不良贷款率怎么算？
为下面的文章标题写一篇中等长度的英文文章
内容：如今，我们的物质生活越来越发达。有史以来，最宏伟的建筑工程正在迅速地改造着人类的栖息地。然而，这一壮观的景象同时也被无处不在的卡车司机们见证着。
The U.S.Congress in 1956 approved a law that made it the duty of all states to develop and implement a plan of integration between their public school systems and institutions of higher education.The law passed after years of debate on whether people of color received fair and equal treatment in local school districts.
许多年以后，当历史学家再次谈起这一事件时，他们将会指出，这一重大改革的历史意义绝不在于它的直接后果。因为对于卡车司机和他们的老板们，1954年的时间表并没有带来太多变化。事实上，它相当于一个指令：赶快把一切做得无懈可击，好让白人们放心。
The irony is that during the same years when the U.S.was fighting a racial war and trying to integrate its schools， a different struggle for fairness and fairness alone was also raging.It was happening within the frame of the new Civil Rights Act of 1964.But the struggle came out of nowhere in 1968.
在卡车的挡风玻璃后面，一些司机在奋力攀登人生的阶梯，还有一些司机却在努力维持现状。每年，都有不同寻常的67，000名卡车司机进入这个行业。他们中的许多人是二代司机，他们继承了父亲的的职业。对于其他人来说，卡车司机是那个你可以得到的最好的工作。这工作报酬极高，要求又不甚严格。进入这个行当的初始成本是一辆车，一个驾照，和一些耐心。
The cost of a typical 10-15-ton truck ranges between $32，000 and $45，000.The driver must have a CDL（Commercial Dray Licenses）.Training usually lasts a few weeks.
The starting pay of a truck driver is poor， usually between 50 cents and $1.50 a mile，or $500-1，200 per week.But if this is all you have to start with，the outlook is better than with other types of work.
Trucking is a job where you improve your situation over time.I know truckers—many of them—whose sons and daughters now drive with them.
要成为一名卡车司机，你必须遵守一些非常严格的规则。不过，新加入的司机常常忽略这些规定。他们觉得这些规定过分讲究了。然而在这些规章制度的背后是一个更为宽松的原则：安全。这条原则规定：在不威胁到他人安全的情况下，不要让政府管太多你的事。
When truck drivers break the law，it usually involves drinking--and more often than not，they're drunk.But in their defense，they may say that they were the ones who were raped and robbed and beat up.Trucks--and their drivers--are often targets.
也许这就是现实。不过对于想要进入这一行的新手，我还要多说几句。你应该记住的是，每一个卡车司机都是自己的老板。所以你要准备好应对任何事情，从你生意的成功到被醉鬼开车从旁边撞过去，还有联邦贸易委员会对你进行的调查。
如今，50万卡车司机正行驶在美国的道路上。而在那些路上，新的规则正在制定，旧的规则正在取消。每个企业都有每个企业的主张，所以，对于那些想要成为卡车司机的人来说，永远也不要放弃你的梦想。因为如果没有了梦想，人生真的就如同行尸走肉般没有意义。