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

果利率低是因为相比可获得的有利可图的投资机会，人们想存的钱更多，那么资本当然会流向利润较低的企业。

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.

与具体的可衡量的目标相比，像吃得更健康阅读更多这样的总体目标更难坚持，具体的目标比戒掉喝苏打水读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.

行为研究的个重要发现是，与可比较的收益相比， 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。