I wonder if there's a good translation in English for the phrase "et encore,...".
It is a very common French phrase used mostly in "[This bad thing happened] et encore [if it hadn't been for this other thing, it would have worse]
Il a dû payer 200 euros de réparations de voiture, et encore, il a eu une remise.
He had to pay 200 euros to repair his car, [et encore] he had a discount
Elle est arrivée vingt minutes en retard, et encore, elle a trouvé tout de suite la salle de réunion.
She arrived twenty minutes late [et encore] she found the meeting room straight away
It is maybe not very formal.