment.
这是急事 This is urgent.
稍等一下 Hold on a moment.
（洛杉矶清算银行协会）
（美国银行家协会 中市银行）
（美国银行行政办公室）
（C凯利投资公司 普雷特斯金融公司）
我不知道你对商用房地产市场了解多少 I don't know how familiar you are with the commercial real estate market.
尤妮丝跟我说你有两、三栋投资型建筑物 Eunice told me you had two or three income-producing buildings?
是17栋才对 Seventeen.
只是一旦收购了第一次 But once you've popped your cherry,
从新收购的房产中还能学到些什么呢？ I mean, how much more can you learn on each new one?
17栋？ Seventeen?
把俱乐部算在内是18栋 Eighteen, if you count the club.
我妈生前是个房地产经纪人 My mother was a real estate agent.
你知道这栋建筑物吗？ You know this building?
当然了 里面尽是金融公司的总部 Sure. Bunch of bankers headquarters in there.
也是洛杉矶市中心最高的商用大楼 Tallest commercial building in downtown Los Angeles.
我想要买下它 I wanna buy it.
我们合力买下它 I want us to buy it.
这可是栋很大的楼 座落在市区最贵的一块土地上 That's a mighty big building to buy on the most expensive land in the city.
我知道 I know.
我们需要一大笔贷款 We'd need a substantial loan.
你不可能用现款 直接买下那18个房地产吧？ You don't own all 18 of those properties outright, do you?
我在旧金山有个合作好几年的银行家 I got a banker in San Francisco I've done business with for years.
要不要喝一杯？ Drink?
不必了 谢谢 我不喝酒 No, thank you. I don't drink.
你知道洛杉矶市中心 没有一栋大楼为黑人所有 You know there's not a single black-owned building in downtown Los Angeles.
这肯定有个原因 There's a reason for that.
没错 我们可能要多花很多钱才能买下来 Yeah. We're probably gonna have to overpay to get it.
说点我不知道的事 Tell me something I don't know.
这一刻 Now...
我要你说服我 convince me.
听好了 Well...
要了解房地产市场的最新状况 最好的地方 the best place to learn about the present state of the real estate market
就是银行内部 is inside of a bank.
买下那栋大楼 等于直接渗透12家银行 We get that building, we'll be inside 12 of them.
下次如果银行要拒绝我们的贷款申请 就得三思了 And next time they'll think twice about refusing to make loans to us
毕竟我们是它们的地主 if we're their landlords.
盖瑞特先生 这是个很大胆的想法 That's very audacious, Mr. Garrett.
我倒认为这纯粹是逻辑使然 I think of it in purely logical terms.
可惜了 What a shame.
你说什么？ Excuse me?
战胜白人银行家的成就感呢？ What about the thrill of taking it to the man?
尤其是在他们自己的地盘上 对吗？ In his own castle, no less?
难道不是吗？ No?
算了 Never mind.
只看逻辑方面的话 我对你这项计划有个隐忧 But on purely logical terms, I have a concern about your plan.
什么隐忧？ What's that?
我们从这些银行家身上得到的消息 All this information we'll be getting from hanging around all these bankers
都是关于白人社区的 is gonna be about property in white neighborhoods.
你打算开始在 只有白人居住的地区收购房产？ Do you plan on starting to buy real estate in white-only neighborhoods, Mr. Garrett?
我们就是要那么做 That's exactly what we're gonna do.
那种事你到底打算怎么做呢？ And just how in the hell do you plan on pulling that off?
跟我们买下银行大楼的策略一样 The same way we're gonna buy the Bankers Building.
你们想让我干什么？ You want me to what?
代表我们去面对全世界 Be us to the rest of the world.
我对银行业毫无头绪 我不知道怎么买下一家银行 I don't know anything about banking. I don't know how to buy a bank.
我们不是要买下一家银行 We're not actually buying a bank.
而是要买下一栋大楼 里面好几家银行 We're buying a building that the banks are in.
这些银行是租户 The banks are tenants.
我懂了 Right.
你只需要为我们的合伙公司出面洽谈 You'd just be the face of our partnership.
你们觉得我合格吗？ You think I'm, you know, qualified for this?
我们会把需要的知识全部教给你 We'll teach you everything you need to know.
就那个家伙？不会吧？ That guy? Seriously?
他只需要学习一下 He just has to digest it.
然后呢？ So, what?
看他在会议室里吓呆吗？ He can freeze up soon as we send him in the room?
他不会吓呆的 He won't freeze up.
相信我 他是正确的人选 Trust me. He's the right guy.
我用100美元赌你1美元 他搞不定 I'll lay you a hundred dollars to your one he can't go the distance.
你不认识其他愿意领薪 Don't you know any other white people
代表我们出面的白人了吗？ who'd like to get paid to be our front man?
我信不过他们 你信得过？ Not that I trust. Do you?
我信不过白人 I don't trust white people.
那你是怎么生活的？ How do you even go through life like that?
老实说 我也信不过黑人 Truth be told, I don't trust black people either.
你到底在瞎说什么呢？ What are you even saying?
听好 我跟很多白人有生意来往 Look. I do plenty of business with white folks.
我们关系要好 I'm friendly with them.
有几个是我的好朋友 Good friends with some.
我想说的是 无论如何 I'm just saying that no matter what,
这种关系中总是没那么单纯 there's always something extra going on in the relationship.
现实就是如此 It's just the way shit is.
只要接受了 When you accept that,
一旦出了状况 你也不会感到惊讶 you can't get caught off guard when it rears its ugly head.
我可不能带着这种想法生活 I can't live my life like that.
你瞧 这就是我喜欢你的原因 See, that's what I like about you.
你是个好人 You are a good person.
还没被这个世界污染 Ain't been corrupted by the world yet.
像个孩子 Like a child.
等你有钱了 情况就不同了 But that's gonna change when you get rich.
我愿意冒这个险 Yeah, I'll take that risk.
你也没有选择 You ain't gonna have no choice.
谢谢 Thanks.
嗨 Hi.
你是马修斯坦纳吧？ You're Matt Steiner, right?
（苏茜）
好莱坞高中的校友？ Hollywood High?
- 对 - 难怪了 - Yes. - Right.
你比我大几年 以前你可风云人物 You were a few years ahead of me, but everybody knew who you were.
怎么愁眉苦脸的？ What are you all sour-faced about?
我在想一些事 I was just thinking.
什么事？ About?
一份新工作 A new job.
做什么？ Doing what?
房地产 Real estate.
你是指经纪人？ Like a broker?
比较像是加入投资吧 You know, more like an investor.
我会跟投资方合作 Well, I'd be working with the investors.
跟他们密切合作 Hand in hand.
他们聘用你吗？ So, they're hiring you?
比较像是合伙吧 Kind of a partnership.
合伙 A partnership.
- 你叫苏茜 - 对 - Susie. - Yeah, yeah.
- 很高兴见到你 - 我也是 - It's good to see you. - You too.
我决定加入 I'm in.
你确定吗？ You sure?
把我该学会的都教我吧 我一定不会令你们失望 Just teach me what I need to know. I won't let you down.
明早6点 牧场公园高尔夫球场见 Be at Rancho Park Golf Course tomorrow morning, 6:00 a.m.
不要迟到 Don't be late.
谢谢 Thank you.
谢谢 Thanks.
他到底来不来？ What? Is he even coming?
伙伴们 早上好 Morning, fellows.
不是说好早上6点吗？ I thought you said 6:00?
- 对啊 你早上6点就到了吗？ - 对啊 - I did. Were you here at 6:00? - Yeah.
很好 Good.
打过高尔夫球吗？ You ever play golf?
不曾 No.
在开始学习和房地产商交谈前 Well, before you learn how to talk real estate,
你必须学会与富有的白人交谈 you gotta learn how to talk to rich white folks
就像你是其中一员 so it seems like you one of 'em.
你只有一个月学会怎么打高尔夫球 And you got one month to learn how to play golf.
而且要学到像你从小打到大的程度 And I mean learn to play like you've been playing your whole life.
你做得到吗？ Think you can do that?
没问题 我从小就热爱运动 Yeah. I played a lot of sports as a kid. So...
你是说你办得到了？ So... yes?
- 对 - 那就好 - Yes. - All right, then.
带他下去换件衣服 Take him over and get him outfitted.
你来教他基本功 其他的让我来 Show him the basics and I'll take over from there.
跟我来 Follow me.
100美元赌我1美元 是吗？ So a hundred dollars to my one?
就因为我是个出色的高尔夫球教练 你就以为赢定了？ You think it's a done deal because, what, I'm such a good golf teacher?
数学考试可以作弊 高尔夫的技术可做不了假 You can fake math. You can't fake a golf game.
乔尔 他说得对 He's right about that, Joe.
伯纳德 这位是唐西维松 他就是我的银行家 Bernard, this is Don Silverthorne. My banker.
特地从旧金山搭飞机过来 Flew all the way down from San Francisco
看我们有多么疯狂 just to see how crazy we are.
很高兴认识你 Nice to meet you.
该死的！ Shit!
看来我已经有答案了 Well, it looks like I got my answer.
再试试看 Let's try that again.
我能怎么做？ All right. What do I do differently?
挥低一点 Swing lower.
- 好 谢谢 - 头不要动 - Great, thanks. - Keep your head still.
头不要动… Head still, head still...
不行 你动了 No, you moved.
要是这场戏演活了 你们决定向我贷款 If this charade's gonna work and you guys want me to finance,
希望买楼出价不会超过两百万美元 I just hope you don't offer over two million for that building.
再高我就不想冒这个险了 More than that, I don't want the risk.
我能以两百万以下的价格买下那栋大楼 I can get that building for under two million.
盖瑞特先生 我担心的不是你 It's not you I'm worried about, Mr. Garrett.
我打到了 I hit it.
是他 It's him.
你确定不马上给我1美元？ You sure you don't wanna give me that dollar now?
以前人们为建筑物估值 The old way of valuing a building
是看租金多少年可以付清 购买该建筑的全款 is the number of years rent it takes to pay off the price of a building.
假如一栋大楼值三十万美元 So, if the building costs $300,000
每年净收为三万美元 收益乘数就是十 and you're getting $30,000 net income per year, it's a ten multiple.
今天多数人已经以收益率为建筑物估值了 Today most people value buildings using the capitalization rate.
两种方法之间是有数学联系的 But they're mathematically related.
所以收益率就是收益乘数十的倒数 So the cap rate is the multiplicative inverse
这点我们刚才提过了 of the ten multiple we were just talking about.
三十万等于三万乘以“M” 300,000 = 30,000 x M.
“M”等于十年 M = ten years.
十分之一乘以三十万 等于三万 One-tenth x 300,000 = 30,000.
十分之一就是指10% One-tenth is 10%.
也就是收益率 Your cap rate.
不如我们先复习一下数学吧 Maybe we should start with a math review.
好主意 That'd be great.
- 对吗？ - 你要把“4”带下去 - Right? - You have to carry the four.
哪个“4”？ Which four?
推杆用力要均匀 低头 Even on a putt, keep your f-ing head down.
低头 不要… Keep my f-ing head down. Keep...
减法出错 最后一个步骤也不对 There's a subtraction error in there and that last step is wrong.
虽然出错 但你也开始抓到诀窍了 But other than that you're getting the gist of it.
对不起 Sorry.
对不起！ Sorry!
对 Right.
乘以1.25 Now multiply by 1.25.
1.25… 1.25...
不…停下… No. No, no, no. Stop! Stop!
不… No, no, no.
别笑了 Stop laughing.
搞什么？ What the hell?
打啊 Hit it.
我在打了！ I am hitting it!
小心 别弄伤自己 Careful now. Don't hurt yourself.
停下来 别打了 Stop. Just stop.
距离果岭有45米左右 要用上挖起杆了 We're about 50 yards from the green, so we're gonna use a wedge.
你的挥杆力道大概要这么强 And you wanna swing it 'bout this hard.
记住 这是挖起杆 挥杆时要大胆 Remember, it's a wedge, so don't be scared to swing it.
还有什么步骤？ What else you gonna do?
低头 Keep my f-ing head down.
天啊 真是的 Jesus. Come on.
在那边 It's right...
天啊 Holy shit. Oh, my...
好样的 Come on.
我低头 然后就… I just kept my f-ing head down and...
总共是四十三万两千美元 It's 432,000.
没错 正确 Yeah. Yeah, that's right.
你答对了 你进步了 You got it right, man. You're getting this.
伯纳德 你想怎样？ What you want, Bernard?
这是我的私人时间 This is my time.
我要买下一栋建筑物 I wanna buy a building.
全年总收入十万美元 空置率只有8% It has a $100,000 annual gross income, 8% vacancy rate,
每年营运成本一万两千美元 我要得到10%收益率 $12,000 annual operating costs and I require a 10% cap rate.
那我出价最高是多少？ What's the maximum purchase amount I can offer?
球去了哪？ Where'd that go?
球飞过中间 大概… Straight down the middle, 'bout...
天啊 我根本不知道 我不曾把球打得那么远 Shit, I don't even know. I ain't never hit a ball that far.
八十万美元 It's 800,000.
- 他说得对 - 没错 - He's right. - You're right.
- 是吗？ - 对 - He's right? - Yeah.
真是青出于蓝啊 We have created a monster.
是你将代数简化了 You made the algebra easy.
马修 一个月前 你连代数是什么也不知道呢 A month ago, you didn't know what algebra was, Matt.
- 也对 - 说明你有天分 - That's true. - You have a knack for it.
他准备好了 He's ready.
对 他准备好了 Yep. He's ready.
银行大楼为查尔斯雷诺所有 The Bankers Building is owned by Charles Renault.
总共14层 It's 14 stories.
商用空间约一万一千平方米 119,000 square feet of commercial space.
建于1929年 It was built in 1929.
至今依然是市中心最高的商用建筑物 And it's still the tallest commercial building downtown
被誉为城市建筑中的佼佼者 and generally considered the crown jewel of downtown architecture.
那是他的办公室？ That's his office?
那就是他的办公室 That's his office.
由舞厅改造而成 A converted ballroom.
天啊 这个人到底有多有钱？ Holy shit. How rich is this guy?
非常有钱 Very.
未经适合的介绍 他是不会把你放在眼里的 Now, he won't take you seriously without a proper introduction.
不过我已经为你们安排了 在汉考克公园乡村俱乐部巧遇的机会 But I have arranged for you to bump into him at the Hancock Park country club.
那是市区内最高级的俱乐部 Wait, that's the most exclusive club in the city.
我总不能贸然走进去吧 I can't just walk in.
放心吧 Don't worry about that.
斯坦纳先生 欢迎光临 Mr. Steiner, welcome.
谢谢 Thank you.
我已经安排妥当了 您将以宾客身份使用本俱乐部 Arrangements have been made for you to use our club as a guest,
因为我们跟您老家宾夕法尼亚的俱乐部 有会员交流计划 per our exchange program with your home club in Pennsylvania.
你的司机打算在会所中等候吗？ Will your chauffeur be waiting on the premises?
我会在大门外等候 I'll be just outside the gate.
万一出状况 马上来找我 Anything goes south, you come find me.
莫瑞斯先生 不会有事的 That won't happen, Mr. Morris.
我保证 I promise.
谢谢你 安东 Thank you, Anton.
- 我很担心 - 担心什么？ - I'm worried. - About what?
每次在压力下我都表现得不好 I don't always do great under pressure.
得了吧 你天生是个人才 Come on. You're a natural.
- 哪方面的人才？ - 演艺 - Natural what? - Performer.
你怎么知道？ How do you know that?
如果我不懂得慧眼识人 能走到这一步吗？ You think I got where I am in life without being able to spot talent?
去说服他 Go get him.
是 Yes, sir.
斯坦纳先生？ Mr. Steiner?
怎么了？ Yes?
杰基说你一个人打球 在找人组队 Jackie says you're playing as a single, looking to be paired up.
我无时无刻都想打一场好球 Always looking for a good game.
希望能找到一个志同道合的人 If I can find someone to give me one.
查尔斯雷诺 很高兴认识你 Charles Renault, good to meet you.
变装游戏玩得不亦乐乎啊 Enjoying playing dress-up?
你应该试试 超好玩的 You should try it sometime. It's thrilling.
不用了 谢谢 No, thanks.
你不介意让个白人为你谈生意 So, you're okay with having a white boy do your business for you,
却介意戴上帽子 but you're not okay putting on a cap
监视他的一举一动？ so you can keep an eye on him while he does it?
我拼搏一生 就是因为不想当司机 It's the only job I've been able to avoid my entire life.
我希望能保持下去 I'd like to try and keep it that way.
吉米 看来我们遇到对手了 Jimmy, I think we got ourselves a game.
好 Okay.
我们真的要去谈判？ So, we're really gonna do this now?
如果你所谓的“我们”是指“你” 没错 If by "we," you mean "you," yeah.
记住了 Remember,
不要分心 eyes on the ball.
要低头 And keep my f-ing head down.
小子 不要令我失望 Make me proud, son.
他一定会宣称 那栋大楼的租金是每平方米2.15美金 He's gonna claim he's renting for 20 cents a square foot,
但那是笑话 but that's poppycock.
1.6美元还差不多 It's more like 15.
他的主要目的是 说服你同意更高的基础估值 See, this whole thing is about getting you to agree to a higher base value.
我当然不会答应 Which I won't do.
他一定会试探你、考验你 He's gonna test you. Probe you.
要是你对数字的理解稍有偏差 You give him the slightest reason to doubt your command of the numbers,
他就会看穿你的底细 he'll see straight through you.
因此你要让他记住你 So you gotta impress him.
就像你在第一发球台那样 Like you did on the first tee.
那我要怎么做？ Okay, so what do I do?
在谈判中 有什么是相当于一杆开球300码的？ What's the equivalent of a 300-yard tee shot in negotiation?
一顿四道菜的午餐 A four-course lunch.
每周从法国空运过来一次 Flown in from France once a week.
请享用 Enjoy.
我们的租金是每平方米2.15美金 Okay, we lease at 20 cents a square foot.
每年毛利是272880美元 That's 272,880 gross per year.
营运成本为八万美元 Eighty thousand expenses.
所以利润是192880美元 That's 192,880 in profit.
收益率是10% 应该值1928880美元 10% cap rate on that will get us to 1,928,880.
加上25%溢价 总共是2411100美元 25% premium on that would be 2,411,100.
如果这是你要开出的价码 我就感兴趣 If that's what you're offering, I'm interested.
查尔斯 我有一个疑问 Here's my problem, Charles.
我知道你某些单位 是以每平方米1.6美元出租 I know you have leases at 15 cents a square foot.
这些都是长期租户 You know, big long-term leases.
就算有几个傻瓜付2.15美金… So even if you have a few suckers paying 20 cents...
何止几个 More than a few.
好吧 就算平均1.9美金吧 Fine, call the average 18 cents,
那净收就是… so that would be a net income of...
245592美元 但那不是重点 245,592. But that's not important.
除非你向我出示所有租约 证明给我看 那我没话说 I mean, if you wanna show me your leases and prove it, okay.
不然我坚持以每平方米1.6美元为准 Otherwise, I'd call it 15 cents a square foot.
- 1.6美元太低了 - 1.6美元算多了 - Fifteen is too low. - Fifteen is generous.
尤其要考虑这栋大楼的空置率至少9% Especially when you factor in vacancies, which are at least 9%.
- 少于9% - 我算过了 是12% - Less than that. - I counted 12.
你怎么可能算得出来？ How could you possibly know that?
查尔斯 现在是11月了 Charles, it's November.
5点过后就开始天黑 It gets dark by 5:00 p.m.
如果你想虚报空置率 If you wanna bullshit someone about your vacancy rate,
下午4点半过后 就要打开空置单位的灯 you need lights shining in all those unleased spaces by 4:30.
你做不到我不怪你 毕竟非常耗力 I don't blame you for not doing it. It's a lot of work.
按照这种空置率来看 每平方米只值1.5美元 But those vacancies would take you to 13.5 cents a square foot.
我们会找到租户的 We'll fill some of those.
就以1.7美元为准吧 合不合理？ Let's call it 16 cents. Fair?
估价是一百三十万三千美元 收益率为10% That's a $1,383,000 valuation at a 10% cap rate.
但以这个市道看来 10%的收益率太低了 But, of course a 10% cap rate is too low for this market.
我和合作伙伴有许多项目的收益率是12% My partners and I have multiple deals with 12% returns,
这么说来 which would be...
基础估值是1152533美元 $1,152,533 underlying valuation.
1152533美元 1,152,533.
你是怎么用脑袋算出来的？ How do you do this in your head?
这些数字我不可能算得出来 There's no way I can do this math.
不过我可以假装算出来 Well, you know, maybe I could fake it?
怎么装？ How?
勤加练习 Practice.
死背就对了 I'll just memorize it.
所有数字？ All of it?
对啊 我的记性很好 Yeah, I got a pretty good memory.
有那么好？ That good?
我有一个星期学习 不是吗？ Well, I got a week to learn it, right?
这叫青出于蓝 Hustling a hustler.
我喜欢 I love it.
要是行得通 But, if this works,
雷诺会咬住收益率不放 Renault's gonna challenge you on the cap rate.
你要做好准备 So you need to get ready for it.
这里是市中心 风险很低 Look, this is downtown. The risk here is very low.
不能保证12%的收益率 It doesn't warrant a 12% return.
我坚持收益率是10% I'm firm with a 10% cap rate.
他一定会坚持以10%收益率做基础估值 He's gonna try to hold you to a 10% cap rate on the underlying value,
我们是不会答应的 which we're not gonna take.
尤其是在他赚取25%溢价的前提下 Not with a 25% premium going to him.
但你不能把话说死了 But you're gonna need somewhere to go in the conversation.
因此我也要你背下 收益率10.5%的各种数字 So I want you to memorize the 10.5% cap rate scenario as well.
但在收益率10.5%的前提下 25%的溢价也太高了 是吧？ But a 25% premium on a 10.5% cap rate is too high, right?
收益率10.5% 意味着基础估值是1317000美元 10.5% cap rate means $1,317,000 underlying.
加上25%的溢价 等于1646250美元 With the 25% premium, that's $1,646,250.
太高了 Too high.
对啊 听起来太高了 Yeah, that sounds too high.
没错 太高了 You goddamn right it's too high.
这时你可以给他选择 So maybe you can sell him a choice.
雷诺先生 我欣赏你 Mr. Renault, I like you.
自从我搬来这里以后 跟你打球最过瘾了 First halfway decent golf game I've had since I've moved here.
现今市道繁荣 你却把这栋大楼的收益率定在10% But if you want us to value this building at a 10% cap rate in a booming market,
而我们可以在其他地方取得12% where we can get 12% elsewhere,
所以我们不能同意给你25%的溢价 we're not gonna give you an instant 25% profit in the markup.
不如这样吧 Tell you what.
我给你两个选择 I'll give you two options.
第一 我们取得11%的收益率 你赚取25%的溢价 We get an 11% capital return rate and you get your 25% profit in the markup,
或是我们取得10.5%的收益率 但你只能赚取18%的溢价 or we get a 10.5% cap rate and you take an 18% instead of a 25% markup.
你可以二选一 但是… You can choose. But...
他帮不了你 he can't help you.
马修斯坦纳先生 你令我刮目相看 You're not what I expected, Matt Steiner.
我选第二个选项 I'll take the latter.
很好 Okay.
这样如何？ How'd I do?
你已经给我一万七千美元了 You left 17,000 on the table.
这… Oh, well.
- 多少？ - 1554060美元 - What's the number? - $1,554,060.
不过如果你肯把这张桌子留给我 我们大可一百五十六万美元成交 But, we can call it an even 1,560,000 if you leave me that desk.
没想到竟然行得通 I can't believe it worked.
我不曾怀疑过 I can.
明天我们就去见租户 Tomorrow we meet the tenants,
你就说我们是马修的合作伙伴 introduce ourselves as Matt's partners,
然后等着看他们一脸愕然的样子 and watch the jaws drop.
也许我应该请一个摄影师来拍下那个画面 Maybe I should call a photographer so you capture the moment.
- 乔尔 - 怎么了？ - Joe. - What?
太过了？ Too much?
对 干杯 Yeah. Cheers.
（第二层 查尔斯雷诺）
你好 Hello.
（银行大楼公司 斯坦纳 莫瑞斯 盖瑞特）
（吉屋出售）
（银行大楼公司 吉屋出租）
（白人区 黑人区）
（14号建筑物）
（21号建筑物）
（28号建筑物）
笑一个 Smile.
（银行大楼）
（其他区 混合区 黑人区）
（1963年）
（欢迎来到德克萨斯州威利斯 人口：9320人）
爸爸 Hi, Pop.
最近好吗？ How you doing?
看看谁来了？ And who's this right here? Who's this right here?
嗨 爷爷 Hey, Grandpa.
爸 Dad.
- 吃点番薯 - 不用了 谢谢 - Here, get some of these sweet potatoes. - No, thank you.
发育中的孩子怎么可能不爱吃番薯泥？ What kind of growing boy don't like sweet potato mash?
宝贝 尝尝看 很好吃的 Sweetie, try 'em. They're delicious.
爸爸见过副总统 Daddy met the vice president.
真的？ Really now?
真的 只是伯纳德不想张扬 Yes, he did. Bernard is being modest.
林登贝恩斯约翰逊？ LBJ?
对啊 他来参观银行大楼 Yes, sir. He came by the Bankers Building.
是啊 儿子 Yes, son.
不错 口感非常好 Smooth. Very smooth.
我以为你不抽烟 Thought you didn't smoke.
说真的 我不抽烟 No. I don't.
我知道你喜欢抽烟 所以… But I know you like 'em, so...
这比我抽的烟好多了 These are a lot nicer than what I smoke.
你在洛杉矶发展得太好了 You doing so well out there in Los Angeles.
看来你说得对 Guess you were right.
你指什么？ About what?
用白人的方式赚钱 Earning money the way white men do.
你找到了一个大展身手的地方 Found you a place where you could do that.
只是这里依然办不到 Still... no chance of doing that here.
搞不好比以前更糟了 It might even be worse.
加州也不是尽善尽美的 只是… No, it's not perfect in California, but...
不一样 it is different.
我倒认为这跟加州无关 I don't... I don't think it's California.
儿子 爸以你为荣 I'm proud of you, son.
你要去哪？ Where you going?
到镇上走走 Taking a walk through town.
有必要穿成这样吗？ Dressed like that?
我要去白人区 Going on the other side of the tracks.
记得要打领带 You make sure you wear your tie.
有这个打算 I planned on it.
带小盖瑞特一起去 Take Junior with you.
他一定要亲眼见识一下自己的老家 He needs to see where he comes from up close.
（有色人种专用 白人专用）
为什么要有两个饮水机？ Why the fountains separated, Dad?
儿子 这里跟其他地方不一样 It's just different down here, son.
对啊 Yeah.
很遗憾 让你看到这些 I'm sorry you had to see that.
没关系 It's okay.
擦鞋多少钱一次？ Hey, how much for a shine?
先生 我只做白人的生意 Only do white folks here, sir.
（大陆银行）
你认为这是不对的？ You think this is a mistake?
我认为这个世界正在改变 I think the world is changing.
只是德州变得太少了 But maybe it hasn't changed enough in Texas.
我认为有必要这么做 I feel like I have to do this.
我知道 I know.
这也是我支持你的原因 And that is why I support you.
我们对银行业有什么了解？ What the hell do we know about banking?
银行吸纳存款和放贷 主要是与房地产有关的 Banks take deposits and make loans, mostly on property.
拥有一家银行 就像是拥有房地产业的另一面 Owning a bank is like owning the other side of the real estate business.
我敢肯定你漏掉很多细节 I'm pretty sure there's a few complexities you just left out.
例如我们是黑人 加上这家该死的银行位于德州 Like we black, and this goddamn bank is in Texas.
德州法律并未禁止黑人买下银行 There's no Texas law that says we can't own a bank.
我承认 黑人身份也许是个障碍 I concede, us being black may be an issue, practically speaking.
你终于肯承认了？ You willing to concede that?
我们让马修来当我们的代表 Well, we get Matt to front for us.
那还用说 No shit.
虽然马修为我们打开了洛杉矶的大门 But here in LA Matt unlocks the doors for us,
但他没有在做日常的经营 he don't run the business day-to-day,
更何况是银行业务 那一点也不简单 much less a banking business, which is not simple.
我们只要仔细监督就行了 We'd have to monitor things closely.
那种事你到底打算怎么做呢？ And how the hell you plan to do that?
在德州 我们不能进银行 除非是来当下人 We can't set foot in a bank in Texas unless we're the help.
我以为那是你最喜欢的部分 I thought that would be your favorite part.
我住在洛杉矶 I live in LA.
没打算搬去德州 难道你有这个打算吗？ I don't plan on moving to Texas. Do you?
我可以平日待在德州 During the business week.
然后在自己经营的银行里当个清洁工人？ And work as a janitor in a bank you own?
没那个必要 Won't have to.
马修每天下班后会来找我报告银行业务 Matt comes to me with the bank business at the end of every day.
你凭什么认为 他会愿意搬到一个鸟不生蛋的地方？ What makes you think he's willing to move to the middle of nowhere?
我不是有意要羞辱你那个多元种族的老家 No offense to your cosmopolitan hometown.
而且马修在洛杉矶的工作很好 Plus Matt's got a pretty good gig here.
我们要确保他得到应有的酬劳 We'd have to make it worth his while.
说得好 以前只要付这个白人出面费 如今却要付他更多钱了 Great, so now we gonna pay him even more money than we pay him to be white.
乔尔 想想我们能为那边的黑人 做的那些好事 Joe, think about all the good we can do for the Negro community down there.
我们可以帮助他们买房、创业 Help 'em buy homes, start businesses.
再说 那家银行的价值被低估了 And aside from all that, that bank is undervalued.
他们拥有充足的资金将贷款金额提升一倍 There's enough capital to double its loan base.
我们能赚一大笔钱 We could make a lot of money.
我们目前赚的钱也够多了 We make a lot of money now.
你打算一脸严肃地站在那里 You gonna stand there with a straight face
从商业的角度去说服我来做此事吗？ and tell me there's a business argument to do this?
伯纳德 这明明是一场社会运动 This is social activism, Bernard.
显而易见 Plain and simple.
你要搞社运有很多别的办法 There's plenty other ways to do that.
也许你只是对你爸感到愧疚 你觉得他被抛在后头了 Or maybe you're feeling guilty about leaving your father behind.
你听我说 Let me tell you this.
要是回一次老家后你就如此不理智 If one trip home can cripple your rational functions like this,
那我们就有麻烦了 we in trouble.
乔尔 恕我直言 With all due respect, Joe,
我认为这种事你不了解 I think this is something you won't understand.
不好意思 I'm sorry.
我今早起床后就不是黑人了吗？ Did I not wake up black this morning?
我很确定我还是黑人 'Cause I'm pretty sure I did.
是 还是黑人 Yep, still black.
难道你想说 因为我在加州长大 加上家里有点钱 Are you telling me because I grew up in California with a little bit of money,
在你看来我就不是黑人了？ I'm not black in your eyes?
我没有针对你的意思 I wasn't trying to make this personal.
明明就是针对我 Yes, you were.
对不起 I'm sorry.
伯纳德 要是我们真的进驻德州 Bernard, if we go down to Texas
搅合那边的种族隔离制度 必输无疑 and start screwing around with Jim Crow, we gonna lose.
无论合法与否 Don't matter whether it's legal or not.
即便马丁路德金为黑人争取了民权法案 Even if Dr. King gets civil rights legislation,
但影响速度没那么快 it ain't gonna happen fast enough
不至于让我们全身而退 for us to get out of this without losing our shirts.
你干脆把你爸带来这里吧 Bring your father out here.
直接帮助他更好 Help him directly.
别再想怎么拯救德州全部的黑人了 And get rid of that notion that you can save every black man in Texas,
你办不到的 'cause you can't.
我理解你不跟我合作的原因 I understand if you don't want to partner with me on it.
伯纳德 你一个人不可能买下那家银行 You can't buy this bank on your own, Bernard.
那个价格太高 Not at that price.
那我会去找另一个人合作 Then I'll find someone else to do it with me.
真是够了 Jesus H. Christ.
我跟你说过了 人有钱后就会变 I told you getting rich was going to change you.
记住我的话 这不是个好主意 Mark my words. This is a bad idea.
但是比起买下银行大楼 这个企划更大胆 But it's even more bodacious than us buying that Bankers Building.
银行大楼我们买下来了 不是吗？ And we sure enough pulled that off, didn't we?
好吧 我愿意加入 All right. I'm in.
该死的 Shit.
恕我直言 你们这么做简直就是疯了 For the record I say you guys are out of your minds, completely out of your minds.
你准备好了吗？ You ready?
我… I...
可以用三个句子告诉我 什么是银行业吗？ Could you tell me how a bank works in three sentences?
面包房用高于成本的价格卖面包 A bakery makes a profit by selling bread for more than it cost to make.
银行则是 A bank makes a profit
用高于成本的价格卖贷款 by selling loans for more than it costs to get the money needed to make those loans.
简单来说 银行给存户3%的利息 Basically, a bank gets money from depositors at 3%
再以5%的利息放贷 and loans it out at five.
天啊 还真的只有三个句子 Wow. That actually was three sentences.
走吧 Let's go.
肯定很好玩 This should be fun.
戴不戴帽子？ You gonna put the hat on?
不戴 I'll pass.
好吧 All righty then.
可以走了吗？ Shall we?
大家好 我是唐西维松 Gentlemen, Don Silverthorne.
- 弗洛伦斯 - 斯坦纳 - Robert Florance. - Matt Steiner.
小罗伯特弗洛伦斯 Robert Florance Jr.
- 下一位 - 各位 请进 - Next. - Please, gentlemen, come in.
谢谢 Thank you.
没问题 先生 Yes, of course. Gentlemen.
你们能保证我儿子会留下来 保护我余下的20%股权吧？ My son's guaranteed a position to protect my remaining 20% interest?
写在附件中了 You'll see that in the addendum.
但他今后不再是银行的独家贷款经理 But he won't be the bank's exclusive loan officer any longer.
我的客户买下这家银行的初衷 是为了提升放贷金额 My clients' primary interest in buying the bank is to increase the loan volume
从而提高银行的整体收益 and thus the profitability of the bank.
斯坦纳先生 你作为银行的新总裁 将是他的直属上司 对吧？ He'll be reporting directly to you as the new bank president, Mr. Steiner?
没错 That's right.
谁是伯纳德盖瑞特和乔尔莫瑞斯？ Who are Bernard Garrett and Joseph Morris?
我在洛杉矶的金融合伙人 My financial partners in Los Angeles.
他们怎么没来呢？ Why aren't they here?
实不相瞒 因为他们太有钱了 没时间处理这种事 Honestly? Because they're too rich to bother.
所以才派我过来 That's why they have me.
我就直说了 他们在国内有好几百项类似的投资项目 No offense, but they have hundreds of these investments across the country.
那是好事 Well, that's great for them.
但这项投资今天就要定案了 But this is the investment they're closing today.
我要指出 收购银行的全款 I should note that the full purchase price for the bank
今早11点时 已存入我银行中的第三方托管账户 is sitting in escrow in my bank as of 11:00 a.m. this morning.
这才是重点 Which is all that matters.
恭喜你 你终于成为老家银行的老板了 Congratulations, you are now the owner of your hometown bank.
是时候回去洛杉矶了 Time to get my black ass back to LA.
别问 Don't ask.
大陆银行如今归我和我的合伙人名下 My partners and I now own Mainland Bank.
我们有意改变银行现有的黑人贷款政策 And we intend to change the bank's policies regarding loans to Negroes.
但我要你们协助找出 But we need your help to identify
你们社群中富有责任感的潜在借贷者 responsible potential borrowers in your congregations.
有了贷款 你就… You get the loan...
很显然 这项新政策 及我们拥有这家银行的事 Now, it goes without saying that we cannot draw attention to this new policy
不能到处张扬 or to our ownership of the bank.
不然我们的一切努力将受到威胁 Or everything we're trying to do will be put in jeopardy.
但毫无疑问 我们的目的是通过发放贷款 But make no mistake, our goal is to foster business growth
促进企业成长和社区中的房屋拥有率 and home ownership in our community through access to capital.
感谢你们提供的贷款 我们买下了两台新的机器 Thanks to your loan, we bought two new pieces of equipment.
收益在短短三个月内增长了一倍 Doubled our revenue in three months.
这星期内你批准了14项贷款申请？ You approved 14 new loans this week?
对啊 That sounds right.
只有五项是我的 Only five of those were mine.
这家银行有大笔资金未被充分利用 There's a lot of underutilized capital in this bank.
你也懂的 为了加速业务成长 我会开始批准贷款 You knew I was gonna start signing off on loans directly to jump-start things.
我加入这家银行以来 从没在一周内 I haven't seen that many viable applicants in one week
见过这么多合格的申请人 since I've worked at this bank.
我从18岁起就在这家银行工作了 I've been working here since I was 18 years old.
这些人你是怎么找来的？ Where are you finding all these people?
谁是所罗门约翰逊？ Who's "Solomon Johnson"?
我们在大量网罗客户 We're casting a wide net.
放贷越多 收益越高 The more loans we make, the higher our profit.
你的股权也越值钱 Goes for your stake too.
只要他们不拖欠还款 As long as they don't default.
这就是抵押物的作用 That's what collateral's for.
我的合作伙伴乔尔 每隔一个星期会从洛杉矶过来一趟 My partner Joe comes in town every other week from LA.
他很想见一见你 He's looking forward to meeting you.
我跟他说这是这一带最好吃的烤肉 I told him this is the best barbecue around here.
谢谢 Thank you.
听着 我的账簿非常简单 Look, the books I keep are pretty simple.
但我可以去书房把它们拿出来 But I can go back to the office and bring 'em out.
你可以慢慢看 You can look 'em over.
- 太好了 谢谢 - 好 - That would be great. Thank you. - Okay.
你迟到了 You're late.
弗洛伦斯发现我们给黑人放贷 Florance discovered the black loans.
他从一开始就对我有所防备 如今更紧盯着我不放 He's been wary of me from the beginning, now he's watching me like a hawk.
知道原因吗？ Any reason why?
知道 他想当老板 Well, yeah, he had dreams of being the boss,
不想听命于一个比他年轻十岁 来自加州的家伙 not reporting to some guy from California ten years younger than him.
我不喜欢这个地方 I hate it here.
别闹了 我们刚搬来三个月 Come on. We've only been here three months.
足以知道喜不喜欢了 It's enough time to know.
当初为什么要答应他们呢？ Why did you agree to do this?
我每年赚两万五千美元 I'm making 25,000 a year.
只用一个月的薪水就买到这间房子了 We bought this house with one month's salary.
你们刚开始合作时 你说过他们会让你成为合伙人 When you started with them you said they were gonna make you a partner.
- 对 而且… - 合伙人是不领薪水的 - Yeah, and... - A partner isn't on a salary.
合伙人也是老板 A partner is an owner.
你不是一直告诉我说你想当老板吗？ Isn't that what you always told me you wanted to be?
我一定会当上老板 And I will be.
等我们收购另一家银行后 You know, on the next bank we buy.
你们要收购另一家？ You're buying another one?
对 在考虑中 We're thinking about it, yeah.
那是好事 Now that would be something.
对吧？ Wouldn't it?
我们都认同 这家烤肉店是个有利的投资吧？ So, we all agree the barbecue place is a good bet, right?
你肯定是伯纳德盖瑞特了 You must be Bernard Garrett.
你是乔尔莫瑞斯吧？ And you're Joe Morris?
你跟踪我吗？ What, you follow me here?
我只想知道我的银行归谁所有 Just trying to understand who really owns my bank.
你们几个可是名人 You boys are famous.
如果没弄错的话 这是你和副总统约翰逊的合照 That's you and Vice President Johnson, if I'm not mistaken.
听好 Listen,
我并不是要针对你们 I've got nothing against you people personally.
真是个宽宏大量的白人 That's mighty white of you.
要是让镇上的人发现 But if this town found out
他们的银行不仅经常借贷给黑人 that not only was their bank regularly making loans to Negroes,
还为两名黑人所有 but was actually owned by two of 'em,
银行肯定会损失不少生意 there'd be a run on the bank.
他们怎么可能发现呢？ Well, why would they find out?
他们看不到我们的账簿 They don't have access to our books.
你能看到 You do.
用了整整三个月才发现 Took you three months to figure it out.
- 我可以告诉他们 - 对啊 你可以 - I could tell 'em. - Yeah, you could.
那你将拥有破产银行20%的股权 而不是盈利银行的 Then you'd own 20% of a failed bank instead of a booming one.
你想怎么样？ What do you want?
我要保护自己的资产 To protect my investment.
如果这家银行跨了 我20%的股权也会化为乌有 This bank collapses, my 20% is worthless.
那我们是同一条船上的了？ So, we're in this together?
不算 Not quite.
我爸并不知道他把银行卖给两个黑人 See, my father didn't know he was selling his bank to two Negroes,
这是诈骗行为 so that's fraud.
小罗伯特 可不能那么说 I don't know about that, Bob.
我们两人的名字都在买卖合同上 See, both our names were on that bank contract you signed.
你还问起我们呢 You even asked about us.
不知道你从哪里听来的 Don't know who told you that.
不用打听 我当时在场 Didn't have to be told. I was there.
不可能 你不在场 No, you weren't.
想起了吗？ Bring back memories?
别说我没告诉你 你爸早就知道了 And for the record, your father knew.
你说谎 You're lying.
你自己去问问他 不然我可以找出他和西维松的通信 Ask him, or I can find a letter where he and Silverthorne discussed it.
别自以为聪明 You boys think you're so smart.
我们确实聪明 We are.
作为两个黑人来说 For a couple colored boys.
你们不能随便给黑人放贷 You couldn't just make a loan here, there to your kind.
一开始放贷就批了19个人？ You had to make 19 of them right off the bat?
我也有一封信 Well, here's another letter.
这是美国财政部货币监理署的来信 This one's from the Comptroller of the Currency. The US Treasury Department.
他们要提前两季稽查我们的财务记录 They're moving our yearly inspection up two quarters.
也就是一个月后 That's a month from now.
因为有人匿名投报我们违规放贷 Because of anonymous reports we're making unsafe loans.
你们刚搬来三个月 就以为很了解这座小镇 对吧？ You think you have this town figured out, when you moved here three months ago?
你们一点也不了解它 Well, you don't.
我可是德州人 I was born here.
我也是 这是我出生的家 So was I. In this house.
这么说来 Well,
你应该知道这种事隐瞒不了多久 then you should've known you couldn't keep this a secret very long.
在稽查结束前 我们不能再给同胞放贷了 We're gonna have to stop giving out loans to Negroes until after this inspection.
那些已经入账的贷款要怎么处理？ What about the ones already on the books?
我可以提一个建议吗？ Can I propose something?
能给我来一杯烈酒吗？ Can I get a stiff drink?
我建议再收购一家银行 We should buy another bank.
要双倍份量的 Make that a double.
怎么了？不是 我… What? No, I'm...
我是认真的 I'm serious.
（马林第一国立银行）
马林银行规模不大 Okay, the Bank of Marlin is small.
只要二十七万四千美元就能买下了 You can purchase it outright for 274,000,
价码是当初买下大陆银行80%股权的一半 half of what you paid for 80% of Mainland.
作为两家银行的总裁 As president of both banks,
我可以在大陆银行被稽查前 将那里的黑人贷款 I could move all the Negro loans we made at Mainland to the Bank of Marlin
全部转移到马林银行 before Mainland gets inspected.
如此一来 政府就不会再干扰我们了 It should keep the government out of our business
希望此举也能笼络弗洛伦斯吧 and hopefully make Florance an ally.
这个点子很有意思 It's an interesting idea,
但我和乔尔 手上没有多余的二十七万四千美元 but Joe and I don't have $274,000 in cash laying around.
我相信西维松也不会借钱 让我们在德州买下另一家银行 And I doubt Silverthorne will finance us buying another bank in Texas.
没错 不过我可能有办法 Right, well, I think I have a solution to that.
马林银行拥有两百万美元存款 The Bank of Marlin has two million in deposits,
但贷款只有一百万美元收益 but it's only made one million in loans.
所以不赚钱 Which is why it's not making a profit.
我们买下马林银行 So, we buy the bank.
用那额外的一百万存款 向集合平台收购贷款 We use that extra million in deposits to purchase loans from an aggregator.
我已经找到了一个利率8%的贷款配套 他们给优惠到6.5% I've already identified a package of loans with an 8% interest offered at 6.5%.
这1.5%的利率差立刻就可以让银行盈利 That 1.5% spread puts the bank instantly in profit.
除非拖欠率过高 Unless there's a high default rate.
你可以亲自查看那些贷款产品 Check the underlying loans yourself.
我认为相当可靠 They seem rock-solid to me.
整个配套值九十七万一千美元 The whole package is for sale for 971,000.
但我和乔尔无法从中取得现金流 Yeah, that doesn't help the cash flow problem for Joe and me.
没错 可是如果你们 以贷款经纪人的身份介入 All right, it doesn't, but if you and Joe incorporate as brokers,
按照这个抵押贷款配套 the Bank of Marlin can pay you a commission
你们可以获得接近二十万美元的佣金 of close to 200,000 on that package of mortgages.
对于一百万美元的抵押贷款配套 佣金也太高了 That's an awful lot of commission on a million-dollar package of mortgages.
可以这么说 但完全合法 Maybe, but it's completely legal.
这样投资额减少了三分之二 It cuts your investment by two-thirds.
银行得以继续赚钱 也可以给黑人放贷 The bank stays profitable and we keep loaning to Negroes.
这是个双赢的局面 Everyone wins.
这方案好得太不真实了 It sounds too good to be true.
你们大可请律师过目 Well, then have your lawyers check.
马修 即便你的方案行得通 Look, Matt, even if it does check out,
乔尔必须待在洛杉矶监督那边的产业 Joe has to spend his time in LA overseeing our properties there.
我则必须待在这边监督你和大陆银行 And I'm here overseeing you and Mainland Bank,
况且我根本不能从正门进去 which I can't even get in the front door of.
我只是认为 现在还不适合在德州收购另一家银行 I just don't think it's the right time for us to pick up a second bank in Texas.
如果你交给我经营就不必操心了 Well, you won't have to, if you let me run this one.
全权交给我经营 I mean really run it.
马修 Matt,
我不能代乔尔说话 只是我个人觉得这么做不妥 I can't speak for Joe, but I'm not comfortable with that.
抱歉 打扰一下 I'm sorry to interrupt.
你要不要来一杯？ Would you like one?
- 不必了 - 好的 - No. - Okay.
我们说好要一起合伙经营下一家银行的 Look, we agreed I'd co-own the next bank.
甚至都写进了合同里 We even put it in the contract.
三个月前 你对银行业务一窍不通 Three months ago, you didn't know the first thing about banking.
好了 这段时间我学了很多 Come on. I've learnt a lot in that time.
我不是觉得你没能力 只是… It's not that I don't have faith in you, it's just...
只是什么？ What?
二十七万四千美元是我和乔尔的血汗钱 It's $274,000 of Joe's and my money.
最终决定权应该在我们手上吧？ We should at least have the final say, right?
如果我在这里没有自主权 If I can't become my own man here,
看来我只能辞职回洛杉矶了 then I think I need to resign and go back to LA.
- 这是在威胁我们吗？ - 不是 - Is this you blackmailing us? - No.
乔尔 这么说不公平 No, that's not fair, Joe.
你们教会了我很多 You guys have taught me so much.
我只是希望能更像你们 I just wanna be more like you.
像一个老板 An owner.
无论你们决定如何 Whatever you decide...
你们造就了我 我感激不尽 I really appreciate everything you guys have done for me.
你说过事情会越来越复杂 You said this was gonna be complicated.
不 我当初说的是：“这不是个好主意” What I said was, "This is a bad idea."
接着我答应跟你一起冲下悬崖 所以才走到了这一步 Then I agreed to drive off the cliff with you and here we are.
如今我们要出资送一家银行 给一个只有三个月银行业务经验的小子 Now, we gotta buy a kid with 90 days of banking experience his own goddamn bank.
而且没人监督他 Without a chaperone.
（马林第一国立银行）
大家好 我只想说 很高兴跟你们一起共事 Hey, everyone, I just wanted to say I'm excited to work with all of you.
让我们一起成就大业 We're gonna do great things with this bank.
拓展业务之余 也帮周围的社区共同成长 Growing it while helping the community around it grow at the same time.
我随时有空 My door is always open.
让民众看看我们的新面孔 Let's show the public our new face.
配套中的第12笔贷款是那间房子 Twelfth loan in the package, it's that one right there.
又是一间位于白人住宅区的好房子 Another beautiful house in a white neighborhood.
批了吧 Give it a five.
感谢你出来帮我 Thank you for doing this.
不然我怎么学习呢？ How else am I supposed to learn?
好了 You can stop.
没人看你清理了 There's no one here to see you cleaning anymore.
无论做什么事 我都会尽心尽力 Whatever I do, I try to do my best.
抱歉 要你穿制服 I'm sorry you have to wear that.
如果他们信得过我 就没必要劳烦你了 I wish they'd just trust me, then you wouldn't have to.
我在这里 你不高兴吗？ Do you resent me being here?
有一点 A little.
我要求自己经营银行 你不高兴吗？ Do you resent me for wanting to run my own bank?
有一点 A little.
真的吗？ Really?
你知道我不是出生在有钱人家 Come on. You know I wasn't born into money.
我只是学会了装富 你也帮了我很多 I just learnt to fake it. And you helped me.
我也发现… I do realize...
只有白人才做得到 I had to be white for that to work.
还得是男人 And a man.
我只是… I just...
我只是希望他们尊重我为这个事业的付出 I wanna be respected for what I've done for the business.
尊重是个昂贵的东西 Respect is a big thing.
为了赢得尊重 很多人甘冒很大的风险 Sometimes people take big risks to chase it.
我和你一样 都希望这家银行成功 I want this bank to succeed just as much as you do.
我也希望你成功 I want you to succeed.
我想要提醒你一下 希望你不要介意 And I hope you don't take this the wrong way,
你三个月前才开始接触银行业务 but you just took up banking three months ago.
伯纳德也是 So did Bernard.
全都非常可靠 They're all solid.
我们查过每一笔贷款的抵押房产 We looked at the property securing every single loan.
真快 That was fast.
交钱之前 一定要确保文件内容没出现差错 Just be sure the documentation matches exactly before handing over any money.
知道了 没问题 Yeah, of course.
记得联络跟你提到的那个 在休斯顿的律师 And contact that lawyer I told you about in Houston.
我和他合作过 他叫迈克尔奥克夫 我信得过他 I worked with him before. O'Keefe. Michael O'Keefe. I trust him.
已经联络了 他说他会过来 I already did. He said he'll be there.
好极了 Perfect.
不好意思 Excuse me.
天啊 这地方太棒了 Man, this place is so good.
我明早就回去了 So, I'm gonna head back in the morning.
（黑人企业）
没事的 It's okay.
我马上处理好 I'll have it fixed in no time.
好 Okay.
我认为他的声明经过精心设计 I thought his statement was rather cautiously worded.
我没有得到保证 说赫鲁晓夫先生或苏联 I didn't get any assurances that Mr. Khrushchev or the Soviet Union
已经退出了太空竞赛 was out of the space race at all.
我认为… I think it's...
斯坦纳先生 你的律师已经看过所有贷款了 Mr. Steiner, your attorney's almost finished reviewing the packet of loans.
太好了 Great.
- 需要什么不妨告诉我 - 谢谢 - Let me know if you need anything. - Thanks.
感谢你迅速替我办好 Thank you again for doing this so quickly.
这些贷款产品如何？ How are the underlying loans looking?
相当可靠 你可以开始签约了 Solid. You can start signing the contracts now.
太好了 Great.
（中德州联合贷款机构）
（买家：马修斯坦纳 签名：马修斯坦纳）
（贷款配套 首页）
（总值：971213美元）
（签名：马修斯坦纳）
（支付：971213美元 收款人：中德州联合贷款机构）
（授权人签名）
- 嗨 - 嗨 - Hi. - Hey.
嗨 你好吗？ Hi. How are you?
很好 你呢？ Good, how are you?
很好 Good.
顺利吗？ How'd it go?
我刚开了一张九十七万一千美元的支票 Well, I just wrote a check for $971,000.
这是第一次 Never done that before.
你天生是个经商奇才 You're a natural businessman.
我也说不上什么 I don't know. I mean...
去和投资免下车冰淇淋店的人说吧 tell that to the people who invested in the drive-in ice cream shop.
你当时才19岁 You were 19.
怎么说呢？我当时用的是我爸的存款 Yeah. But, I dunno, it was my dad's savings.
我可不希望亏掉伯纳德和乔尔的钱 I just don't want to lose Bernard and Joe's money the same way.
他们有你真幸运 They're lucky to have you.
我才是那个幸运的人 在向比我聪明得多的人学习 No. I'm the lucky one. I'm learning from people a lot smarter than I am.
马修 Matt,
他们没有比你聪明 they're not smarter than you.
那是不可能的 I mean, they can't be.
他们是我的朋友 They're my friends.
对不起 我没有那个… Hey. Look, I'm sorry. I didn't...
- 够了 - 马修 - No. - Just... Matt.
不要用这种口吻说话 Don't talk like that.
喂？ Hello?
是佛罗伦斯 It's Florance.
这边有四个白人客户 I've got four white customers here
说要提出所有存款 saying they wanna withdraw all their money from the bank
因为他们认为这家银行 because they think it's owned
为全国有色人种协进会所有 by the National Association for the Advancement of Colored People.
这个牌子放在了大陆银行大门 This was on the door at Mainland.
（这是全国有色人种协进会的银行）
写得够隐晦的 Subtle.
过去两天已经有五个白人提出所有存款 Five white customers withdrew all their money in the past two days.
佛罗伦斯成功说服了九个存户留下来 Nine were convinced by Florance to stay.
这像他的作风 Fitting.
搞不好是他把消息放出去的 Considering Florance probably the one who started and spread the rumors himself.
什么？为什么这么说？ What? Why would you say that?
伯纳德 我早就跟你说过了 Told you long time ago, Bernard.
我信不过他们 I don't trust people.
尤其是白人 你记得你说过这句话 Especially white people. I remember.
错了 我说白人和黑人都信不过 No, what I said was white and black.
不同的是 当白人背叛你后 The difference is, when a white person screws you over,
他们可以依赖其他白人另辟门路 they can count on other white folks out there to look the other way.
仅仅是知道这一点 就足以展露出人性最黑暗的一面 And just knowing that brings out the worst in people.
你这么悲观 为什么每天早上还爬得起床呢？ How can you be so pessimistic and still get out the bed in the morning?
即使是被操纵的游戏也是有趣的 伯纳德 Even a rigged game's fun to play, Bernard.
（马林第一国立银行）
马修斯坦纳？ Matt Steiner?
没错 Yes.
我是货币监理署的稽查员 I'm an examiner with the office of the Comptroller of the Currency.
有什么可以帮到你吗？ How can I help you?
你好？ Hello?
联邦银行稽查员刚离开我的办公室 A federal bank examiner just left my office.
不是说好下个月的吗？ I thought that wasn't until next month.
我是指马林银行 不是大陆银行 No, I meant Marlin, not Mainland.
他说了什么？ What did he say?
他叫我们把总账簿拿出来 他一个小时后回来 To get the master books out. He's coming back in an hour.
糟了 Shit.
这不可能是个巧合 This can't be chance.
马修还没准备好 Matt's not ready.
怎么说呢？ Well, how could he be?
他会犯错的 And he's gonna get tripped up.
我们不能让这种事发生 We can't let that happen.
我必须全程在坐在他身边才能避免他犯错 I'd have to be sitting in the room next to him the whole time for it not to happen.
但我不能光明正大地这么做 不是吗？ And I can't exactly do that, now can I?
但你可以在他附近帮他 Well, you could do something close to it.
一定有其他办法的 There's gotta be another way.
乔尔不也是穿过司机制服吗？ 难道他觉得光彩吗？ Well, Joe's not too proud to put on a chauffeur's uniform.
乔尔是含着金汤匙出生的人 Well, Joe was born with a silver spoon in his mouth.
对他来说就像是在玩变装游戏 For him it's like playing dress-up.
但我不是 我出生在穷人家 Well, I wasn't. I was barely born with a spoon.
为了帮你经营事业 我穿这件制服多少次了？ How many times have I worn this uniform to help this business?
但你是… You're...
- 我是个女人 对吗？ - 对啊 - A woman? - Yeah.
伯纳德 我爱你 I love you, Bernard.
但你这番话 跟一个白人告诉你 But how is that any different from a white man telling you
身为黑人不要介意尊严遭到践踏 you shouldn't mind some daily assault on your dignity
有什么分别？ because you're black?
你之前该抓住机会假扮豪车司机的 Should've took limo driver when you had the chance.
帽子会改变我的脸型 我不喜欢 I don't like what hats do to the shape of my face.
你当真说了一个笑话 You made an actual joke.
这种情况下 我能怎么做？ Well, what else can I do in this situation?
当你领悟到人生是怎么回事时 See, you find out how life really works,
也只能笑 什么也做不了 can't do nothing but laugh.
你确定不喝咖啡或是其他饮料吗？ You sure you don't want a coffee or anything?
不用 谢谢 No, thank you.
要不要来一杯冰水？ A cold water maybe?
星期五结束营业时 As of close of business Friday,
逾期超过60天的贷款拖欠率少于5%？ the total number of loans delinquent beyond 60 days was under 5%?
是 Yes.
准确的百分比是多少？ What was the exact percentage?
3% 3%.
我们在讨论机密消息 We are discussing confidential information.
我相信清洁工人不可能听得懂吧 I'm sure the janitor wouldn't understand it.
其他人可能听得懂 Someone else might.
请说明这笔交易的来龙去脉 Take me through this transaction.
那是我们收购的贷款配套 目的是提高贷款与资本比率 That's a package of loans we bought to increase our loan-to-capital ratio.
他有麻烦了 He's in trouble.
文字描述我自己能看懂 I can read the description myself.
我只是对这笔相关费用感到好奇 I'm curious about this related charge.
你汇了189186.04美元 给国谷抵押贷款公司 $189,186.04 to Valley National Mortgage Company.
这笔汇款没有文字描述 There's no description for that.
那是经纪人的佣金 It's a broker's fee.
十八万九千美元 是九十七万一千美元贷款配套的佣金 $189,000 as a finder's fee for a $971,000 package of loans
而该贷款配套就在休斯顿集合平台？ sitting in an aggregator's office in Houston?
好大的一笔佣金 That's a pretty hefty finder's fee.
不是很多 19.5% 但也包含预付的咨询费 No, 19.5%, but that includes payment for future consultation.
这种安排很奇怪 Well, that's a strange arrangement.
盖瑞特先生和莫瑞斯先生？ Mr. Garrett and Mr. Morris?
你对这二人有何顾虑吗？ Is that something that should concern you?
你不是来查看这家银行合不合法吗？ Aren't you here to make sure my bank is sound?
好吧 我们就谈贷款吧 Okay, let's turn to the loans themselves.
你收购那些贷款付了971213美元 You paid $971,213 for these loans.
你在账簿上也是如此估值的 You have them valued as such on your books.
对 没错 Yes, of course.
告诉我你是用什么方法 给这个账面价值估值的？ Show me the methodology you used to justify that book value.
我有个专家负责此事 I have an expert to do that.
请叫他进来 Bring him in, please.
他今天不在 He's not in today.
但我可以查看他的文档 But I can check his files.
麻烦你了 Please.
他想要知道 我们给贷款配套估值的具体方法 He wants to know the exact methodology we used to value the loans in the package.
好 Okay.
注意了 Pay attention.
用的是标准的现值公式 It's a standard present value equation.
这是个人贷款的按月偿还表 This is an individual loan's monthly payment schedule.
再把拖欠率的风险考虑进去 Now, adjust that with the risk factor for default.
在德州 平均拖欠率是5% Standard 5% in Texas.
这是我用的方法 That's what I used.
撕下来给我 Tear that out for me.
你不能带着那张纸走进办公室 You can't go in the room with that piece of paper.
上面有伯纳德的笔迹 It's got Bernard's handwriting on it.
- 背下来 - 我办不到 - Memorize it. - No, I can't.
怎么办不到？你的记性很好 Sure you can. You got a great memory.
不行 我太紧张了 No, I'm too nervous.
听好 Hey, listen.
你要是过不了这一关 他就会将这些贷款减记 You fail this test and he's gonna write down those loans
这会威胁到这家银行的稳定性 and it'll threaten the stability of the bank.
你的银行 Your bank.
马修 这是你的银行 This is your bank, Matt.
振作起来 出去拯救它 Now, pull it together and go out there and save it.
让我再看一遍 Okay, let me see that one more time.
我找到估值方法了 Okay, I have the methodology.
那个迟点再谈 Put a pin in that.
你不在期间 我发现个人贷款有问题 I found problems with individual loans while you were gone.
我给贷款估价时很保守 I valued those loans conservatively.
我们没做错任何事 We didn't do anything wrong.
他们要搞垮我们的银行 自然会想出很多办法 They wanna shut us down, they got plenty ways they can do that.
5%的拖欠率？ "5% default rate?
天啊 要是发生旱灾怎么办？ Hell. What if there's a drought?
你们估测贷款时 You niggers need to value them loans
必须考量到百年一次的大旱灾 assuming there's gonna be a once-in-a-generation drought.
拖欠率应该是25% 25% default rate for y'all."
这笔贷款必须取消 This loan's gonna have to be sold off immediately.
这个也是 And this one.
怎么了？有什么问题？ Why? Why? What's wrong with them?
那个贷款是两万一千美元 Well, that loan is for $21,000.
你的资本账户是二十万美元 Your capital account is $200,000.
是 Okay.
你搞不清楚状况吧？ You don't understand why that's a problem, do you?
国民银行法案规定 银行账目上不能有 The National Banking Act specifies that no bank shall have a single loan on the books
单笔金额超出主权资本10%的贷款 that exceeds 10% of equity capital.
对你而言就是两万美元 Or $20,000 in this case.
是 Right.
但这个才4000美元 Okay, but this one's only 4,000.
但贷款期限是25年 这个也是 It's for a 25-year term. Same with this one.
这种规模的银行 只能提供最高20年的贷款期限 A bank of this size is limited to 20-year terms.
这个贷款看似合法 但已拖欠三个月未还款 And this loan is legal on its face, but it's three months delinquent.
我不会要求你卖掉 但我要重新分类 I'm not gonna require you to sell it, but I'm gonna classify it.
把你账面的价值减记40% Take its value down on your books by 40%
因为要考虑到其较高的拖欠风险 to account for the elevated risk of default.
等一下 我去去就回来 Hold on. I'll be right back.
这些贷款怎么会归入配套里的？ How the hell did these loans get in the package?
- 我不知道 - 岂有此理 - I don't know. - Unacceptable.
马修 每笔个人贷款我都查过了 I looked over every individual loan, Matt.
没有贷款超过两万美元 也没有贷款的偿还期超过20年 There was nothing over $20,000. Nothing over 20 years.
你签收时有没有看清楚？ Did you look at the loans when you picked them up?
到底有没有看清楚？ Did you look at the goddamn loans?
我看过了 只是看得不够仔细 Yes, I looked through them. Maybe not carefully enough.
我只看过首页 I read the top sheet...
天啊 Unbelievable.
首页骗不了人吧 Well, they can't lie on the top sheet.
马修 上面没有贷款限额 Matt, there aren't any limiters.
什么？ What?
首页上面没有个人贷款限额 There isn't anything on this top sheet about individual loan limits,
没有贷款总额和偿还期限 dollar amounts or durations.
只有平均值 They're all averages.
首页没有撒谎 They didn't lie.
只是它把数字都藏在平均值里 They just hid the shit in the averages.
我们的律师怎么会看漏了呢？ How the hell did our lawyer miss that?
- 我没聘用奥克夫 - 什么？ - I couldn't use O'Keefe. - What?
伯纳德查看房产的速度很快 于是我把收购期提前了 Bernard checked the properties so fast I moved up the purchase date.
奥克夫没空 于是我聘了其他律师 O'Keefe couldn't make it, so I hired someone else.
- 这个律师怎么找的？ - 打听的 - How did you find him? - I asked around.
你打听…他打听来的 这是什么意思？ You asked... He asked around. What the hell's that mean?
我们跟你说过 你还没有经营自家银行的能力 We told you you weren't ready to run your own bank. We told you.
但你咄咄逼人 我们才走到这一步 You forced our hand. Now here we are.
等一下 Whoa, whoa, whoa.
你叫谁帮你找律师？ Who exactly did you ask to find this lawyer?
马修 到底是谁？ Who, Matt?
弗洛伦斯 Florance.
弗洛伦斯？ Florance?
你居然去问弗洛伦斯？ You asked Florance?
他把抵押贷款调包了 He switched the goddamn mortgages.
他为什么要那么做？ Why? Why would he do that?
为了毁掉马林银行 To kill Marlin.
最可恶的是 我穿着清洁工人制服 在厕所里得知这件事 And the worst part is I have to learn about it here, in this ridiculous outfit,
而你竟是他的帮凶 that you helped him do it!
等等 这一定是违法的吧？ No, that's gotta be illegal, right?
他这么做有什么好处？ What does he get from that, anyway?
筹码 Leverage.
动摇我们在大陆银行地位的筹码 Against us at Mainland.
他也可能只是想看我们垮掉 Or maybe just to watch us fail.
我们要在一星期内卖掉27笔不良贷款 并自己来弥补所有减记 We have to sell 27 bad loans in a week and cover all the markdowns ourselves.
会损失三十万美元 We're gonna lose $300,000,
除非马修斯坦纳 将马林银行变成德州史上最赚钱的银行 unless Matt Steiner can make Marlin the most successful bank in Texas history.
关掉银行也可以 Or you could let it close.
是马修的错 不是你的错 Matt got you here, you didn't.
不是 是我的错 No, I did.
是我自作聪明 以为可以回到德州大展拳脚 Soon as I thought I was clever enough to come down here and take on all of this.
乔尔警告过我 Joe warned me.
你也警告过我 You warned me.
13岁那年 我爸就警告过我了 My daddy warned me when I was 13.
若此事很容易 早就有其他人做了 If this was easy, somebody else would have done it a long time ago.
你们打算一走了之？ So, you're just gonna walk away from it?
这是唯一理智的决定 It's the only rational thing to do.
我们可以控告那个人渣 No, we could sue the bastards.
你已签的合同上清楚地写着 你要买的是什么 You signed a document saying you knew exactly what you were buying.
但那个律师骗了我 我们可以控告他 But the lawyer lied to me. We can sue him.
马修 你能控告他 但我们不能 Maybe you can, Matt, but we can't.
我和伯纳德不可能赢得这场官司 尤其是在德州 Me and Bernard can't win that case, not in Texas.
再说 马林银行也撑不到那个时侯 Plus, Marlin will be gone by then anyway.
我不会放弃马林银行的 总有什么办法吧 I'm not gonna lose Marlin. There's gotta be something I can do.
马修 对不起 Look, I'm sorry, Matt.
我知道马林银行是你的心肝 但现在我要你专注经营大陆银行 I know it was your baby, but I need you to focus on Mainland now.
怎么经营？ Well, how?
盯住弗洛伦斯 Keep an eye on Florance.
确保白人踏进那家银行时 And make sure when white folks come in that bank,
看见总裁办公室里坐着一个白人 they see a white man in the president's office
这样他们不会提出存款 so they won't pull their deposits.
这是盖瑞特家 Garrett residence.
他在 等一下 Yes, he's here. Just a moment.
乔尔 找你的 Joe, it's for you.
没错 我是乔尔 Yeah, this is Joe.
别说是我告诉你的 You didn't hear this from me,
我在货币监理署有个挺照顾我的朋友 but I got a friend at the Comptroller's office who kind of looks out for me.
他昨天打来找我 Called me yesterday to say
说马修斯坦纳把马林银行 所有“非卖不可”的贷款都清掉了 Matt Steiner managed to get all "must sell" loans off Marlin's books.
这不重要 That don't matter,
我们已经决定不会再把钱投入那家银行 'cause we decided we ain't gonna put no more money in there anyhow.
是以面值出售的 不减价 At face value. No discount.
就是说马林银行 没有你们的资金 也付清了债务 Which means Marlin's in the black again, fully solvent...
恢复偿付能力了 without capital from you.
谁会以面值收购这些烂贷款？ Who the hell would pay face value for those piece of shit loans?
德州威利斯的大陆银行 Mainland bank in Willis, Texas.
什么？ Say what?
这个混蛋 Son of a bitch!
你到底在搞什么鬼？ What the hell are you doing?
你竟然让大陆银行以面值买下 You had Mainland pay face value
联邦政府部门在马林银行减记的贷款 for the loans the feds already had you mark down at Marlin?
这只是暂时的 It's just temporary.
- 这是欺诈行为 - 不 如果把这些贷款归类… - It's fraud. - No, if we classify them differently...
马修 你再这样下去 两家银行都会给你搞垮 If you keep this up, you're gonna sink both banks, Matt.
把账簿拿来 Get the books.
- 先等… - 把该死的账簿拿来 - Shouldn't we wait until... - Get the goddamn books now.
我只是把钱转去… All I did was transfer the...
马修斯坦纳 你是大陆银行的总裁吗？ Matthew Steiner, president of Mainland Bank?
- 没错 - 我是诺曼邓恩 - Yes. - I'm Norman Dunn,
南区货币监理署专员 Deputy Comptroller of the Currency for the Southern District.
财政部已吊销大陆银行的执业准证 The Treasury Department has revoked Mainland's license to do banking.
根据国民银行法 你所持的银行 已经交由联邦存款保险公司接管 Your bank is being placed in FDIC receivership per the National Banking Act.
这是联邦存款保险公司的阿默斯先生 This is Mr. Amos of the FDIC.
斯坦纳先生 你被开除了 Mr. Steiner, you're fired.
我会送你离开这座建筑物 I'm going to need to escort you from the building now.
请把账簿放在原处 Please leave the ledgers where they are.
各位先生女士 Ladies and gentlemen,
美国财政部宣布关闭这家银行 直到另行通知为止 the United States Treasury Department has closed this bank until further notice.
一万美元以下的存款都受到联邦政府保障 All deposits up to $10,000 are insured by the federal government.
联邦存款保险公司在审查银行账簿后 就会将存款还给你们 Upon FDIC review of the bank's books, your money will be returned to you.
从今天起 此建筑物将不再对外开放 The building is now closed to the public.
请马上离开 We must ask that you leave.
（关闭）
实在对不起 我以为可以同时拯救两家… I'm so sorry. I thought that I could save both...
别让我看到你 Get out of my face.
- 是伯纳德盖瑞特和乔尔莫瑞斯吗？ - 是 - Bernard Garrett and Joseph Morris? - Yes.
- 联邦调查局 你们被捕了 - 为什么？ - FBI. You're under arrest. - For what?
转过去 面朝墙壁 Turn around and face the wall.
不 为什么抓我们？ 我们做了什么违法的事？ No. What are we under arrest for? What did we do that's illegal?
- 法官会告诉你 - 不行 - The judge will tell you that. - No, screw the judge.
- 告诉我们犯了什么法 - 伯纳德 - You tell me what we did that's illegal. - Bernard.
- 他在闹什么？ - 我懂了 - What's he complaining about? - I get it.
黑人赚钱只要给自己用就没事 A black man makes some money and it's okay as long as he keeps to himself.
若他试图扶持其他黑人兄弟 那是不能容忍的 But if he try to bring other brothers up, that's intolerable.
你被捕了 盖瑞特先生 This is happening, Mr. Garrett.
你应该问问自己 你要不要因为拒捕而受伤？ The only question to ask yourself is do you want to get hurt fighting it?
- 放开他！ - 伯纳德 住手！ - Hey, get off of him! - Bernard, no! No!
走吧 Come on.
德州银行监管局已经撤销所有指控 The state banking charges have all been dropped.
但联邦政府并没撤销指控 The federal charges, however, are all still in place.
依我看来 这是个政治问题 Now, it's my feeling that we're in a political space here.
如果我们处理得当 So if we play our cards right,
搞不好也能撤销这些指控 we'll be able to get those charges dropped as well.
政治？怎么说？ Political how?
阿肯色州参议员约翰麦克莱伦 Well, Senator John McClellan of Arkansas
正在为几家联邦政府资助的银行 举办听证会 is holding a set of hearings on federally funded banks.
目的似乎是抨击美国财政部 The goal seems to be to shit all over the so-called "lax oversight"
疏于监督 that our Treasury provides,
以合理地扩大其委员会的管辖范围 so as to justify his committee expanding its jurisdiction.
如此一来 就能确保银行业 Thereby ensuring a steady stream of campaign donations
为政治宣传活动提供稳定的赞助金 and favors from the banking industry.
跟我有什么关系？ So, what does that have to do with me?
你要听明说的还是暗示的？ You want the stated or the unstated version?
暗示 Unstated.
“我们要改变法律 "We need to change these laws.
刻不容缓！ And I mean quick!
不然这些黑人就会买下银行 向其他黑人放贷” Or niggers like these can own banks and loan money to other niggers."
没错 That.
伯纳德 往好处看 On the bright side, Bernard,
因为我们的事 刚好对麦克莱伦争权夺利有好处 'cause we fit so neatly into McClellan's power grab,
整个国家都在谈论 两个黑人买下了两家银行 the whole country's talkin' about how two Negroes managed to buy two banks
里面存的全是白人的钱 他们再把这些钱借给其他黑人 full of white folks' money in Texas and loan it to other Negroes.
我还以为约翰麦克莱伦 是第一批谴责麦卡锡主义的人之一 I thought McClellan was one of the first people to stand up to McCarthyism.
他的确是 He was.
那他肯定是个好人了 So he must be a decent man, right?
伯纳德 我不懂得怎么看透人心 You know, Bernard, I don't have the ability to look into a man's soul.
但我可以告诉你 But I will tell you this...
这个人想要透过听证会 重申白人至上的立场 he means to make a point with these hearings.
如果你能在这方面助他一臂之力 And if you want to help him make that point,
我有理由相信你不会被控任何罪名 I highly doubt that you're gonna have any problem with any kind of criminal charges.
那马修在这件事上是什么立场？ So, where's Matt in all this?
问得好 Now, that is a good question.
我的律师不让我来这里 My lawyer doesn't want me here.
这说明他不是真正关心你 Then your lawyer doesn't have your best interests at heart, Matt.
我们大可达成一个协议 救你一命 Because we can make a deal here that could save your life.
怎么救？ How does that work exactly?
你能… You're gonna...
你能把钱和房子还给我吗？ give me back my money? My house?
不能 Hardly.
但我可以让你免罪 But I can give you immunity.
你甚至可以避免以下责任 And you might avoid being called to account
比如在23个不同场合中 for lying to the public on 23 separate occasions
就大陆银行和马林银行 真正持有人问题说谎 about the true ownership of the Mainland and Marlin banks.
伪造银行贷款估值 Fraudulently valuing loans in these banks.
在这两家银行之间非法转移上述贷款 Illegally transferring said loans between the banks in question.
这个故事不难编 It's an easy story to tell,
就说这两个人操纵你 how these two men manipulated you,
利用你去误导老百姓 让他们以为你是老板 然后从中渔利 used you to make money by duping everyday citizens into thinking you were the boss,
真相是 这两个黑人才是幕后主脑 when really it was two Negroes pulling the strings.
但他们并没有逼我去做出这些事 But they didn't force me to do the things I did.
他们步步为营、奉公守法 They were careful to follow the law.
你没有任何证据将他们治罪 You won't find any evidence that they committed a crime.
这就是银行业罪案的关键之处 See, that's the thing about banking crime,
总有个主观因素 there's always a subjective element to it.
你听我说 Now,
这两个黑人赚了… these two Negroes earned...
他们靠九十七万一千的抵押贷款 赚了十八万九千美元 189,000 between the two of them,
那些抵押贷款只值六十六万三千美元 off a $971,000 purchase of mortgages that in fact were worth 663,000.
在我看来 这就是滥用银行资金 See, that is a misuse of bank funds in my book.
滥用银行资金是一宗罪 And a misuse of bank funds is a crime.
事实比你想的更复杂 It's more complicated than that.
斯坦纳先生 我倒不认为 I don't think it is, Mr. Steiner.
除非你说他们没有逼你 去买下这些烂抵押贷款 Unless you're telling me they didn't force you to buy these dog-shit mortgages...
以骗取银行十八万九千美元的佣金 so they could bilk the bank of $189,000 of commission.
那他们也许真是无辜的 Then maybe they are innocent
也许该坐牢的另有其人 and maybe someone else needs to go to prison.
抱歉我把他带进这个圈子 I'm really sorry I ever brought him in.
你没逼我聘用他啊 You didn't force me to hire him.
乔尔警告过我很多次了 Joe warned me a dozen times as well.
也许我当初只是想相信他一回吧 Just wanted to believe in him, I guess.
希望那个这间房子的主人 会付清你的装修费 I hope whoever owns this place is taking good care of you for the renovation.
那是一定的 He is...
因为我就是屋主 'cause it's me.
好样的 Yeah.
你的证词中称 你从头到尾都是受到 So, it's your testimony that you've always been under the direction
伯纳德盖瑞特和乔尔莫瑞斯指使 of Bernard Garrett and Joe Morris.
对吧？ Is that correct?
对 没错 It is. Yes.
你曾违抗过盖瑞特或莫瑞斯的命令吗？ You ever refuse an order from Garrett or Morris?
例如马林银行第一次买下抵押贷款 For example, the initial purchase of mortgages by the Marlin bank,
盖瑞特和莫瑞斯因此 得到了十八万九千美元的佣金 for which Garrett and Morris were compensated $189,000,
或是后来大陆银行以不合理的高价 or Mainland Bank's subsequent purchase at grossly inflated prices
从马林银行购得有问题的抵押贷款 of problem mortgages from Marlin?
他们是我的雇主 我只是遵照他们的指示办事 They were my employers. I carried out their wishes to the letter.
（现值 年金）
马文 没想到你会安排这个面谈 I'm surprised you requested this meeting, Melvin.
似乎我的提议只需简单的回应 同意还是不同意 It seemed my offer required a simple answer, yes or no.
（麦克莱伦参议员） Especially given how solid Steiner was today.
尤其当斯坦纳今天做出有力的证供后
约翰 伯纳德不是那种没了解过所有细节 Well, John, Bernard's not the kind of man
就贸然同意成交的人 to make a deal without checking all the details.
但他所受到的指控显示 It seems to me that a large part of his purported defense
他似乎就是这种人 is that he did just that.
你要我在接受审讯时 把银行法纳入供词里 You want me to put the banking rules on trial in my testimony.
我只是要你说出真相 I want you to tell the truth.
是 应该会有你说的效果 Which should have that result, yes.
银行法允许你们不公开持有人身份 The rules allowed you to hide your identity from the public
做出一连串动作 进而导致两家国内银行破产 and take the successive actions that led to two national banks becoming insolvent,
害得成千上万无辜存户的存款承担风险 risking the savings of thousands of innocent depositors.
你我对真相的看法很不同 You and I see the truth very differently.
小子 我来自阿肯色州 Son, I'm from Arkansas.
我知道黑人有时难免遭受不公平的待遇 You don't have to tell me that Negroes sometimes get the short end of the stick.
“有时” "Sometimes."
这种状况在这里是改不了的 We're not gonna change that here.
真相是 无论他们给你制造了什么障碍 The truth is, whatever obstacles they put in your way,
你都专心做事 you kept your head down, did your business,
成了国内最有钱的黑人之一 became one of the richest Negroes in the country.
你其实已经实现美国梦了 You were living the American dream
只是后来你决定去扰乱德州的社会秩序 才会沦落到这个地步 before you decided to go mucking around with the social order in Texas.
算是一个教训吧 Might be a lesson there.
如今你有得选择 You have a choice now.
选择免罪协议 Take the immunity deal.
上庭确认斯坦纳的供证无误 Go in there and confirm what Steiner just told us,
说你透过钻法律漏洞致富 that you took advantage of lax rules in order to enrich yourself.
让国会去修补这些法律漏洞 事后你就是个自由人了 And let Congress fix those rules, and you'll be a free man.
你也可以选择拒绝这项协议 Or you can refuse the deal...
在法庭上畅所欲言 and say whatever you want.
别说我没提醒你 But just know,
等你在庭上发表过 反种族歧视和黑人遭受不公待遇的言论后 after you're done saying your piece about racism and the plight of the Negro,
法庭就会仔细把你的每一条供词 we're gonna compare your testimony point for point
跟斯坦纳、弗洛伦斯 with what we heard from Steiner and Florance,
以及一大群白人的供词作对比 and a whole bunch of other white people.
幸好美国宪法不论肤色 Well, thank God the Constitution doesn't make those types of distinctions.
但到最后 Well, at the end of all that,
法庭会做出最终裁决 a determination will be made by a court of law
判定谁说实话 to decide who's telling the truth...
谁说谎 and who's lying.
说谎的人自然要坐牢 And the liars are going to prison.
从外面看去确实很漂亮 Sure is pretty from the outside.
看来你当初说得对 Guess you were right.
我们两个黑人 不应该这么早买下德州的银行 It was too early for two Negroes to own a bank in Texas.
也许吧 Maybe.
也许你现在买是正确的选择 Or maybe you were right to do it now.
怎么说？ Why?
看看你今天的成就 Look where you ended up.
白人可以买房、创业 White people get to buy homes and build businesses
是因为银行愿意借钱给他们 because banks will loan them money.
这些事黑人都做不到 Black people don't.
该有人让一切被看见了 And maybe it is time that someone shine a bright light on that now,
这样才能做出改变 in order for things to change.
要是我选择把这个真相公诸于世 麦克莱伦就会免去我的免罪资格 Well, if I shine the light too bright, McClellan will get rid of my immunity.
你认为我应该在庭上做什么？ What do you think I should do in there?
当初我要嫁给你时 大家都以为我疯了 Everyone thought I was crazy to marry you.
你的想法总是跟别人不一样 You always thought differently from everyone else.
伯纳德 这也是我爱上你的原因 But that's why I fell in love with you, Bernard.
你今天的决定永远不会影响我对你的爱 And whatever you decide to do in there today is not gonna change that.
可以给我一点时间吗？ Would you mind giving me a minute?
你竟然比我先出庭供证 我应该嫉妒你吗？ Should I be jealous you get to testify first?
何必呢？ No, man.
我只是主谋登场前出来暖场的小辈 I'm just a warm-up act for the criminal mastermind to follow.
那他们可要失望透了 Well, they gonna be disappointed as hell
毕竟我打算把所有责任都推给你 because I plan to blame all this shit on you.
该死的 我也有这个打算 Damn. That was my plan too.
你知道吗？第一次见到你时 You know, when I first laid eyes on you,
我以为你是个保守拘谨、不懂变通的黑人 I thought you were this uptight, square-ass Negro
照着镜子都看不到 who wouldn't know whitey's hand was 'round his neck
白人用手掐住了自己的颈项 if he was staring at it in a mirror.
很高兴你对我的第一印象这么好 Glad I made such a good first impression.
结果 Turns out,
你竟然是个不折不扣的革命者 you a goddamn revolutionary.
你知道吗？我第一次见到你时 You know, when I first met you,
以为你是个玩世不恭的花花公子 I thought you were an entitled playboy clown.
天啊 Man,
没想到你老早就看清这些事了 you saw things years before I did.
就连我是什么人 Even about myself,
你在短短五分钟内就看清了 five minutes after meeting me.
委员会传召伯纳德盖瑞特上庭供证 Committee calls Bernard S. Garrett to testify.
他的眼镜在你身上吗？他没戴眼镜 Do you have his glasses? He doesn't have his glasses.
他不用戴眼镜 He doesn't need 'em.
他要宣读开案陈词 He's got to read his opening statement.
他向来都不需要戴眼镜 He doesn't need his glasses. He never has.
盖瑞特先生 我相信你了解个中轻重 Mr. Garrett, I think you understand the stakes.
我们马上听你供证 We'll take your statement now.
主席 Mr. Chairman.
美国独立宣言写明“人皆生而平等” Our nation's founding documents declare that "all men are created equal"
主张建立一个和谐社会 and endeavor to create a society
人人都得以平等地受到法律保护 where citizens receive the equal protection of our laws.
这是一个伟大的目标 It's a noble goal.
但我们心知肚明 对许多百姓来说这是个谎言 But we all know, for many citizens it's a lie.
这场听证会原本旨在 This hearing is supposed to be
揭露和修正银行业务弊端 about uncovering and reforming unsafe banking practices.
但我认为其实是要探讨 But I think it's really about
两个黑人到底怎么买下 一家位于德州的银行 how on earth did two black men pull off owning a bank in Texas.
盖瑞特先生 请你谨慎供证 Mr. Garrett, I think you should tread carefully now.
我大可长篇大论 Well, I can talk at length about that.
也可以用这个东西做出总结 Or I can sum it up with this.
衣着守则 The dress code.
盖瑞特先生 这是在扰乱法庭秩序 Mr. Garrett, you are out of order, sir.
- 我还没说完 - 这是扰乱秩序 - I'm not finished. - Out of order.
没有贷款 就不能买房 If you can't get a loan, you can't own a home.
不能创业 You can't start a business.
盖瑞特先生 我们警告你了 Mr. Garrett, you have been warned.
- 意即不能创造财富 - 盖瑞特先生 - Which means you can't build wealth. - Mr. Garrett!
也自然被迫排除在“美国梦”之外 And you're excluded from the American dream.
纠仪长 马上带走证人 Sergeant-at-arms, remove the witness.
你们为什么硬要将某个种族 Why is it so important to you to exclude an entire race of people
排除在“美国梦”之外？ from the American dream?
（麦克莱伦举办的听证会结束后）
（伯纳德盖瑞特和乔尔莫瑞斯的产业 被联邦政府充公）
（导致两人财产大幅度缩减）
（1965年 在德州 由白人组成的陪审团）
（宣判两人滥用银行资金罪名成立）
（判处在联邦监狱服刑三年）
（盖瑞特和莫瑞斯 原本持有的177栋建筑物）
（尤妮丝只成功保留一栋）
（在她名下的建筑物）
（小罗伯特弗洛伦斯 在联邦存款保险公司的安排下）
（收购了大陆银行）
（收购价远低于当时）
（伯纳德和乔尔 从弗洛伦斯父亲那里买入的价格）
（警告 禁区）
就知道他们会先放你出来 Figures they'd let you out before me.
他们等不及要赶我出来了 Man, they couldn't wait to get rid of my ass.
我们回家吧 Let's go home.
房子都被充公了 忘了？ They took 'em all, remember?
那我们去其他地方吧 Well, let's go somewhere.
你们在笑什么？ What are you two laughing about?
他们没有没收全部房产 They didn't take all of 'em.
他们不知道我们在巴哈马买了两间 They didn't know about the two we bought next door to each other
毗邻的房子 in the Bahamas.
什么？ What?
伯纳德 你是怎么办到的？ Bernard, how did you do that?
马修出庭供证的前一天打给我 Matt called me the night before he testified.
他也很难过 He was pretty broken up.
喂？ Hello?
我是马修 It's Matt.
可以聊聊吗？ Can we talk?
他说如果他不照着他们的指示供证 He told me he was facing 50 years in prison
可能就会面临50年有期徒刑 if he didn't say what they wanted him to say.
我叫他该做什么就去做 I told him to do what he had to do,
但鉴于政府还没充公我们所有的财产 but since the government hadn't taken all of our money yet,
我叫帮我们做一件事 I asked him to do me a favor.
（伯纳德和乔尔出狱后 开始在巴哈马重建财力）
（之后搬回美国居住）
（他们先前在白人区 买下的住宅型建筑物）
（让他们成为了）
（对抗洛杉矶居住隔离制度的重要人物）
（在参议院听证会上供证后时隔三年）
（国会通过了1968年公平住房法案）
（禁止在住房销售和租赁中）
（存在种族、宗教及性别歧视）
（银行大楼 南希尔路629号）
（乔尔莫瑞斯的种植园俱乐部 加州最大的哈林夜总会）
（此路只允许白人通行）
（谨以此片献给KC）