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存款保险改变了银行和储户的行为。
Deposit insurance changes the behavior of both banks and depositors.
言多必失,要谨言慎行,不要盲目争强好胜。  
The act of writing is an act of optimism. You would not take the trouble to do it if you felt it didn't matter.
我们相信创新的力量能够驱动可持续增长。
"In times of change, the ability to pivot quickly is crucial."