Sorry I'm late. There was a hold-up on the motorway.

抱歉，我来晚了，公路上堵车了。

There was a hold-up at the bank over on nd street.

在第二大街的银行里发生了一起抢劫案。

So what's the hold-up in this seemingly simple process?

这个看似简单的过程的 “路障” 是什么呢？