<prompt> tafsiri zifuatazo kutoka kwa swahili hadi kiingereza.all in all wewe mwenyewe ndiye unayetakiwa kufanya cost-benefit analysis ya kutosha kwa kuwa inawezekana kuna mambo mengi unayoyajua hujayaweka bayana hapa.  <response>: it is crucial that you learn everything you can about payday loans, because there are a lot of misconceptions about them floating around. 