1. It is also being paid for by raising debt for which the union as a whole is jointly liable.
 

as a whole 总体上
 

The rich benefited from the reforms, not the country as a whole.
 

富人而不是全体国民得益于这些改革。
 

2. By the end of next year, only a quarter of the fund will have been disbursed.
 

by the end of 在…尽头
 

The way things are going the company will be bankrupt by the end of the year.
 

从事态发展的情况看，到年底公司就得破产。
 

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