Deposit insurance changes the behavior of both banks and depositors.

All mankind is in a perpetual and restless desire for power after power that ceaseth only in death.

成功电影制作的关键是永远不要忘记你试图讲述的故事。

Your smarts will come in handy because you will travel in a land of marvels. We humans -- plodding as we are -- will astonish ourselves. We'll invent ways to generate clean energy and a lot of it. Atom by atom， we'll assemble tiny machines that will enter cell walls and make repairs. This month comes the extraordinary but also inevitable news that we've synthesized life. In the coming years， we'll not only synthesize it， but we'll engineer it to specifications. I believe you'll even see us understand the human brain. Jules Verne， Mark Twain， Galileo， Newton -- all the curious from the ages would have wanted to be alive most of all right now. As a civilization， we will have so many gifts， just as you as individuals have so many individual gifts as you sit before me.

Customer trust is hard to earn and easy to lose—guard it fiercely.

社会进步需要个体自由与社会责任的有机结合。