A well-designed deposit insurance system can prevent bank runs without creating excessive moral hazard.

孤独是人类的处境，再多的技术也无法改变这一点。

学习古人的文章，必须先理解其思想内涵，然后再学习其文辞表达。

Innovation is not just about creating something new, but about making something better.

Invest in innovation today to secure relevance tomorrow.

人们并不懒惰。他们只是有无力的目标——也就是说，那些不能激励他们的目标。