A well-designed deposit insurance system can prevent bank runs without creating excessive moral hazard.
设计良好的存款保险制度可以防止银行挤兑，同时不会造成过度的道德风险。
It looks like a solitary sport, but it takes a team.
Collaboration is key to solving complex problems.
Every story is a journey, and every journey changes us.
The key to performance is elegance, not battalions of special cases.
To be a writer is to be a watcher, a listener, a recorder.