cadangan lengkap = 完整建议。有效方案包括可实行的频率、营养条件和检查结果的方法。例子：先试行每周三天自备午餐，再比较支出。注意：节俭不是停止购买所有食物，而是减少不必要费用。

cadangan lengkap = complete proposal. A sound plan includes a workable frequency, a nutrition condition and a way to review results. Example: try bringing lunch three days a week, then compare spending. Watch out: saving does not mean stopping all food purchases; it means reducing unnecessary cost.

inferens daripada langkah = 从步骤推论。先充值才付款，合理推论是使用前检查余额并规划金额。例子：余额不足可能使交易无法完成。注意：课文没有说明应用程序会自动提供无限资金。

inferens daripada langkah = inference from a step. If value must be added before payment, a reasonable inference is to check the balance and plan the amount. Example: insufficient balance may prevent a transaction. Watch out: the passage does not say that an application supplies unlimited money automatically.

rahsia PIN = 密码保密。密码用于确认交易，因此外泄可能让别人冒充使用者批准付款。例子：银行或电子钱包的正式人员也不会要求你在聊天中发送密码。注意：密码不是商品价格资料。

rahsia PIN = PIN secrecy. A PIN confirms a transaction, so exposing it may let someone impersonate the user and approve payment. Example: legitimate bank or e-wallet staff should not ask for a PIN in a chat. Watch out: a PIN is not information that sets product prices.

tolak dan lapor = 拒绝并报告。佣金换取账户收款是钱骡风险，应停止分享资料并从可信任成人或银行取得帮助。例子：保存截图可协助说明发生了什么。注意：不要为了调查而自行完成可疑转账。

tolak dan lapor = refuse and report. Commission for receiving money is a mule-account warning, so stop sharing details and seek help from a trusted adult or bank. Example: keeping a screenshot may help explain what occurred. Watch out: do not complete a suspicious transfer in an attempt to investigate it yourself.

maksud pantun = 班顿意义。意义行直接传达主题，这里应出现储蓄、紧急情况和家庭准备。例子：Nasihat diikuti manfaat 会让两行意义互相补充。注意：鸟和花的画面适合引子，但没有说明财务计划。

maksud pantun = pantun meaning. A meaning line directly carries the topic, so it should mention saving, emergencies and family preparedness. Example: advice followed by its benefit makes the two meaning lines support each other. Watch out: bird and flower images suit a pembayang but do not state a financial plan.

pemeri sebelum frasa nama = 名词词组前的系词。usaha menyusun… 是名词词组，所以使用 ialah。例子：Simpanan ialah dana yang diketepikan。先找中心词，就能辨认后面是不是名词词组。注意：adalah 通常接形容词或介词词组，sedang 则是助动词。

pemeri sebelum frasa nama = copular word before a noun phrase. Usaha menyusun… is a noun phrase, so ialah is correct. Example: Simpanan ialah dana yang diketepikan. Watch out: adalah normally precedes an adjective or prepositional phrase, while sedang is an auxiliary.

penguat hadapan = 前置程度副词。terlalu 放在形容词 mahal 前面，表示超过适当程度。例子：paling penting 和 agak sukar 也属于前置。注意：sekali 与 nian 在所给例子中属于后置程度副词。

penguat hadapan = preposed intensifier. Terlalu comes before the adjective mahal and marks an excessive degree. Example: paling penting and agak sukar are also preposed. Watch out: sekali and nian are postposed intensifiers in the examples given.

urutan aspek = 时态顺序。telah 表示开户已经完成，sedang 表示现在持续储蓄。例子：akan menyemak 指未来才进行。注意：mesti 与 boleh 表示必要和能力，不能准确对应“已经”和“如今”。

urutan aspek = aspect sequence. Telah marks the completed account opening, while sedang shows saving that is now in progress. Example: akan menyemak refers to a future review. Watch out: mesti and boleh express necessity and ability rather than the meanings already and now.