何必: there is no need, why should...
长效: to be effective over an extended period...
抵押: to provide (an asset) as security for a loan, to put up collateral...
驳回: to reject, to turn down, to overrule...
不成: won't do, unable to, (at the end of a rhetorical question) can that be?...
说起来: to speak, to mention...
线索: trail, clues, thread (of a story)...
起劲: vigorously, energetically, enthusiastically...
总共: altogether, in sum, in all, in total...
转变: to change, to transform, shift, transformation...
