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DanGilbert_2005G-_我们错误的期望值_
We all make decisions every day; we want to know what the right thing is to do -- in domains from the financial to the gastronomic to the professional to the romantic . 大家每天都在做决定;谁都想知道 如何做正确的事情--无论是金融、 烹饪,还是职业、爱情方面
domains:n.域,域名;领域;网域(domain的复数形式); financial:adj.金融的;财政的,财务的; gastronomic:adj.烹任学的;美食法的; professional:adj.专业的;职业的;职业性的;n.专业人员;职业运动员; romantic:adj.浪漫的;爱情的;n.浪漫的人;耽于幻想的人;
And surely, if somebody could really tell us how to do exactly the right thing at all possible times, that would be a tremendous gift. 那么,如果有人能指导我们 每次都做对 那将是一个非常了不起的才能
tremendous:adj.极大的,巨大的;惊人的;极好的;
It turns out that, in fact, the world was given this gift in 1738 by a Dutch polymath named Daniel Bernoulli. 其实,早在1738年世人就见识过了拥有这项才能的人 他是荷兰学者Daniel Bernoulli
Dutch:adj.荷兰的; n.荷兰人; v.费用平摊地; polymath:n.博学的人;adj.博学的;
And what I want to talk to you about today is what that gift is, and I also want to explain to you why it is that it hasn't made a damn bit of difference. 今天我们就来讲这是怎样一种才能 我还会告诉你为什么即使知道其中的道理 也不会事事顺利
damn:v.谴责;该死;n.诅咒;adj.可恶的;
Now, this is Bernoulli's gift. This is a direct quote . 这就是Bernoulli的思路,原始的表述
quote:v.引用;报价;举例说明;开价;为(企业的股份)上市;n.引用;
And if it looks like Greek to you, it's because, well, it's Greek. 如果这看起来像希腊字母一样,是因为,嗯,这确实是希腊字母。
But the simple English translation -- much less precise , but it captures the gist of what Bernoulli had to say -- was this: 翻译成英语--没有原文那样的精确 但基本上诠释了Bernoulli的主要思想,那就是
precise:adj.准确的;确切的;精确的;明确的; captures:v.俘虏;捕获;攻占;夺得;争得;(capture的第三人称单数) gist:n.主旨,要点;依据;
The expected value of any of our actions -- that is, the goodness that we can count on getting -- is the product of two simple things: the odds that this action will allow us to gain something, and the value of that gain to us. 我们任何行为的预估价值 或者说能得到的好处 是两样东西的乘积 一个是成功的概率 另一个是成功所带来的价值
odds:n.几率;胜算;不平等;差别;
In a sense , what Bernoulli was saying is, if we can estimate and multiply these two things, we will always know precisely how we should behave . 从某种程度上说,Bernoulli想表达的是 如果我们能预估这两个因素并将其相乘 我们总能知道怎样去做
In a sense:在某种意义上; estimate:v.估计;估算;估价;n.估价;(对大小、数量、成本等的)估计;估计的成本; multiply:vt.乘; vi.乘; v.多样地; adj.多层的; behave:v.表现;(机器等)运转;举止端正;(事物)起某种作用;
Now, this simple equation, even for those of you who don't like equations , is something that you're quite used to. 而这个简单的等式,即使对于你们中间 不喜欢等式的人来说,也是非常容易理解的
equations:n.方程式;等式;均等;均势(equation的复数形式);
Here's an example: if I were to tell you, let's play a little coin toss game, and I'm going to flip a coin, and if it comes up heads, I'm going to pay you 10 dollars, 举个例子:假如我告诉你 我们来猜硬币,我扔一枚硬币 人头朝上,我输你10美元
toss:v.扔,抛,掷;甩(使)摇摆,挥动,颠簸;摇匀;n.掷硬币决定;向上甩头;投掷 flip:n.浏览;空翻;轻抛;捻掷;v.迅速翻动;按(开关);按(按钮);开(或关)(机器等);
but you have to pay four dollars for the privilege of playing with me, most of you would say, sure, I'll take that bet . Because you know that the odds of you winning are one half, the gain if you do is 10 dollars, that multiplies to five, and that's more than I'm charging you to play. So, the answer is, yes. 但你必须先付给我4美元来玩儿 很多人会说,好啊,我跟你玩。因为你知道 你有50%的赢面,而赢了能得到10美元 两者相乘得5,要比你付的4美元多 所以当然要玩儿
privilege:n.特权;优待;v.给与…特权;特免; bet:n.打赌;赌注;预计;估计;v.下赌注(于);用…打赌;敢说;八成儿; multiplies:乘;繁殖;
This is what statisticians technically call a damn fine bet. 统计学家们称之为“完美赌局”
statisticians:n.统计学家,统计员;
Now, the idea is simple when we're applying it to coin tosses , but in fact, it's not very simple in everyday life. 在丢硬币的游戏中道理是很简单的 然而在日常生活中就没那么简单了
applying:v.申请,请求;使用;应用;(apply的现在分词) tosses:v.扔,抛,掷;(使)摇摆,挥动,颠簸;(toss的第三人称单数)
People are horrible at estimating both of these things, and that's what I want to talk to you about today. 人们估计这两件事情的水平都很差 这正是我今天要讲的
horrible:可怕的,极讨厌的, estimating:v.估价;估算;(estimate的现在分词)
There are two kinds of errors people make when trying to decide what the right thing is to do, and those are errors in estimating the odds that they're going to succeed, and errors in estimating the value of their own success. 人们做决策时 会犯两种错误 即错误地估算成功的概率 和错误地估算成功的价值
Now, let me talk about the first one first. 我们先说第一种错误
Calculating odds would seem to be something rather easy: there are six sides to a die, two sides to a coin, 52 cards in a deck . 计算成功的概率貌似比较容易 1个骰子6个面、一个硬币2个面,一叠扑克52张
deck:n.甲板;舱面;层面;一副(为52张);v.装饰;打扮;布置;用力击倒;
You all know what the likelihood is of pulling the ace of spades or of flipping a heads. 谁都知道抽到黑桃A的概率 或者丢硬币人头朝上的概率
likelihood:n.可能性,可能; spades:v.用铲挖(spade的三单形式);n.锹;铲;(纸牌中的)黑桃;(spade的复数) flipping:v.该死; v.(使)快速翻转; (flip的现在分词)
But as it turns out, this is not a very easy idea to apply in everyday life. That's why Americans spend more -- 然而事实证明,具体情况下似乎没有那么简单 这也就是为什么美国人在赌博上的花费
I should say, lose more -- gambling than on all other forms of entertainment combined. 更确切地说是赌博输掉的钱 比其它所有娱乐活动花费总和还多
gambling:n.赌博;投机;v.赌博;打赌;(gamble的现在分词)
The reason is, this isn't how people do odds. 其原因就是,概率并不是人们计算的那样
The way people figure odds requires that we first talk a bit about pigs. 人们如何计算概率呢？ 说到这里我们先要讨论一个关于猪的问题
Now, the question I'm going to put to you is whether you think there are more dogs or pigs on leashes observed in any particular day in Oxford. 这个问题就是,你们觉得 任意一天,在牛津镇上被链子拴着的狗更多 还是猪更多？
leashes:n.绳套;套子;系狗的皮带(leash的复数形式);v.束缚(leash的三单形式); observed:adj.观察的;观测的;v.观察;遵守;注意到(observe的过去分词形式);
And of course, you all know that the answer is dogs. 你们都会说:当然狗更多
And the way that you know that the answer is dogs is, you quickly reviewed in memory the times you've seen dogs and pigs on leashes. 大家得出这个狗比猪多的结论是因为 你们迅速回忆以前 曾经见过的被拴着的狗和猪
reviewed:v.复习;评估;评论;检讨;(review的过去分词形式)
It was very easy to remember seeing dogs, not so easy to remember pigs. And each one of you assumed that if dogs on leashes came more quickly to your mind, then dogs on leashes are more probable . 很容易就想起见过狗 好像没怎么见过猪。所以便假设 既然能快速地想起见过狗 应该是被拴着的狗更多些
assumed:adj.假定的;假设的;v.假定;假设;认为;承担;(assume的过去分词和过去式) probable:adj.很可能的;可信的;n.很可能的事;大有希望的候选者;
That's not a bad rule of thumb , except when it is. 凭经验判断通常是对的,但这次你错了
rule of thumb:手工业方式;靠经验估计;经验法则;拇指规则;单凭经验来做的方法;
So, for example, here's a word puzzle . 再拿猜字游戏举个例子
puzzle:n.谜;疑问;智力游戏;不解之谜;v.迷惑;使困惑;
Are there more four-letter English words with R in the third place or R in the first place ? 哪种4个字母的单词更多？ R在第三个还是R在第一个
four-letter:adj.下流的;庸俗的;使用四字母忌讳词的; in the first place:首先;起初;
Well, you check memory very briefly , make a quick scan, and it's awfully easy to say to yourself, Ring, Rang, Rung , and very hard to say to yourself, Pare , Park: they come more slowly. 你又迅速回忆 很容易想到 Ring,Rang,Rung 很难回忆出,Pare, Park,至少要慢很多
briefly:adv.简要地;简短地;暂时地; awfully:adv.非常;极其; Rung:n.横档,脚蹬横木;地位;v.给…打电话(ring的过去式和过去分词); Pare:vt.消减;削皮;剪;修掉(边等);
But in fact, there are many more words in the English language with R in the third than the first place. 但实际上,在英文中更多的是 第三个字母是R的单词
The reason words with R in the third place come slowly to your mind isn't because they're improbable , unlikely or infrequent . 想到这些单词要慢一些 并不是因为它们不重要、不常见
improbable:adj.不大可能的,未必确实的;不可信的; unlikely:adj.不大可能发生的;非心目中的;非想象的;难以相信的; infrequent:adj.罕见的;稀少的;珍贵的;不频发的;
It's because the mind recalls words by their first letter. 而是因为我们的大脑是根据首字母忆单词的
recalls:vt.召回;回想起,记起;取消;n.召回;回忆;撤消;
You, kind of shout out the sound, S -- and the word comes. 你发出一个S音,就能想起一大串单词来
It's like the dictionary; it's hard to look things up by the third letter. 就像字典一样 而根据第3个字母去查单词往往很难
So, this is an example of how this idea that the quickness with which things come to mind can give you a sense of their probability -- how this idea could lead you astray . It's not just puzzles , though. 所以这是一个例子 大脑的反应速度 能暗示你概率的大小 这个结果将把你引向错误的道路。不仅仅是填字游戏
quickness:n.急速,迅速;尖锐化; probability:n.可能性;机率;[数]或然率; astray:adv.误入歧途地;迷途地;迷路;adj.迷路的;离开正道的;不对头的; puzzles:智力游戏;谜题(puzzle的第三人称单数和复数)
For example, when Americans are asked to estimate the odds that they will die in a variety of interesting ways -- these are estimates of number of deaths per year per 200 million U.S. citizens. 例如,曾在美国人中做过调查,要求他们预测 各种各样匪夷所思死法发生的几率 估计每年 每2亿美国人当中的死亡人数
variety:n.多样;种类;杂耍;变化,多样化; estimates:n.估计;估价;估计的成本;v.估价;估算(estimate的第三人称单数和复数)
And these are just ordinary people like yourselves who are asked to guess how many people die from tornado , fireworks , asthma , drowning , et cetera . 这些被调查者都是跟你我一样的普通人 猜测因为以下原因死亡:飓风、烟火、哮喘、溺水的人数
tornado:n.[气象]龙卷风;旋风;暴风;大雷雨; fireworks:n.烟花;烟火表演;激烈的言辞;令人激动的行动;(firework的复数) asthma:n.[内科][中医]哮喘,气喘; drowning:v.溺水;淹没;淹死,溺死;浸泡;(drown的现在分词) et cetera:na.以及其他;
Compare these to the actual numbers. 然后和真实发生的数据对比
Compare:v.比较;对比;n.比较;
Now, you see a very interesting pattern here, which is first of all , two things are vastly over-estimated, namely tornadoes and fireworks; two things are vastly underestimated : dying by drowning and dying by asthma. Why? 一个非常有意思的现象出现了,首先 两项数据大大超过实际值:飓风和烟火 两项数据又被大大地低估了 即死于溺水和哮喘病,为什么呢？
first of all:adv.首先; vastly:adv.极大地;广大地;深远地; namely:adv.也就是;即是;换句话说; tornadoes:n.[气象]龙卷风(tornado的复数); underestimated:v.低估;对…估计不足;轻视(underestimate的过去分词和过去式)
When was the last time that you picked up a newspaper and the headline was, "Boy dies of Asthma?" 你什么时候在报纸的头版上读到过 “男童死于哮喘”？
It's not interesting because it's so common. 这条新闻非常无趣因为它太常见了
It's very easy for all of us to bring to mind instances of news stories or newsreels where we've seen tornadoes devastating cities, or some poor schmuck who's blown his hands off with a firework on the Fourth of July . 而大家却很容易想起来 曾经看过的电视或者新闻中报道 飓风摧毁城市,或者某个倒霉鬼 在国庆日被烟火蹦掉了脑袋
instances:n.相依物体,例子; v.举例说明(instance的第三人称单数形式); newsreels:n.新闻汇辑(newsreel的复数); devastating:adj.毁灭性的; v.毁灭; (devastate的现在分词) schmuck:n.笨人; Fourth of July:n.美国独立纪念日(纪念美国于1776年7月4日独立);
Drownings and asthma deaths don't get much coverage . 因为对溺水、哮喘报道的不多
Drownings:v.淹没;(使)[外科]淹溺;浸没(drown的ing形式);n.溺死;adj.溺水的; coverage:n.覆盖,覆盖范围;
They don't come quickly to mind, and as a result , we vastly underestimate them. 在头脑中印象不深,所以 我们大大低估了这些东西
as a result:结果;
Indeed, this is kind of like the Sesame Street game of "Which thing doesn't belong?" And you're right to say it's the swimming pool that doesn't belong, because the swimming pool is the only thing on this slide that's actually very dangerous. 实际上,这就好像“芝麻街”游戏中 “以下哪个选项与其他不同？”的问题,你觉得 游泳池跟其它的都不一样,因为游泳池 其实是最最危险的东西！
Sesame:n.芝麻; swimming pool:n.游泳池;游泳场;游泳馆;
The way that more of you are likely to die than the combination of all three of the others that you see on the slide. 你们在游泳池中死亡的概率 比其它三个的总和还多
combination:n.结合;组合;联合;[化学]化合;
The lottery is an excellent example, of course -- an excellent test-case of people's ability to compute probabilities . 买彩票是一个绝佳案例—这是测试人们计算概率能力的 一个极好的例子
lottery:n.彩票;碰运气的事,难算计的事;抽彩给奖法; compute:vt.计算;估算;用计算机计算;vi.计算;估算;推断;n.计算;估计;推断; probabilities:可能性;[统计]概率(probability的复数);
And economists -- forgive me, for those of you who play the lottery -- but economists, at least among themselves, refer to the lottery as a stupidity tax, because the odds of getting any payoff by investing your money in a lottery ticket are approximately equivalent to flushing the money directly down the toilet -- which, by the way , doesn't require that you actually go to the store and buy anything. 经济学家--你们中间买彩票的人请原谅我这么说-- 至少经济学家们,认为买彩票是一种 为愚蠢交的税,因为买彩票 中大奖的几率 几乎和你直接用马桶 把钱冲掉是一样的 起码这样还不用你费力跑到商店去买一下
forgive:v.原谅;免除(债务,义务等); refer:v.参考;涉及;提到;查阅; stupidity:n.愚蠢;糊涂事; payoff:n.报酬;结果;发工资;结算;adj.支付的;决定性的;产生结果的; investing:v.投资;投入(时间、精力等);(invest的现在分词) approximately:adv.大约,近似地;近于; equivalent:adj.等价的,相等的;同意义的;n.等价物,相等物; flushing:n.洗涤;抽水冲洗;出渣;洒水;v.发红;脸红;冲洗干净;(flush的现在分词) directly:adv.直接地;立即;马上;正好地;坦率地;conj.一…就; by the way:顺便说一下;
Why in the world would anybody ever play the lottery? 究竟为什么还有人买彩票呢？
Well, there are many answers, but one answer surely is, we see a lot of winners. Right? When this couple wins the lottery, or Ed McMahon shows up at your door with this giant check -- how the hell do you cash things that size, I don't know. 有很多种解释,很显然,但其中有一个一定是 我们看到了很多赢家,对吗？有一对夫妇中了头彩 或者Ed McMahon在你家门口,拿着巨大的一张支票 你想怎么花这一大笔钱呢？
giant:n.巨人;伟人;巨兽;adj.巨大的;特大的
We see this on TV; we read about it in the paper. 我们在电视里面看到过;在报纸上也看到过
When was the last time that you saw extensive interviews with everybody who lost? 但你什么时候看到大规模采访 买彩票输了的人？
extensive:adj.广泛的;大量的;广阔的; interviews:n.面试; v.对(某人)进行面试(或面谈);
Indeed, if we we required that television stations run a 30-second interview with each loser every time they interview a winner, the 100 million losers 实际上,如果我们要求电视台 在采访每个赢家的同时,对每位没有中彩的人来一个30秒的采访 那么这1亿位
losers:n.输者,败者:(loser的复数)
in the last lottery would require nine-and-a-half years of your undivided attention just to watch them say, "Me? I lost." "Me? I lost." 上一个彩票开奖后的输家将要花9.5年的时间 不间断地告诉你说: “我,输了”,“我,输了”……
undivided:adj.专心的; v.未分开(undivide的过去式和过去分词);
Now, if you watch nine-and-a-half years of television -- no sleep, no potty breaks -- and you saw loss after loss after loss, and then at the end there's 30 seconds of, "and I won," 如果你看了九年半的电视 不休不眠--看到一个接一个的输家 然后最后的30秒钟有一个“我,赢了！”
potty:adj.傻气的; n.便壶;
the likelihood that you would play the lottery is very small. 你买彩票的可能性就会小很多
Look, I can prove this to you: here's a little lottery. 现在我证明给你看:这里有一个彩票
There's 10 tickets in this lottery. 一共10张
Nine of them have been sold to these individuals . 其中的9张已经卖给了不同的人
individuals:n.[经]个人;[生物]个体(individual的复数);
It costs you a dollar to buy the ticket and, if you win, you get 20 bucks . Is this a good bet? 1张彩票1美元,如果你赢了 你将得到20美元,这个赌局怎么样？
bucks:n.元;雄鹿;(buck的复数)
Well, Bernoulli tells us it is: the expected value of this lottery is two dollars; this is a lottery in which you should invest your money. 那么按照Bernoulli的逻辑 这个彩票的期望回报是2美元 应该去买
And most people say, "OK, I'll play." 而且大多数人都会说“嗯,我要买”
Now, a slightly different version of this lottery: imagine that the nine tickets are all owned by one fat guy named Leroy. 现在我稍稍改变一下条件 设想其它9张彩票都卖给了 一个叫Leroy的胖子
slightly:adv.些微地,轻微地;纤细地;
Leroy has nine tickets; there's one left. Leroy有9张,还剩下1张
Do you want it? Most people won't play this lottery. 你买不买？大多数人不会买
Now, you can see the odds of winning haven't changed, but it's now fantastically easy to imagine who's going to win. 其实赢的几率并没有变 但很更容易看出谁会赢
fantastically:adv.想像中地;奇特地;难以置信地;
It's easy to see Leroy getting the check, right? 显然Leroy会赢,对吗？
You can't say to yourself, "I'm as likely to win as anybody," 你现在不敢说“我和其它人一样有机会赢”
because you're not as likely to win as Leroy. 显然你的赢面不可能和Leroy一样
The fact that all those tickets are owned by one guy changes your decision to play, even though it does nothing whatsoever to the odds. 所有彩票都被一个人买走的事实 改变了你的决定 即使这对概率丝毫没有影响
whatsoever:pron.无论什么;
Now, estimating odds, as difficult as it may seem, is a piece of cake compared to trying to estimate value: trying to say what something is worth, how much we'll enjoy it, how much pleasure it will give us. 估算概率也许看起来比较复杂,但是相对于 估算价值来说却是小巫见大巫了 估算价值即试图说出某样东西的价值,我们有多喜欢它 它给我带来多少快乐
a piece of cake:轻松的事; compared:adj.比较的,对照的; v.相比; (compare的过去式和过去分词)
I want to talk now about errors in value. 我想多谈谈估值的误差
How much is this Big Mac worth? Is it worth 25 dollars? 麦当劳的一个“巨无霸”值多少钱？值25美元吗？
Most of you have the intuition that it's not -- you wouldn't pay that for it. 大家的直觉都是“不值” 你不会花那么多钱去买它
intuition:n.直觉;直觉力;直觉的知识;
But in fact, to decide whether a Big Mac is worth 25 dollars requires that you ask one, and only one question, which is: 然而,决定一个“巨无霸”是否值25美元的前提 是你要问一个,只问一个问题:
What else can I do with 25 dollars? 我还能用这25美元做什么？
If you've ever gotten on one of those long-haul flights to Australia and realized that they're not going to serve you any food, but somebody in the row in front of you has just opened the McDonald's bag, and the smell of golden arches is wafting over the seat, you think, 如果你曾经坐过长时间飞机去澳大利亚 而且你知道飞机上不提供食物 当坐在你前排的人打开了一个 麦当劳的盒子,那诱人的香味 飘过椅背传到你鼻子里,你会觉得
long-haul:adj.长途的;长运距的;长时间的; arches:n.拱桥(arch的复数形式); v.用拱连接; wafting:v.(随风)飘荡;使飘荡;吹拂;(waft的现在分词)
I can't do anything else with this 25 dollars for 16 hours. 这16小时里25美元做不了其它事情
I can't even set it on fire -- they took my cigarette lighter! 我甚至不能把它烧掉——过安检的时候打火机被没收了:（
Suddenly, 25 dollars for a Big Mac might be a good deal. 突然间,花25美元买一个“巨无霸”汉堡是一笔划算的买卖
On the other hand , if you're visiting an underdeveloped country, and 25 dollars buys you a gourmet meal, it's exorbitant for a Big Mac. 反过来,如果你去一个贫穷国家 在那里25美元可以买一顿丰盛的晚餐,那么“巨无霸”汉堡就显得贵得离谱了
On the other hand:另一方面; underdeveloped:adj.不发达的; gourmet:n.美食家;菜肴精美的; exorbitant:adj.(要价等)过高的;(性格等)过分的;不在法律范围之内的;
Why were you all sure that the answer to the question was no, before I'd even told you anything about the context ? 为什么大家在我说出特定条件之间 都认为答案应该是“不”呢？
context:n.环境;上下文;来龙去脉;
Because most of you compared the price of this Big Mac to the price you're used to paying. Rather than asking, "What else can I do with my money," comparing this investment to other possible investments , you compared to the past. 因为大家在比较 从前买的“巨无霸”的价格,而不是问自己一个问题 “我还能用这些钱做什么” 与其它可能的消费比较,你比较的是“过去”
comparing:v.比较;对比;(compare的现在分词) investments:n.[经]投资,投资的财产;投资学;(investment的复数)
And this is a systematic error people make. 这是人们很容易犯的常规性错误
systematic:adj.系统的;体系的;有系统的;[图情]分类的;一贯的,惯常的;
What you knew is, you paid three dollars in the past; 25 is outrageous . 你心里想的是,你曾经花3美元买巨无霸,现在25美元简直是岂有此理
outrageous:adj.粗暴的;可恶的;令人吃惊的;
This is an error, and I can prove it to you by showing the kinds of irrationalities to which it leads. 这是错误的,我可以证明给大家 这个错误所引致的非理性行为
irrationalities:n.不合理,无理性;
For example, this is, of course, one of the most delicious tricks in marketing, is to say something used to be higher, and suddenly it seems like a very good deal. 例如,当然了 这是一个在市场营销中非常常见的把戏 告诉你一样东西曾经非常贵 然后马上这个东西就显得很值
When people are asked about these two different jobs: a job where you make 60K, then 50K, then 40K, a job where you're getting a salary cut each year, and one in which you're getting a salary increase, 我们做过一个试验,考察人们对两个工作的看法 一个工作承诺你第一年6万,然后5万,然后4万 这个工作每年都会减薪 而另一个工作则承诺你加薪
people like the second job better than the first, despite the fact they're all told they make much less money. Why? 人们会更希望得到第二个工作,即使 知道这个工作挣得少一些,为什呢？
despite:prep.尽管,不管;n.轻视;憎恨;侮辱;
Because they had the sense that declining wages are worse than rising wages, even when the total amount of wages is higher in the declining period. Here's another nice example. 因为他们觉得减薪比加薪糟糕 即使减薪期间的总收入更高。 另外一个例子
declining:v.减少;下降;衰弱;谢绝;婉言拒绝;(decline的现在分词) wages:n.[劳经]工资; v.开展(运动等)(wage的第三人称单数形式);
Here's a 2,000 dollar Hawaiian vacation package; it's now on sale for 1,600. 有一个2000美元的夏威夷度假产品,现在只卖1600美元
Hawaiian:adj.夏威夷的;夏威夷语的;n.夏威夷人;夏威夷语;
Assuming you wanted to go to Hawaii, would you buy this package? 假设你想去夏威夷,你会不会买这个产品？
Assuming:conj.假设…为真; adj.傲慢的; v.假定; (assume的现在分词)
Most people say they would. Here's a slightly different story: 2,000 dollar Hawaiian vacation package is now on sale for 700 dollars, so you decide to mull it over for a week. 大多数人是会的。现在稍稍改变一下 2000美元的夏威夷度假产品现在只卖700美元 你决定再考虑一个礼拜
mull:n.混乱;鼻烟壶;v.弄乱;粉碎;
By the time you get to the ticket agency , the best fares are gone -- the package now costs 1,500. Would you buy it? Most people say, no. 后来你去旅行社的时候,最好的价格已经没有了 现在需要1500美元。你会买么？很多人都会说:不会！
agency:n.代理,中介;代理处,经销处; fares:n.票价;[交]车费(fare的复数);照明弹;v.发生;进食;经历(fare的三单形式);
Why? Because it used to cost 700, and there's no way I'm paying 1,500 for something that was 700 last week. 为什么？因为曾经只卖700,而我绝不会花1500 买上周还是700的旅游产品
This tendency to compare to the past is causing people to pass up the better deal. In other words, a good deal that used to be a great deal is not nearly as good as an awful deal that was once a horrible deal. 这种”比较过去“的倾向 使人们放弃了很多好交易,换句话说 一个从前有更好价格的交易即使现在仍然是一个好交易,也不如 一个从前有更差价格的差交易能打动人。
tendency:n.倾向,趋势;癖好;
Here's another example of how comparing to the past can befuddle our decisions. 还有一个例子,说明“比较过去”如何 迷惑我们的眼睛
Imagine that you're going to the theater. 假设你要去剧场看节目
You're on your way to the theater. 去剧场的路上
In your wallet you have a ticket, for which you paid 20 dollars. 你钱包里有一张票,是花20美元买的
You also have a 20-dollar bill. 你还有一张20美金的纸币
When you arrive at the theater, you discover that somewhere along the way you've lost the ticket. 当你到达剧场的时候 发现票丢了
Would you spend your remaining money on replacing it? 你会花剩下的钱再去买一张么？
Most people answer, no. 很多人会说,不会！
Now, let's just change one thing in this scenario . 现在,我只改变一个条件
scenario:n.方案;情节;剧本;
You're on your way to the theater, and in your wallet you have two 20-dollar bills. 你在去剧场的路上 你钱包里有两张20美元
When you arrive you discover you've lost one of them. 到达剧场的时候发现丢了一张
Would you spend your remaining 20 dollars on a ticket? 你会不会拿剩下的20美元去买票？
Well, of course: I went to the theater to see the play. 当然会！我去剧院就是要看戏的。
What does the loss of 20 dollars along the way have to do? 跟我在路上丢没丢20美元没关系
Now, just in case you're not getting it, here's a schematic of what happened, OK? 如果你还没明白我的意思 还有另一种简单的解释
just in case:以防万一;作为准备; schematic:adj.图解的;概要的;n.原理图;图解视图;
(Laughter) （笑声）
Along the way, you lost something. 在路上,你丢了一样东西
In both cases, it was a piece of paper. 在两种情况下,这个东西都是一张纸
In one case, it had a U.S. president on it; in the other case it didn't. 一种情况下,这张纸上有美国总统头像,另一张纸没有。
What the hell difference should it make? 这到底有什么区别？
The difference is that when you lost the ticket you say to yourself, 区别就是,当你丢了票的时候,你会这样对自己说
I'm not paying twice for the same thing. 我不会为买样东西花双份的钱
You compare the cost of the play now -- 40 dollars -- to the cost that it used to have -- 20 dollars -- and you say it's a bad deal. 你将现在的花费--40美元 和原来20美元相比,会觉得不值
Comparing with the past causes many of the problems that behavioral economists and psychologists identify in people's attempts to assign value. 比较过去会导致很多问题 行为经济学家和心理学家认为这些问题 会影响人们对价值的估算。
behavioral:adj.行为的; psychologists:n.[心理]心理学家(psychologist的复数形式); identify:v.识别:鉴定:确认:发现: attempts:n.企图,试图;尝试(attempt的复数);v.试图;努力去做(attempt的三单形式); assign:v.指定;指派;转让;分派;n.[法]受让人;
But even when we compare with the possible, instead of the past, we still make certain kinds of mistakes. 但即使不”比较过去“,而去比较其它的可能 我们还是会犯类似的错误
make certain:弄清楚;弄确实;
And I'm going to show you one or two of them. 举几个例子
One of the things we know about comparison : that when we compare one thing to the other, it changes its value. “比较”有一个特点 当一样东西和另一样东西比较时,它的价值会改变
comparison:n.比较;对比;相比;
So in 1992, this fellow, George Bush , for those of us who were kind of on the liberal side of the political spectrum , didn't seem like such a great guy. 所以在1992年的时候,乔治布什,对于我们这些 政治上站在自由主义一边的人来说 他好像不是一个理想的人物
Bush:n.灌木; v.以灌木装饰; adj.如灌木般长得低矮的; liberal:adj.宽宏大度的; n.理解且尊重他人意见的人; spectrum:n.光谱;频谱;范围;余象;
Suddenly, we're almost longing for him to return. 突然间,我们又非常盼着他复出
(Laughter) 笑声
The comparison changes how we evaluate him. 比较改变了我们对他的看法
evaluate:v.评价;评估;估计;
Now, retailers knew this long before anybody else did, of course, and they use this wisdom to help you -- spare you the undue burden of money. 当然,零售商人们早就懂得这个道理 他们利用这一点使你 花更多的钱
retailers:n.零售商;零售店;(retailer的复数) wisdom:n.智慧;明智;才智;学问; spare:v.节约,吝惜;饶恕;分出,分让;adj.多余的;瘦的;少量的;n.剩余;备用零件; undue:adj.过度的,过分的;不适当的;未到期的; burden:n.负担;责任;船的载货量;v.使负担;烦扰;装货于;
And so a retailer, if you were to go into a wine shop and you had to buy a bottle of wine, and you see them here for 8, 27 and 33 dollars, what would you do? 当你走进一家红酒商店 要买一瓶红酒 你看到了红酒的价钱:8、27、33美元,你会怎样做？
Most people don't want the most expensive, they don't want the least expensive. 大多数人不会买最贵的 也不会买最便宜的
So, they will opt for the item in the middle. 所以他们选择价格适中的
opt:vi.选择; item:n.条款,项目;一则;一件商品(或物品);adj.又,同上;
If you're a smart retailer, then, you will put a very expensive item that nobody will ever buy on the shelf, because suddenly the 33-dollar wine doesn't look as expensive in comparison. 如果你是一个聪明的零售商,你会放一个最贵的商品在架上 即使根本没人买 因为相比之下33美元的红酒显得没那么贵了
So I'm telling you something you already knew: namely, that comparison changes the value of things. 其实这些你们早就知道了 “比较”可以改变价值
Here's why that's a problem: the problem is that when you get that 33-dollar bottle of wine home, it won't matter what it used to be sitting on the shelf next to. 但问题在哪里呢？ 问题就出在:这瓶33美元的红酒带回家后 他的价值跟原来放在旁边的酒没有关系
The comparisons we make when we are appraising value, where we're trying to estimate how much we'll like things, are not the same comparisons we'll be making when we consume them. 当初为估量价值而做的比较 即我们试图决定我们有多喜欢一样东西 当我们消费或者使用这样东西的时候,当初的比较早已不复存在了
comparisons:n.比较;类似(comparison的复数形式);处于对比状态; appraising:v.估量;估价;(appraise的现在分词) consume:v.消耗;吃;毁灭;烧毁;
This problem of shifting comparisons can bedevil our attempts to make rational decisions. 这个“比较转移”的问题 影响了我们的理性决策
shifting:adj.不断移动的;流动的;v.转移;赶快;快速移动;变换;(shift的现在分词) bedevil:vt.使痛苦;虐待;使苦恼;
Let me just give you an example. 再举一个例子
I have to show you something from my own lab, so let me sneak this in. 我要给大家看一个实验
sneak:v.溜; n.鬼鬼祟祟的人; adj.暗中进行的;
These are subjects coming to an experiment to be asked the simplest of all questions: 这些实验对象们 问一个最简单的问题
How much will you enjoy eating potato chips one minute from now? 一分钟之后你会多享受这包薯条？
chips:炸土豆条(chip的复数)
They're sitting in a room with potato chips in front of them. 实验对象坐在房间里,前面放着一些薯条
For some of the subjects, sitting in the far corner of a room is a box of Godiva chocolates, and for others is a can of Spam . 对于一些实验对象,他们所在房间的另一个角落,有其它东西 有的是一盒Godiva巧克力,有的是一罐Spam午餐肉
Spam:n.垃圾邮件;罐头猪肉;
In fact, these items that are sitting in the room change how much the subjects think they're going to enjoy the potato chips. 事实上,这些角落里的东西改变了 试验者对薯条的预期享受程度
items:n.项目;一件商品(或物品);一则,一条(新闻)(item的复数)
Namely, those who are looking at Spam think potato chips are going to be quite tasty; those who are looking at Godiva chocolate think they won't be nearly so tasty . 也就是说,这些看到午餐肉的人 会觉得薯条非常美味 而看到巧克力的人 觉得薯条不会很美味
tasty:美味的
Of course, what happens when they eat the potato chips? 然而,他们吃薯条的时候会怎样呢？
Well, look, you didn't need a psychologist to tell you that when you have a mouthful of greasy , salty, crispy , delicious snacks , what's sitting in the corner of the room makes not a damn bit of difference to your gustatory experience. 不需要心理学家告诉你 当你嘴里都是油炸的,脆脆的美味薯条的时候 在屋子的角落放着什么 根本不会影响你的味觉
greasy:adj.油腻的;含脂肪多的;谄媚的; crispy:adj.酥脆的;易碎的;干净利落的;生气勃勃的; snacks:n.点心; v.吃点心(或快餐、小吃); (snack的第三人称单数和复数) gustatory:adj.味的,味觉的;
Nonetheless , their predictions are perverted by a comparison that then does not carry through and change their experience. 然而在吃之前,人们对食物的预期被“比较”迷惑了 这种“比较”在我们吃的过程中,是完全不存在的
Nonetheless:adv.尽管如此,但是; predictions:n.预测,预言(prediction复数形式); perverted:adj.反常的;变态的:v.败坏;误导;误用(pervert的过去式和过去分词) carry through:贯彻;完成;坚持下去;
You've all experienced this yourself, even if you've never come into our lab to eat potato chips, so here's a question: 大家都亲身经历过类似的事情,即使你以前没有 来过我的实验室吃薯条。那我现在有一个问题:
You want to buy a car stereo . 你想买一个汽车音响
stereo:n.立体声;立体声音响;adj.立体(声)的;
The dealer near your house sells this particular stereo for 200 dollars, but if you drive across town, you can get it for 100 bucks. 你家附近的经销商卖200美元 如果你开车穿过市区,只要100美元买一个一样的
dealer:n.交易商;贸易商;贩毒者;毒品贩子;
So would you drive to get 50 percent off, saving 100 dollars? 你会开车去买这个五折的音响,从而节省100美元吗？
Most people say they would. 多数人都会
They can't imagine buying it for twice the price when, with one trip across town, they can get it for half off. 他们不能想象多花一倍的钱 去买一个在城市的另一端只要半价的东西
Now, let's imagine instead you wanted to buy a car that had a stereo, and the dealer near your house had it for 31,000. 现在我再假设你想买一辆有音响的车 你家旁边的经销商卖31000美元
But if you drove across town, you could get it for 30,900. 同样开车穿过市区,只要30900
Would you drive to get it? At this point, 0.003 savings -- the 100 dollars. 你会去么？这次你节省了0.3%,也是100美元
savings:n.节省物;节省;节约;储蓄金;存款;(saving的复数)
Most people say, no, I'm going to schlep across town to save 100 bucks on the purchase of a car? 很多人会说,不,我才不会开车穿过拥堵的市区 就为了节省100美元去买一辆车
schlep:vt.搬运; n.笨蛋; vi.拖曳; purchase:n.购买;采购;购买的东西;购买项目;v.购买;采购;
This kind of thinking drives economists crazy, and it should. 这种想法令经济学家们抓狂,而也确实应该这样
Because this 100 dollars that you save -- hello! -- doesn't know where it came from. 因为你节省下来的这100美元:拜托！ 根本不在乎从哪儿来的
It doesn't know what you saved it on. 它也不知道是买什么东西节省下来的
When you go to buy groceries with it, it doesn't go, 你去超市买东西的时候,它不会说
groceries:n.杂货;食品杂货;食品杂货店;(grocery的复数)
I'm the money saved on the car stereo, or, 我是从汽车音响节省下来的,或者
I'm the dumb money saved on the car. It's money. 我是一个笨蛋从买汽车里节省下来的。钱就是钱！
dumb:adj.哑的,无说话能力的;不说话的,无声音的;
And if a drive across town is worth 100 bucks, it's worth 100 bucks no matter what you're saving it on. People don't think that way. 如果开车穿过市区值100美元,就是值100美元 不管你是通过什么方式节省下来的。可是人们并不这么认为。
no matter what:不管什么…;
That's why they don't know whether their mutual fund manager is taking 0.1 percent or 0.15 percent of their investment, but they clip coupons to save one dollar off of toothpaste . 这就是为什么人们不关心基金经理 从他们的投资中拿0.1%还是0.15%佣金 但是他们会收集折扣券去少花1美元买牙膏
mutual fund:n.单位信托投资公司(代客户进行不同组合的投资); clip:v.剪辑;修剪;削减;固定;n.夹;夹子;速度;钳; coupons:n.优惠券;息票;[化工]取样片(coupon的复数); toothpaste:n.牙膏;
Now, you can see, this is the problem of shifting comparisons, because what you're doing is, you're comparing the 100 bucks to the purchase that you're making, but when you go to spend that money you won't be making that comparison. 现在你看到了,也是“转移比较”的问题 因为你在比较100美元 和你要买的东西之间的关系 而当你去花这笔钱的时候,你不会再做那样的比较
You've all had this experience. 你们都有过这样的经历
If you're an American, for example, you've probably traveled in France. 举个例子,如果你是一个美国人,去法国旅游
And at some point you may have met a couple from your own hometown, and you thought, "Oh, my God, these people are so warm. They're so nice to me. 在法国的时候有可能会遇到一对夫妇 他们也是从你的家乡过来旅游的,你会想 天哪！这些人真热情,对我太好了。
I mean, compared to all these people who hate me when I try to speak their language and hate me more when I don't, these people are just wonderful." And so you tour France with them, 比起那些讨厌我试着说法语 更讨厌我不说法语的当地人 这对夫妇简直太好了,所以你和他们一起游历法国
and then you get home and you invite them over for dinner, and what do you find? 之后你回到家,邀请这对夫妇来家里吃饭 现在的感觉呢？
Compared to your regular friends, they are boring and dull , right? Because in this new context, the comparison is very, very different. In fact, you find yourself disliking them enough almost to qualify for French citizenship . 和你的其它朋友相比, 他们又无聊又闷,对吗？处在新的环境里 这种比较太不一样了。实际上你发现 他们的讨厌程度简直都够资格申请法国国籍了
boring:adj.无聊的;令人厌烦的;n.钻孔;v.使厌烦;钻孔;(bore的现在分词) dull:v.减轻; adj.枯燥无味的; qualify for:合格;有…的资格; citizenship:n.[法]公民身份,公民资格;国籍;公民权;
Now, you have exactly the same problem when you shop for a stereo. 其实如果你去买音响也会遇上同样的问题
You go to the stereo store, you see two sets of speakers -- these big, boxy , monoliths , and these little, sleek speakers, and you play them, and you go, you know, I do hear a difference: the big ones sound a little better. 你去到一个音响商店,你看到了两款扬声器 一款是又大又方像石头的,一款是小巧玲珑的外表光滑的 然后你都试了一下,觉得确实听到了他们的区别 大的那个感觉好一些
boxy:adj.四四方方的;矮胖的; monoliths:n.整块材料;独石(monolith的复数); sleek:adj.圆滑的;井然有序的;vt.使…光滑;掩盖;vi.打扮整洁;滑动;
And the problem, of course, is that this comparison you made in the store is a comparison you'll never make again. 问题在于,你在音响商店做的“比较” 回家之后永远不可能再发生
What are the odds that years later you'll turn on the stereo and go, "Sounds so much better than those little ones," 你不会再回到那个音响商店说: “大的听起来就是比那些小的好”
which you can't even remember hearing. 具体是哪个“小的”你自己可能都不记得了
The problem of shifting comparisons is even more difficult when these choices are arrayed over time. “比较转移”的问题在跨越时间的 某些情况下显得更复杂
People have a lot of trouble making decisions about things that will happen at different points in time. 关于不同时间点发生的几件事 人们在做决策时往往显得尤其困难
And what psychologists and behavioral economists have discovered is that by and large people use two simple rules. 心理学家和行为经济学家发现 大体上来讲有两个简单的原则
by and large:大体上,总的来说;
So let me give you one very easy problem, a second very easy problem and then a third, hard, problem. 现在我先给你一个非常简单的问题,然后是一个同样简单的问题 最后是一个困难的问题
Here's the first easy problem: 第一个简单问题是:
You can have 60 dollars now or 50 dollars now. Which would you prefer ? 现在得到$60或者$50,你要哪个？
prefer:v.更喜欢;宁愿;提出;提升;
This is what we call a one-item IQ test, OK? 这个叫做单项智商测验
All of us, I hope, prefer more money, and the reason is, we believe more is better than less. 大家都想要更多的钱 因为我们认为多比少好
Here's the second problem: 第二个问题来了
You can have 60 dollars today or 60 dollars in a month. Which would you prefer? 你可以今天得到$60或者一个月之后得到$60,你选哪个？
Again, an easy decision, because we all know that now is better than later. 同样的,非常简单的决策 因为我们知道 现在 比 以后 好
What's hard in our decision-making is when these two rules conflict . 当这两条规则相互冲突时,困难来了
decision-making:n.决策; conflict:n.冲突;矛盾;争执;抵触;v.抵触;
For example, when you're offered 50 dollars now or 60 dollars in a month. 例如,现在得到$50或者一个月后得到$60,你选哪个
This typifies a lot of situations in life in which you will gain by waiting, but you have to be patient . 生活中有很多类似情况 想得到就必须等待,还要有耐心
typifies:vt.代表;作为…的典型;具有…的特点; patient:adj.有耐心的,能容忍的;n.病人;患者;
What do we know? What do people do in these kinds of situations? 那么人们在这样的情形下会怎么做呢？
Well, by and large people are enormously impatient . 多数情况下,人们很缺乏耐心
enormously:adv.巨大地,庞大地;非常地,在极大程度上; impatient:adj.焦躁的;不耐心的;
That is, they require interest rates in the hundred or thousands of percents in order to delay gratification and wait until next month for the extra 10 dollars. 也就是说他们会要求很高的利息 才能推迟他们的满足感 而等到下个月去获得额外的10美元
percents:n.百分比,百分率;部分;百分数;adj.百分之…的;adv.以百分之…地; gratification:n.满意;喜悦;使人满意之事; extra:adj.额外的:n.额外的事物:adv.额外:另外:
Maybe that isn't so remarkable , but what is remarkable is how easy it is to make this impatience go away by simply changing when the delivery of these monetary units wil l happen . 也许这个还不足为奇,但是奇怪的是 让人们有耐心是如此容易,只要改变一下 给钱的时间
remarkable:adj.卓越的;非凡的;值得注意的; impatience:n.急躁;无耐心;
Imagine that you can have 50 dollars in a year -- that's 12 months -- or 60 dollars in 13 months. 假设你可以一年之后获得50美元--那是12个月 或者13个月之后获得60美元
What do we find now? 我们得到了什么结果？
People are gladly willing to wait: as long as they're waiting 12, they might as well wait 13. 人们开始愿意等待了,既然他们已经等了12个月 等13个月也无妨
gladly:adv.乐意地;高兴地;欢喜地; as long as:conj.只要;长达;如果;既然; might as well:不妨,何妨;还是…的好;
What makes this dynamic inconsistency happen? 是什么让决策不一致了呢？
dynamic:n.动力; adj.充满活力的; inconsistency:n.不一致;易变;
Comparison. Troubling comparison. Let me show you. 比较！麻烦的比较。我来给大家解释
This is just a graph showing the results that I just suggested you would show if I gave you time to respond , which is, people find that the subjective value of 50 is higher 这是一个我刚刚提到的结果的演示图 如果我给大家足够时间去反应,你们会发现 人们发现主观上现在的50美元要比
respond:vi.回答;作出反应;承担责任;n.应答;唱和; subjective:adj.主观的;个人的;自觉的;
than the subjective value of 60 when they'll be delivered in now or one month, respectively -- a 30-day delay -- but they show the reverse pattern when you push the entire decision off into the future a year. 未来的60美元更有价值 虽然仅仅是30天的差别 然而当我们把决策时间推迟1年 他们表现出了完全相反的行为模式
respectively:adv.分别地;各自地,独自地; reverse:n.反面; v.颠倒; adj.相反的;
Now, why in the world do you get this pattern of results? 那么,为什么你会看到这样的结果呢？
These guys can tell us. 这两个人可以给我们解释
What you see here are two lads , one of them larger than the other: the fireman and the fiddler . 大家看到的是两个小伙子 其中一个比另外一个块头大些:救火队员和小提琴家
lads:n.小伙子;老朋友;(lads是lad的复数) fireman:n.消防队员 fiddler:n.拉提琴的人;小提琴手;骗子;游荡者;
They are going to recede towards the vanishing point in the horizon , and I want you to notice two things. 他们要往后退直到消失 我希望大家注意两样东西
recede:v.逐渐远离;慢慢变小;变秃; vanishing point:n.灭点; horizon:n.地平线;(欲望、知识或兴趣的)范围;
At no point will the fireman look taller than the fiddler. No point. 这个救火队员是永远不可能比小提琴家小的,绝对不会
However, the difference between them seems to be getting smaller. 然而,他们之间的差距却是越来越小的
First it's an inch in your view, then it's a quarter-inch, then a half-inch, and then finally they go off the edge of the earth. 刚开始你看到一英寸的差距,然后是四分之三英寸 然后是半英寸,最终他们从地平线上消失了
finally:adv.终于;最终;(用于列举)最后;彻底地;
Here are the results of what I just showed you. 这就是我刚刚给大家看的结果
This is the subjective height -- the height you saw of these guys at various points. 这是主观高度 即你在不同阶段看到的高度
And I want you to see that two things are true. 现在我想让你看到,两样东西是真的
One, the farther away they are, the smaller they look; and two, the fireman is always bigger than the fiddler. 第一,他们离我们越远,看起来越小 第二,消防队员总是比小提琴师高。
But watch what happens when we make some of them disappear . Right. 但是当我们让一些东西消失之后发生了什么？
disappear:v.消失;失踪;不复存在;
At a very close distance, the fiddler looks taller than the fireman, but at a far distance their normal, their true, relations are preserved . 如果我们非常近距离观察,小提琴师要比消防队员更高大 但是如果离远了 他们正常的,真实的关系就出来了
preserved:v.保护;维护;保留;保存;保养;(preserve的过去式和过去分词)
As Plato said, what space is to size, time is to value. 就像柏拉图说的,时间对于价值的影响正如空间对于大小的影响一样
Plato:n.柏拉图(古希腊哲学家);
These are the results of the hard problem I gave you: 60 now or 50 in a month? 这是刚才那道难题的答案 现在拿50美元还是一个月后拿60？
And these are subjective values, and what you can see is, our two rules are preserved. 这些是主观的判断 大家可以看到的是,我们的两条定理都是成立的
People always think more is better than less: 60 is always better than 50; and they always think now is better than later: the bars on this side are higher than the bars on this side. 人们通常会觉得多比少好 60美元永远比50美元好 人们还会觉得现在永远比将来好 这边的柱形图比那边的要高
Watch what happens when we drop some out. 看看去掉几个图形时发生了什么
Suddenly we have the dynamic inconsistency that puzzled us. 现在突然有些困惑了,刚才比较的结果一下子反了过来
puzzled:adj.困惑的;茫然的;搞糊涂的;
We have the tendency for people to go for 50 dollars now over waiting a month, but not if that decision is far in the future. 我们看到人们更希望现在获得50元 而不是去等一个月拿60,但是在更长的时间里,又会反过来决定
Notice something interesting that this implies -- namely, that when people get to the future, they will change their minds. 我们看到了一个有趣的现象--那就是 人们会在未来改变主意
implies:v.意味着(imply的第三人称单数);蕴含;暗指;
That is, as that month 12 approaches , you will say, what was I thinking, waiting an extra month for 60 dollars? 当第12个月马上到了的时候,你会说 为什么还要为了那60块钱再等一个月呢？
approaches:v.靠近,接近; n.方式,方法,态度;
I'll take the 50 dollars now. 我现在就想要这50块钱
Well, the question with which I'd like to end is this: 那么,在结束的时候想问大家一个问题
If we're so damn stupid, how did we get to the moon? 如果我们都这么笨,人类是怎么登上月球的？
Because I could go on for about two hours with evidence of people's inability to estimate odds and inability to estimate value. 因为我可以在这里讲两个小时,举例子 证明人类在估计概率和价值方面的无能表现
go on for:接近; evidence:n.证据,证明;迹象;明显;v.证明; inability:n.无能力;无才能;
The answer to this question, I think, is an answer you've already heard in some of the talks, and I dare say you will hear again: namely, that our brains were evolved for a very different world than the one in which we are living. 这个问题的答案,我想大家都已经知道了 以前听过相关的演讲,我敢保证大家还会听到 即是:我们的大脑是朝着一个完全不同的世界进化的 即是:我们的大脑是朝着一个完全不同的世界进化的
I dare say:我敢肯定！; evolved:v.(使)逐渐形成;进化;进化形成;(evolve的过去分词和过去式)
They were evolved for a world in which people lived in very small groups, rarely met anybody who was terribly different from themselves, had rather short lives in which there were few choices and the highest priority was to eat and mate today. 在大脑为之进化的世界里 人类生活在很小的群体当中 周围都是和自己一样的人 人们的寿命非常短,选择也非常少 人们决定最重要的事情就是“今朝有酒今朝醉”
rarely:adv.很少地;难得;罕有地; had rather:prep.宁肯,宁愿; priority:n.优先;优先权;[数]优先次序;优先考虑的事;
Bernoulli's gift, Bernoulli's little formula , allows us, it tells us how we should think in a world for which nature never designed us. Bernoulli的天赋,Bernoulli的小等式,告诉我们 在这个不符合自然规律的世界我们应该如何思考问题,
formula:n.公式; adj.(赛车)方程式的(指赛车要符合规定的体积,重量及汽缸容量等);
That explains why we are so bad at using it, but it also explains why it is so terribly important that we become good, fast. 揭示了为什么我们思考问题这么差,也告诉我们 勤奋高效是如此重要
We are the only species on this planet that has ever held its own fate in its hands. 人类是这个星球上唯一的 将命运掌握在自己手中的物种
species:n.[生物]物种;种类;
We have no significant predators , we're the masters of our physical environment; the things that normally cause species to become extinct are no longer any threat to us. 我们没有主要的天敌 我们征服了大自然 通常导致物种灭绝的东西 已经不能对人类够成威胁
significant:adj.重大的;有效的;有意义的;值得注意的;意味深长的;n.象征;有意义的事物; predators:n.捕食性动物;实行弱肉强食的人(或机构);掠夺者;(predator的复数) physical:adj.[物]物理的;身体的;物质的;符合自然法则的;n.体格检查; normally:adv.正常地;通常地,一般地; extinct:adj.灭绝的,绝种的;熄灭的;vt.使熄灭;
The only thing -- the only thing -- that can destroy us and doom us are our own decisions. 只有一样东西,唯一的东西可以毁灭我们 那就是我们自己的决定
doom:n.厄运;毁灭;劫数;死亡;v.使…注定失败(或遭殃、死亡等);
If we're not here in 10,000 years, it's going to be because we could not take advantage of the gift given to us by a young Dutch fellow in 1738, because we underestimated the odds of our future pains and overestimated the value of our present pleasures. 如果在10000年之后人类灭亡了,原因就是 我们没能用好这个天赋 那个荷兰人在1738年献给世界的礼物 因为我们低估了未来痛苦 高估了眼前快乐的价值
take advantage of:利用; overestimated:adj.估计过高的;v.过高估计;过高评价;(overestimate的过去分词)
Thank you. 谢谢。
(Applause) （掌声）
Chris Anderson: That was remarkable. 讲得太精彩了
We have time for some questions for Dan Gilbert. One and two. 我们还有些时间向Dan Gilbert提问。这里第一个问题,这里第二个
Bill Lyell: Would you say that this mechanism is in part how terrorism actually works to frighten us, and is there some way that we could counteract that? 你是不是说这种思考模式 也是恐怖分子用来恐吓我们的一种手段 有没有方法可以克服它呢？
mechanism:n.机制;原理,途径;进程;机械装置;技巧; terrorism:n.恐怖主义; frighten:v.使惊吓;吓唬…;害怕,惊恐; counteract:vt.抵消;中和;阻碍;
Dan Gilbert: I actually was consulting recently with the Department of Homeland Security , which generally believes that American security dollars should go to making borders safer. 实际上最近我正在做一个咨询项目 和国土安全部合作,大概的内容就是 美国的国防经费应该用在可以让边境更加安全的项目上
consulting:adj.咨询的,商议的;v.咨询,请教;商议;(consult的现在分词形式) recently:adv.最近;新近; Homeland Security:n.国土安全(美国防止恐怖袭击的行动及机构); generally:adv.通常;普遍地,一般地;
I tried to point out to them that terrorism was a name based on people's psychological reaction to a set of events, and that if they were concerned about terrorism they might ask 我试图告诉他们恐怖主义只是一个词 是人们对一系列的事件产生的心理反应 如果他们真的担心恐怖主义,他们应该问一个问题
point out to:指出;使注意; psychological:adj.心理的;心理学的;精神上的; reaction:n.反应,感应;反动,复古;反作用; concerned:adj.有关的;关心的;v.关心;与…有关;(concern的过去时和过去分词)
what causes terror and how can we stop people from being terrified, rather than -- not rather than, but in addition to stopping the atrocities that we're all concerned about. 什么导致恐怖活动以及如何让人们不再恐惧 在此基础上 再去制止我们所担心的暴行
in addition to:除…之外; atrocities:n.暴行(atrocity的复数);残忍;
Surely the kinds of play that at least American media give to -- and forgive me, but in raw numbers these are very tiny accidents. 事实上,美国媒体在这类事件上的报道 请原谅我的直接,这些恐怖袭击的数量是非常小的
media:n.媒体;媒质(medium的复数);血管中层;浊塞音;中脉;
We already know, for example, in the United States, more people have died as a result of not taking airplanes -- because they were scared -- and driving on highways, than were killed in 9/11. OK? 我们已经知道,例如,在美国 更多的人因为没有坐飞机而死亡 因为他们害怕坐飞机 其实在高速公路上开车死的人比911要多
United:adj.联合的; v.联合,团结; (unite的过去分词和过去式) airplanes:n.(美)[航]飞机(airplane的复数);
If I told you that there was a plague that was going to kill 15,000 Americans next year, you might be alarmed if you didn't find out it was the 'flu. 如果我告诉你有一个瘟疫 致使明年美国要死亡15000人 如果你不知道这是“感冒 ,你可能会非常惶恐
plague:n.瘟疫;灾祸;麻烦;讨厌的人;vt.折磨;使苦恼;使得灾祸;
These are small-scale accidents, and we should be wondering whether they should get the kind of play, the kind of coverage, that they do. 这些小规模事件,我们应该反思 这些东西是否应该得到 这样多的报道
small-scale:adj.小规模的;
Surely that causes people to overestimate the likelihood that they'll be hurt in these various ways, and gives power to the very people who want to frighten us. 显然导致人们过高地估计了 这些事件的伤害程度 恰恰让那些企图恐吓我们的人达到目的
CA: Dan, I'd like to hear more on this. So, you're saying that our response to terror is, I mean, it's a form of mental bug ? Dan,我想再问几句。你的意思是说 我们对恐怖事件的反应,是一种精神上的缺陷吗？
response:n.响应;反应;回答; mental:adj.精神的;脑力的;疯的;n.精神病患者; bug:n.臭虫,小虫;故障;窃听器;v.烦扰,打扰;装窃听器;
Talk more about it. 给我们讲讲好吗
DG: It's out-sized. I mean, look. 这个是被夸大了的。你看
If Australia disappears tomorrow, terror is probably the right response. 如果明天澳大利亚消失了 大家的第一感觉可能就是恐怖袭击
disappears:v.消失;不见;消亡;失踪;丢失;(disappear的第三人称单数)
That's an awful large lot of very nice people. On the other hand, when a bus blows up and 30 people are killed, more people than that were killed by not using their seatbelts in the same country. 那么大的国家,那么善良的人民。但是另一方面 当一辆公共汽车爆炸了,30个人遇难 而在同一个国家更多人 因为不系安全带死亡
seatbelts:n.座位安全带;
Is terror the right response? 你觉得恐惧应该是正常的反应吗？
CA: What causes the bug? Is it the drama of the event -- that it's so spectacular ? 是什么导致这样的精神缺陷呢？是事件的震撼效果 对人们的触动太大了吗？
drama:n.戏剧;戏剧艺术;戏剧文学;戏剧性事件; spectacular:adj.壮观的;壮丽的;令人惊叹的;n.壮观的场面;精彩的表演;
Is it the fact that it's an intentional attack by, quote, outsiders ? 是因为那是一个由“外国人”发动的国际袭击吗？
intentional:adj.故意的;蓄意的;策划的; outsiders:n.[劳经]局外人,外来者(outsider复数形式);
What is it? 或者是别的什么？
DG: Yes. It's a number of things, and you hit on several of them. 是的,很多的因素,你说出了其中的一些
First, it's a human agent trying to kill us -- it's not a tree falling on us by accident. 首先,是一个人类的组织试图杀死我们 而不是一棵树倒下来意外地砸到我们
agent:n.代理人,代理商;药剂;特工;v由…作中介;由…代理;adj.代理的;
Second, these are enemies who may want to strike and hurt us again. 其次,我们的敌人也许会再次发动袭击伤害我们
People are being killed for no reason instead of good reason -- as if there's good reason, but sometimes people think there are. 人们是无缘无故地被杀害,而不是死于正常的原因 就像真的有正常原因似的,但是有时候人们就是这样想的
So there are a number of things that together make this seem like a fantastic event, but let's not play down the fact that newspapers sell when people see something in it 所以这是很多的因素集合在一起 把这件事变成一个显著事件,但是我们不要忘了 当人们读到想看的内容时,报纸的销售会比较好
they want to read. So there's a large role here played by the media, who want these things to be as spectacular as they possibly can. 所以媒体在其中起了很大作用 他们希望这些事情 越引人入胜越好
CA: I mean, what would it take to persuade our culture to downplay it? 我的意思是,怎样去降低这种情绪呢？
persuade:v.说服;劝说;使信服;使相信; downplay:vt.不予重视;将...轻描淡写;
DG: Well, go to Israel . You know, go to Israel . And a mall blows up, and then everybody's unhappy about it, and an hour-and-a-half later -- at least when I was there, and I was 150 feet from the mall when it blew up -- I went back to my hotel and the wedding that was planned was still going on. 去以色列吧 去以色列。发生了一起商场爆炸事件 所有人都非常气愤,一个半小时后 至少当我在场的时候,一个离我们150码的商场 爆炸了--我回到了酒店 一个计划好的婚礼在照常进行
Israel:n.以色列(亚洲国家);犹太人,以色列人;
And as the Israeli mother said, she said, "We never let them win by stopping weddings." 就像一个以色列母亲所说的 她说,我们永远不会让他们得逞影响我们的婚礼
Israeli:adj.以色列的;以色列人的;n.以色列人;
I mean, this is a society that has learned -- and there are others too -- that has learned to live with a certain amount of terrorism and not be quite as upset by it, shall I say, as those of us who have not had many terror attacks. 我的意思是,这是一个已经习惯了的社会 当然也有其它的社会--学会了如何在 有限的的恐怖主义威胁中生存,而且不会过分担心,被打扰 就像我们中间那些没怎么经历过恐怖袭击的人一样
upset:adj.沮丧; v.打乱; n.苦恼; (意外的)混乱;
CA: But is there a rational fear that actually, the reason we're frightened about this is because we think that the Big One is to come? 但是这样的恐惧是不是理性的呢 我们我们之所以恐惧是因为 下一轮袭击可能更严重
frightened:adj.害怕的;受惊的;惊吓的;v.使惊吓;使惊恐;(frighten的过去分词和过去式)
DG: Yes, of course. So, if we knew that this was the worst attack there would ever be, there might be more and more buses of 30 people -- we would probably not be nearly so frightened. 当然,如果我们知道这次袭击已经是最严重的了 --当然,也许还会有更多的30人大巴爆炸-- 我们很可能就没那么害怕了
I don't want to say -- please, I'm going to get quoted somewhere as saying, "Terrorism is fine and we shouldn't be so distressed ." 我并不是说-我要引用一句别人的话 “恐怖主义不可怕我们不应该那么紧张”
quoted:v.引用;引述;举例说明;开价;(quote的过去分词和过去式) distressed:adj.烦恼的; v.使忧虑; (distress的过去分词和过去式)
That's not my point at all. 这决不是我的意思
What I'm saying is that, surely, rationally , our distress about things that happen, about threats, should be roughly proportional to the size of those threats and threats to come. 我要说的是,理性地讲 我们对这些事实和威胁产生的恐惧心理 应该和所面对的威胁 及将要到来的威胁的规模成比例
rationally:adv.理性地;讲道理地; roughly:adv.粗糙地;概略地; proportional to:与…相称,与…成比例;
I think in the case of terrorism, it isn't. 我认为在对待恐怖主义这件事上,人们不是这样的
And many of the things we've heard about from our speakers today -- how many people do you know got up and said, 今天我们听到那么多的演讲 有多少人站起来说
Poverty ! I can't believe what poverty is doing to us. 贫穷！贫穷都给我们带来了什么！！！
Poverty:n.贫困;困难;缺少;低劣;
People get up in the morning; they don't care about poverty. 人们早上起来;他们不关心贫穷
It's not making headlines; it's not making news, it's not flashy . 贫穷不会被做成头条报道;因为它一点都不吸引人
flashy:adj.闪光的;瞬间的;俗丽的;暴躁的;
There are no guns going off. 这里没有枪声
I mean, if you had to solve one of these problems, Chris, which would you solve? Terrorism or poverty? 我的意思是,如果你必须去解决其中的一个问题, 你会选哪个？恐怖主义还是贫穷？
(Laughter) 笑声
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That's a tough one. 这个问题很难
CA: There's no question. 毫无疑问
Poverty, by an order of magnitude , a huge order of magnitude , unless someone can show that there's, you know, terrorists with a nuke are really likely to come. 贫穷,从重要性上来讲无疑是优先的 除非什么人在这里可以证明 恐怖主义已经拥有了核武器
order of magnitude:n.数量级(量度物理量大小的标准,用以10为底的指数表达); nuke:n.核武器;核能发电厂;核潜艇;vt.以核武器攻击;adj.核武器的;
The latest I've read, seen, thought is that it's incredibly hard for them to do that. 我最近读到、看到、想到的 核武器对于恐怖主义来说还是比较难获得的
incredibly:adv.难以置信地;非常地;
If that turns out to be wrong, we all look silly, but with poverty it's a bit -- 如果那个判断是错误的,我们都很愚蠢 但是相对于贫穷,有那么一点儿……
DG: Even if that were true, still more people die from poverty. 即使那是真的,还是有更多的人死于贫困
CA: We've evolved to get all excited about these dramatic attacks. Is that because in the past, in the ancient past, we just didn't understand things like disease and systems that cause poverty and so forth, 我们变得对恐怖袭击很兴奋 那是因为 在古时候,我们不知道疾病 和其他导致贫穷的原因
dramatic:adj.突然的;巨大的;令人吃惊的;激动人心的; disease:n.病,[医]疾病;弊病;vt.传染;使…有病;
and so it made no sense for us as a species to put any energy into worrying about those things? 所以不用投入太多精力 去担心这些事情
People died; so be it. 人们死去了,正常的
But if you got attacked, that was something you could do something about. 如果你被袭击了,是可以做些什么去应对的
and so we evolved these responses . 所以我们会有这样的反应
responses:n.回答,答复;反应;响应;(response的复数)
Is that what happened? 是这个原因吗？
DG: Well, you know, the people who are most skeptical about leaping to evolutionary explanations for everything are the evolutionary psychologists themselves. 你知道吗,那些对用进化论解释所有问题 持最大怀疑态度的人 恰恰是进化心理学者们自己
skeptical:adj.怀疑的;怀疑论的,不可知论的; leaping:adj.跳跃的,跳跃而行的;n.跳跃;v.跳跃(leap的ing形式); evolutionary:adj.进化的;发展的;渐进的;
My guess is that there's nothing quite that specific in our evolutionary past. But rather, if you're looking for an evolutionary explanation, you might say 我的猜测是,从人类的进化史上看 从来没有任何东西是特定的。然而,如果你去寻找 一个进化论的解释,你也许会说
specific:adj.特殊的,特定的;明确的;详细的;[药]具有特效的;n.特性;细节;特效药;
that most organisms are neo-phobic -- that is, they're a little scared of stuff that's new and different. 绝大多数的都有一种“恐新症”--他们害怕 新的、不一样的东西
organisms:n.[生物]生物体(organism的复数);[生物]有机体; stuff:n.东西:物品:基本特征:v.填满:装满:标本:
And there's a good reason to be, because old stuff didn't eat you. Right? 一个充分的理由是 见过的东西不会吃你,对吗？
Any animal you see that you've seen before is less likely to be a predator than one that you've never seen before. 见过的动物都不可能 比那些没见过的动物更可怕
So, you know, when a school bus is blown up and we've never seen this before, our general tendency is to orient towards that which is new and novel is activated . 所以,当一个学校的校车爆炸,我们以前从来没有见过这样的事情 这种恐惧新生事物的倾向 就被激活了
orient:vt.使适应;确定方向;使朝东;n.东方;东方诸国;adj.东方的;vi.向东; novel:adj.新奇的;异常的;n.小说; activated:v.使活动;激活;使活化;(activate的过去式和过去分词)
I don't think it's quite as specific a mechanism as the one you alluded to, but maybe a more fundamental one underlying it. 我并不认为这是一种特别的机制在里面起作用 就像你刚才暗指的那样,但背后也许是更基础的原因
alluded:vi.暗指,转弯抹角地说到;略为提及,顺便提到; fundamental:n.基础; adj.十分重大的; underlying:adj.根本的; v.构成…的基础; (underlie的现在分词)
Jay Walker: You know, economists love to talk about the stupidity of people who buy lottery tickets. But I suspect you're making the exact same error you're accusing those people of, which is the error of value. 你知道,经济学家喜欢谈论 那些买彩票的人的愚蠢程度。但是我怀疑 就在你指责这些人的时候,自己也犯了同样的错误 也就是在估值上的错误
suspect:n.犯罪嫌疑人;v.怀疑;不信任;adj.可疑的; accusing:adj.谴责的;指责的;v.控告;控诉;谴责;(accuse的现在分词)
I know, because I've interviewed about 1,000 lottery buyers over the years. 我这么说是因为在近几年中我曾经访谈过 大约1000个买彩票的人
interviewed:v.对(某人)进行面试(或面谈); (媒体)采访(interview的过去分词和过去式) buyers:n.[贸易]买主;买方市场;采购者;购货者(buyer的复数);
It turns out that the value of buying a lottery ticket is not winning. 结果显示,购买彩票的价值并不是去中奖
That's what you think it is. All right? 但这是你认为的价值,对吗？
The average lottery buyer buys about 150 tickets a year, so the buyer knows full well that he or she is going to lose, and yet she buys 150 tickets a year. Why is that? 一个普通的彩民一年要买大约150张彩票 这个彩民其实完全知道他是会输掉的 可还是会每年买150张,为什么？
It's not because she is stupid or he is stupid. 这并不是因为他（她）的脑子有问题
It's because the anticipation of possibly winning releases serotonin in the brain, and actually provides a good feeling until the drawing indicates you've lost. 而是因为中奖的预期 在大脑中释放出一种胺,让人们产生快感 一直持续到开奖的时候
anticipation:n.希望;预感;先发制人;预支; releases:n.释放; vt.释放; serotonin:n.[生化]血清素;5-羟色胺(血管收缩素); indicates:v.表明指示,显示;(indicate的第三人称单数)
Or, to put it another way, for the dollar investment, you can have a much better feeling than flushing the money down the toilet, which you cannot have a good feeling from. 换一种说法,投资1美元 可以获得比马桶冲钱好很多的快感 如果你真用马桶冲钱的话,你是不会有好的感觉的
Now, economists tend to -- 现在,经济学家们都倾向于
(Applause) 掌声
- economists tend to view the world through their own lenses , which is: this is just a bunch of stupid people. 经济学家们都试图用他们的有色眼镜 看这个世界,结果是: 看到一群愚蠢的人
lenses:n.透镜;镜片;(眼球的)晶状体;(lens的复数) a bunch of:一群;一束;一堆;
And as a result, many people look at economists as stupid people. 结果很多人觉得经济学家更愚蠢
And so fundamentally , the reason we got to the moon is, we didn't listen to the economists. Thank you very much. 总之,人类能登上月球 就是因为当初没有听经济学家的意见,谢谢。
fundamentally:adv.从根本上;基础地;重要地
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DG: Well, no, it's a great point. It remains to be seen whether the joy of anticipation is exactly equaled by the amount of disappointment after the lottery. Because remember, 好,你的观点很好。但是有件事还有待考察: 预期中奖的快乐是不是和 开奖之后的“沮丧”的程度相等。请记住:
equaled:adj.平等的;相等的;胜任的;vt.等于;比得上;n.对手;匹敌;同辈;相等的事物;
people who didn't buy tickets don't feel awful the next day either, even though they don't feel great during the drawing. 不买彩票的人开奖后第二天不会觉得那么“沮丧” 即使在开奖的瞬间也不会感觉那么好
I would disagree that people know they're not going to win. 我不同意那些人知道自己肯定会输
I think they think it's unlikely, but it could happen, which is why they prefer that to the flushing. 也许他们觉得可能性不大,但还是可能发生的 所以他们更愿意去买彩票而不是冲厕所
But certainly I see your point: that there can be some utility to buying a lottery ticket other than winning. 但是我也看到了你的观点:确实, 除了中奖之外买彩票是会给人们带来一定的效用的
utility:n.公用事业;实用;实用程序;adj.多用途的;多效用的;
Now, I think there's many good reasons not to listen to economists. 其实还有很多很好的理由不听经济学家的
That isn't one of them, for me, but there's many others. 对我来说这不是其中一个,但确实还有很多别的理由
CA: Last question. 最后一个问题
Aubrey de Grey: My name's Aubrey de Grey, from Cambridge . 我叫Aubrey de Grey,剑桥的
Cambridge:n.剑桥(英国城市);坎布里奇(美国马萨诸塞州城市);
I work on the thing that kills more people than anything else kills -- 我所研究的东西比其他所有东西都更能致人死亡
I work on aging -- and I'm interested in doing something about it, as we'll all hear tomorrow. 我研究衰老--非常希望能在这个领域做些什么 就像明天大家会听到的
I very much resonate with what you're saying, because it seems to me that the problem with getting people interested in doing anything about aging is that by the time aging is about to kill you it looks like cancer or heart disease or whatever. Do you have any advice? 我很认同你的观点 因为在我看来 人们之所以不太关心衰老的问题 是因为衰老在即将夺去生命的时候,它看起来像癌症 或者心脏病什么的。你有什么建议吗？
resonate:vt.共鸣;共振;vi.共鸣;共振; is about to:眼看就要;即将;正要;行将; cancer:n.癌症;恶性肿瘤;
(Laughter) 笑声
DG: For you or for them? 建议是给你还是给他们？
AdG: In persuading them. 说服他们
persuading:v.劝说;说服;使信服;使相信;(persuade的现在分词)
DG: Ah, for you in persuading them. 如果让你说服他们
Well, it's notoriously difficult to get people to be farsighted . 让人们有远见是一件非常困难的事情
notoriously:adv.众所周知地;声名狼藉地;恶名昭彰地; farsighted:adj.有远见的;能看到远处的;
But one thing that psychologists have tried that seems to work is to get people to imagine the future more vividly . 但是,有一件事情心理学家试过,效果还不错 那就是让人们更生动、更真实地设想未来
vividly:adv.生动地;强烈地;
One of the problems with making decisions about the far future and the near future is that we imagine the near future much more vividly than the far future. 做未来的决策和当前决策的问题 在于人们对当前的预期 要比未来生动、真实的多
To the extent that you can equalize the amount of detail that people put into the mental representations of near and far future, people begin to make decisions about the two in the same way. 真实你可以找到很多细节 帮助人们想象 短期和长期的环境,人们开始用同样 的方式对现在和未来做决定
extent:n.程度;范围;长度; equalize:vt.补偿;使相等;vi.成为相等;打成平局; representations:代表;表现(representation的复数);
So, would you like to have an extra 100,000 dollars when you're 65 is a question that's very different than , imagine who you'll be when you're 65: will you be living, 你愿意在65随地时候得到额外的100000美元吗？ 这个问题很复杂,当你设想 你65岁的时候是什么人,是否还活着
different than:不同于;
what will you look like, how much hair will you have, who will you be living with. 会喜欢什么东西,会留多少头发 和什么人生活在一起
Once we have all the details of that imaginary scenario, suddenly we feel like it might be important to save so that that guy has a little retirement money. 一旦我们想清楚了所有未来情景下的细节 我们会忽然感觉,攒钱是很重要的 所以退休的时候会有钱
imaginary:adj.虚构的,假想的;想像的;虚数的; retirement:n.退休;退职;退休年龄;退休生活;
But these are tricks around the margins . 但这也不能一概而论
margins:n.边缘; v.给…镶边; (margin的复数)
I think in general you're battling a very fundamental human tendency, which is to say, "I'm here today, and so now is more important than later." 我感觉总的来说你在和最基本的人性做斗争 那就是:我今天在这里 所以现在比未来更重要
in general:总之,通常;一般而言;
CA: Dan, thank you. Members of the audience, that was a fantastic session . Thank you. 谢谢你 Dan,谢谢大家 这段演讲真是很精彩,谢谢大家。
session:n.会议;(法庭的)开庭;(议会等的)开会;学期;讲习会;
(Applause) 掌声