大多数人不是为了理解而听，而是为了回答而听。

The trouble with most people is that they think with their hopes or fears or wishes rather than with their minds.

Safety isn't a cost—it's an investment in our most valuable resource: people.

The way positive reinforcement is carried out is more important than the amount.

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。