If interest rates are low because desired saving exceeds available lucrative investment opportunities, then of course capital will flow to less profitable ventures instead.

如果利率低是因为比可获得的有利可图的投资机，人们想存的钱更多，那么资本当然利润较低的企业。

General goals like eating healthier or reading more are harder to stick with than concrete measurable ones, like quitting drinking soda or reading 20 pages a day.

与具体的可衡量的比，像吃得更健康或阅读更多这样的总体更难坚持，具体的比如戒掉喝苏打水或一天读20页。

A key finding of behavioral research is that people tend to experience unexpected losses more intensely than comparable gains. That can inform the timing of purchase prompts.

行为研究的一个重要发现是，与可比较的收益比， 人们往往更容易经历意想不到的损失。 这可以通知购买提示的时间。