存款保险改变了银行和储户的行为。

Challenges are opportunities in disguise; embrace them with courage.

A sober looks shows that just have the world gotten to be a better place after all; it is also grown a bit worse at the exact same rate.; a one step up, a one step back sort of cosmic balance between forward progress, and cultural retreat, that puts man kind on a bell curve of existence.

有两种可能的结果：如果结果证实了假设，那么你做了一个测量。如果结果与假设相反，那么你有了一个发现。