In this task, given a sentence in English Tokens, your task is to convert it into the English language

This makes it difficult -- and risky -- to underwrite , and price , the loan based solely on the borrower 's credit-worthiness at the time of application [ for the card ] . ''
This makes it difficult — and risky — to underwrite, and price, the loan based solely on the borrower's credit-worthiness at the time of application [for the card]."