There is, I believe, in every disposition a tendency to some particular evil, a natural defect, which not even the best education can overcome.

资本资产定价模型并非旨在成为资本市场的实证均衡理论，而是一种规范性理论，描述如果投资者以某种方式行事，价格应如何表现。

未来可以通过现在的行动改变。