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，人们想存钱更多，那么本当然流向利润较低企业。

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.

与具可衡量目标相比，像吃得更健康或阅读更多这样目标更难坚持，具目标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.

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