行为金融学告诉我们，投资者并不总是理性的，市场也不总是有效的。

Society can and does execute its own mandates， and if it issues wrong mandates instead of right， or any mandates at all in things with which it ought not to meddle， it practices a social tyranny more formidable than many kinds of political oppression， since， though not usually upheld by such extreme penalties， it leaves fewer means of escape， penetrating much more deeply into the details of life， and enslaving the soul itself.

计算机是最终的污染者：其粪便与所生产的食物没有区别。