金融与科技的融合应着眼于解决实际问题，而非单纯追求新奇。

The only thing we have to fear is fear itself.

At that age， I'd take any excuse to make estimates and do minor arithmetic. I'd calculate our gas mileage -- figure out useless statistics on things like grocery spending. I'd been hearing an ad campaign about smoking. I can't remember the details， but basically the ad said， every puff of a cigarette takes some number of minutes off of your life: I think it might have been two minutes per puff. At any rate， I decided to do the math for my grandmother. I estimated the number of cigarettes per days， estimated the number of puffs per cigarette and so on. When I was satisfied that I'd come up with a reasonable number， I poked my head into the front of the car， tapped my grandmother on the shoulder， and proudly proclaimed， "At two minutes per puff， you've taken nine years off your life！"

称王天下的国家，民众富有；称霸天下的国家，谋士富有；勉强存在的国家，大臣富有；丧失王道的国家，仓库富有。点评：贞观二年，唐太宗让有关部门去清点隋朝国库留下的物资。等数字报上来后，太宗大为惊讶。原来，「隋文（帝）不怜百姓而惜仓库，比至末年，计天下储积，得供五六十年……」