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

如果利率低是因为相比可获得有利可图投资机会，人们想存多，那么资本当然会流向利润较低企业。

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.

与具体可衡量目标相比，像吃得健康多这样总体目标难坚持，具体目标比如戒掉喝苏打水一天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.

行为研究一个重要发现是，与可比较收益相比， 人们往往容易经历意想不到损失。 这可以通知购买提示时间。