How to change your behavior for the better | Dan Ariely

589,211 views ・ 2019-12-17

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00:00
Translator: Joseph Geni Reviewer: Camille Martínez
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翻译人员: Jiasi Hao 校对人员: Nan Yang
00:12
Hi.
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嗨,
00:14
You might have noticed that I have half a beard.
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你可能已经注意到了 我只有半边胡子,
00:17
It's not because I lost a bet.
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这不是因为我打赌输了。
00:19
Many years ago, I was badly burned.
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很多年前,我被严重烧伤。
00:22
Most of my body is covered with scars,
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我身体大部分都被伤疤覆盖,
00:24
including the right side of my face.
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包括我这右半边脸。
00:26
I just don't have hair. That's just how it happened.
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我只是不再长胡子。 事情就是这样发生的。
00:29
It looks symmetrical, but almost.
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它看起来挺对称的, 差不多。
00:31
Anyway, now that we discussed facial hair,
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不管怎样,我们已经谈论了胡子,
00:35
let's move to social science.
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我们开始说社会科学。
00:37
And in particular, I want us to think about where is the potential for humanity
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尤其是,我想要大家思考的是 人类的潜能有多大,
00:44
and where we are now.
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并且我们已经到达了哪个水平。
00:45
And if you think about it, there's a big gap
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如果你想一下这个问题,
00:47
between where we think we could be and where we are,
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在我们认为已经达到的水平 和能够达到的水平
00:50
and it's in all kinds of areas.
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不论哪一方面, 这里都有个很大的差距。
00:52
So let me ask you:
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所以,让我问你:
00:54
How many of you in the last month have eaten more than you think you should?
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你们多少人上个月饮食超量了?
00:58
Just kind of general. OK.
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这就很普遍,好。
01:00
How many of you in the last month have exercised less than you think you should?
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你们多少人上个月 运动量没有达标?
01:05
OK, and for how many of you has raising your hands twice
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好,你们多少人举手两次
01:08
been the most exercise you got today?
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已经是今天最大的运动量了?
01:10
(Laughter)
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(笑声)
01:13
How many of you have ever texted while driving?
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你们多少人在开车的时候 发过短信?
01:18
OK, we're getting honest. Let's test your honesty.
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好,大家都在说实话。 让我们测一下你的诚实度。
01:21
How many people here in the last month
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你们在座多少人 在上个月
01:23
have not always washed your hands when you left the bathroom?
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上完厕所没洗手?
01:26
(Laughter)
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(笑声)
01:28
A little less honest.
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没那么诚实了。
01:29
By the way, it's interesting how we're willing to admit texting and driving
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顺便,这很有趣。 我们对开车时发短信的承认意愿度
01:33
but not washing our hands, that's difficult.
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竟然比不洗手高。这不简单。
01:35
(Laughter)
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(笑声)
01:37
We can go on and on.
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我们可以一直问问题。
01:38
The problem, the topic is that there's lots of things
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问题是,有很多事情, 当我们知道自己能够做到——
01:41
when we know what we could do --
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我们会变得极其不一样,
01:43
we could be very, very different, but we're acting in a very different way.
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但是这个情况下, 我们的应对行为截然不同。
01:47
And when we think how do we bridge that gap,
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当我们思考如何 能够缩小那个差距时,
01:49
the usual answer is, "Just tell people."
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通常的回答是“就告诉他们”。
01:52
For example, just tell people that texting and driving is dangerous.
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比如,就告诉他们 开车时候发短信很危险。
01:55
Did you know it's dangerous? You should stop doing it.
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你知道这很危险吗? 你应该停止做这件事。
01:58
You tell people something is dangerous, and they will stop.
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你告诉他们一件事很危险, 之后他们就会停止做它。
02:01
Texting and driving is one example.
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开车时发短信,只是一个例子。
02:02
Another very sad example is that in the US,
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另一个非常悲哀的例子就是, 在美国,
02:05
we spend between seven and eight hundred million dollars a year
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我们每年大约花费 七亿到八亿美元
02:08
on what's called "financial literacy."
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在我们所谓的“金融知识”上。
02:11
And what do we get as a consequence of that?
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我们做这事的结果是什么?
02:13
There was recently a study that looked at all the research ever to be conducted
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有个最近的研究, 调查了所有有关金融知识的论文——
02:17
on financial literacy -- what's called a meta-analysis.
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我们称之为整合分析。
02:20
And what they found is that when you tell people,
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研究发现,当你告诉人们,
02:23
you teach them financial literacy,
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你教他们金融知识,
02:25
they learn and they remember.
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他们学会了、记住了,
02:27
But do people execute? Not so much.
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但是他们执行了吗?基本没吧。
02:30
The improvement is about three or four percent
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3% - 4% 的进步只是 体现在
02:33
immediately after the course,
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刚刚课程结束后,
02:35
and then it goes down.
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之后便出现下滑。
02:36
And at the end of the day,
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到头来,
02:38
the improvement is about 0.1 percent --
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进步率仅为 0.1% ——
02:42
not zero, but as humanly close to zero as possible.
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不是 0,但是从人的角度看, 接近于 0。
02:45
(Laughter)
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(笑声)
02:48
So that's the sad news.
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所以这是一件令人悲伤的事。
02:49
The sad news is, giving information to people
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令人悲伤的是:给予人们信息
02:52
is just not a good recipe to change behavior.
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并不是改变行为的好方法。
02:55
What is?
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那什么是?
02:56
Well, social science has made lots of strides,
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社会科学已经取得了很大的进步,
02:59
and the basic insight is that if we want to change behavior,
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而其的基本观点是: 如果我们想要改变行为,
03:02
we have to change the environment.
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我们必须改变环境。
03:05
The right way is not to change people, it's to change the environment.
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正确的方法不是改变人们, 而是改变环境。
03:08
And I want to present a very simpleminded model of how to think about it:
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我想提出一个非常简单的思维模式 来想这件事:
03:12
it's to think about behavioral change
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把行为改变
03:14
in the same way that we think about sending a rocket to space.
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当作送火箭上太空 来思考这个问题。
03:17
When we think about sending a rocket to space,
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当我们想到送火箭上太空,
03:20
we want to do two main things.
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我们一般主要要做两件事。
03:21
The first one is to reduce friction.
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第一件事,就是减少摩擦。
03:24
We want to take the rocket and have as little friction as possible
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我们想要乘坐火箭, 并且尽可能减少摩擦,
03:27
so it's the most aerodynamic possible.
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尽量最大化满足空气动力学。
03:29
And the second thing is we want to load as much fuel as possible,
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第二件事,就是我们想要 装载尽量多的燃料,
03:32
to give it the most amount of motivation, energy to do its task.
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给火箭足够多的动力和能量, 来完成它的任务。
03:37
And behavior change is the same thing.
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而行为改变也是一样。
03:39
So let's first talk about friction.
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我们首先来说说摩擦。
03:43
In this particular case study I'll tell you about,
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在这个特定的案例分析中, 我会给你讲一个
03:46
there's a pharmacy, an online pharmacy.
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药店的故事,一个网上药店。
03:49
Imagine you go to your doctor.
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想象一下你去找你的医生,
03:51
You have a long-term illness,
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你有一个慢性疾病,
03:53
your doctor prescribes to you a medication,
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医生给了开了药,
03:55
you sign up for this online pharmacy
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你注册了这个网上药店
03:58
and you get your medication in the mail every 90 days.
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之后每隔 90 天, 你会收到这些药的邮寄包裹。
04:01
Every 90 days, medication, medication, medication.
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每 90 天,药,药,药。
04:04
And this online pharmacy wants to switch people
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之后这个网上药店
04:07
from branded medication to generic medication.
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想要让人们 从品牌药换成仿制药。
04:11
So they send people letters, and they say,
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所以他们给人们寄了信,说:
04:13
"Please, please, please, switch to generics.
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“拜托,拜托,拜托, 换成仿制药。
04:15
You will save money, we will save money, your employer will save money."
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由此你可以省钱,我们可以省钱, 你的雇主也能省钱。”
04:19
And what do people do?
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人们什么反应?
04:20
Nothing.
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没有任何反应。
04:21
So they try all kinds of things and nothing happens.
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之后他们尝试了各种方法, 依旧没有任何改变发生。
04:24
So for one year, they give people an amazing offer.
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后来,他们给人们 一个一年期的很棒的优惠。
04:27
They send people a letter, and they say,
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他们给人们寄了一封信,说:
04:29
"If you switch to generics now, it will be free for a whole year."
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“如果你们现在改成仿制药, 可以免去一整年的药费。”
04:33
Free for a whole year. Amazing!
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一整年免费。多棒啊!
04:35
What percentage of people do you think switched?
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你觉得有多少人改了处方?
04:39
Less than 10 percent.
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不到 10%。
04:41
At this point, they show up to my office.
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这时候,他们跑来我的办公室。
04:43
And they come to complain.
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他们开始抱怨。
04:45
Why did they pick me?
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他们为什么选择我?
04:46
I wrote a couple of papers on the "allure of free."
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因为我写了几篇 关于“免费的诱惑”的研究论文。
04:49
In those papers, we showed that if you reduce the price of something
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在那些文章中,我们表明 如果你给某个东西降价,
04:52
for, let's say, 10 cents to one cent, nothing much happens.
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假如我们说 10 分到 1 分钱, 不会有太多变化。
04:55
You reduce it from one cent to zero, now people get excited.
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如果你从 1 分降价到不要钱, 人们就会开始激动起来。
04:58
(Laughter)
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(笑声)
05:00
And they said, "Look, we read these papers on 'free,' we gave 'free.'
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之后他们说:“看,我们读了那些 关于‘免费’的文章,所以我们‘免费’给药。
05:03
Not working as we expected.
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这并不如我们预期,
05:04
What's going on?"
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究竟怎么回事?”
05:06
I said, "You know, maybe it's a question of friction."
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我说:“你知道, 这可能是一个摩擦的问题。”
05:09
They said, "What do you mean?"
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他们说:“什么意思?”
05:11
I said, "People are starting with branded.
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我说:“人们最初开的是品牌药。
05:13
They can do nothing and end with branded.
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他们可以什么都不做, 一直开着品牌药。
05:15
To move to generic, they have to choose generic over branded,
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如果要改成仿制药, 他们必须选择仿制药,
05:19
but they also have to do something.
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而且他们必须有行动,
05:21
They have to return the letter."
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他们需要给你们回信。”
05:22
So this is what we call a "confounded design."
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所以这就是我们说的 “混杂设计”。
05:25
Two things are happening at the same time.
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两件事同时发生。
05:27
It's branded versus generic,
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即,品牌药 vs 仿制药。
05:29
but it's doing nothing versus doing something.
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但实际却是 无行动 vs 有行动。
05:32
So I said, "Why don't we switch it?
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所以我说: “我们为什么不调换过来?
05:34
Why don't we send people a letter and say, 'We're switching you to generics.
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为何不给人们寄封信,告诉他们: 我们将要把你的处方改成仿制药。
05:38
You don't need to do anything.
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你不需要做任何事情。
05:39
If you want to stay with branded, please return the letter.'"
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如果你想要保留品牌药的选择, 请给我们回信。”
05:42
(Laughter)
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(笑声)
05:43
Right?
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对吧?
05:45
What do you think happened?
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现在你认为什么情况会发生?
05:48
Lawyers, lawyers happened.
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律师,律师找上门了。
05:50
(Laughter)
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(笑声)
05:56
It turns out, this is illegal.
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结果证明,这种做法并不合法。
05:57
(Laughter)
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(笑声)
06:03
By the way, for brainstorming and creativity,
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顺便说一下,为头脑风暴和创新,
06:06
doing things that are illegal and immoral, it's fine,
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做不合法不道德的事情, 没有关系,
06:08
as long as it's just in the brainstorming phase.
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只要这些事情 仅停留于头脑风暴的层面。
06:12
(Laughter)
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(笑声)
06:13
But this was the purity of the idea,
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但这是那想法最纯粹的地方。
06:15
because the initial design was the branded had the no-action benefit.
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因为这个原始设计是 品牌药有不作为的好处。
06:19
In my illegal, immoral design, generic had the no-action benefit.
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在我违法、不道德的设计中, 仿制药有了不作为的好处。
06:23
But they agreed to give people a T-intersection:
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但是他们同意给人们双向选择:
06:26
send people a letter and say,
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给他们寄一封信,并说:
06:28
"If you don't return this letter,
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“如果你不寄回这封信,
06:30
we will be forced to stop your medications.
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我们将会被迫停止您的药物订阅。
06:33
But when you return the letter, you could choose branded at this price,
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但当你寄回这封信, 你可以选择付这么多钱买品牌药,
06:36
generic at this price."
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那么多钱仿制药。”
06:38
Now people had to take an action.
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现在人们必须做出行动,
06:40
They were on even footing. Right?
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他们甚至加快了行动。对吧?
06:42
It wasn't that one had the no-action benefit.
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这情况下不作为好处没了。
06:44
What percentage do you think switched?
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那么,有多少人换了?
06:48
The vast majority switched.
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大多数人都换了。
06:50
So what does it tell us?
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所以这告诉我们什么?
06:51
Do people like generics, or do we like branded?
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人们喜欢仿制药, 或者喜欢品牌药?
06:54
We hate returning letters.
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我们讨厌回信。
06:56
(Laughter)
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(笑声)
06:58
This is the story of friction: small things really matter.
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这是关于摩擦的故事: 小事,但重要。
07:02
And friction is about taking the desired behavior
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摩擦的意思是 思考着预期行为,
07:06
and saying: Where do we have too much friction
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之后想:哪里存在太多摩擦
07:08
so it's slowing people down from acting on it?
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减慢了人们采取行动的速度?
07:11
And every time you see that the desired behavior
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之后每次你都会看到 那个预期行为
07:13
and the easy behavior are not aligned,
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和容易的行为不一致,
07:15
it means we want to try and realign them.
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这说明我们想要尝试, 并重新调整那些行为。
07:18
That's the first part. We talked about friction.
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这是第一部分, 我们讲了摩擦。
07:20
Now let's talk about motivation.
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现在来谈谈动力。
07:22
In this particular study,
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在这个特别的研究中,
07:24
we were trying to get very poor people in a slum called Kibera in Kenya
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我们尝试着让肯尼亚的 基贝拉贫民窟里非常贫穷的人们
07:28
to save a little bit of money for a rainy day.
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存一点点钱,以备不时之需。
07:31
You know, if you're very, very poor, you have no extra money,
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你知道,如果你非常非常贫穷, 你不会有一点多余的钱,
07:34
you live hand to mouth,
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你只能勉强度日,
07:35
and from time to time, bad things happen.
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有时,坏事还会发生。
07:37
And when something bad happens, you have nothing to draw on, you borrow.
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当坏事发生的时候, 你没有任何依靠,所以你借钱。
07:42
The Kibera people can borrow at sometimes up to 10 percent interest a week.
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基贝拉的人们有时会借那种 高达 10% 周利率的钱。
07:48
And then, of course, it's really hard to get out of it.
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之后,当然, 就很难脱离这种窘境。
07:51
You live hand to mouth, something bad happens,
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你勉强度日,坏事发生,
07:53
you borrow, things get worse and worse and worse.
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你借钱,情况变得更糟, 之后更糟,更糟。
07:56
So we wanted people to keep a little bit of money for a rainy day.
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所以我们想要让人们 存下一点点钱备用。
08:00
And we thought about what is the motivation,
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我们考虑了 他们做这事的动力是什么,
08:02
what is the fuel that we need to add?
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我们还需要加入一些 什么动力因素?
08:05
And we tried all kinds of things.
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我们尝试了各种东西。
08:07
Some people, we texted them once a week and said,
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有些人, 我们每周发消息给他们并说:
08:09
"Please try to save 100 shillings" -- about a dollar -- "this week."
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“请尝试着存下 100 先令”—— 大约 1 美金——“这周。”
08:14
Some people, we sent a text message as if it came from their kids.
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有些人,我们给他们发 仿佛是他们的孩子发来的消息。
08:19
So it said, "Hi Mom, hi Dad, this is little Joey" --
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所以短信写着,“爸爸妈妈, 我是小乔伊,”——
08:22
whatever the name of the kid was --
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不管孩子的名字是什么——
08:24
"Try and save 100 shillings this week for the future of our family."
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“这周请尝试着存下 100 先令, 为了我们家的未来。”
08:28
Right? I'm Jewish, a little bit of guilt always works.
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对吧?我是犹太人, 愧疚感总是有帮助。
08:32
(Laughter)
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(笑声)
08:33
Some people got 10 percent.
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有的人拿了 10% 的利率。
08:35
"Save up to a hundred shillings, we'll give you 10 percent."
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“请存下 100 先令, 我们将会给你们 10% 利息。”
08:38
Some people got 20 percent.
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有的人拿了 20%。
08:40
Some people got also 10 percent and 20 percent,
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有些人同时拿了 10% 和 20%,
08:42
but they got it with loss aversion.
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但他们是通过损失厌恶而获得的。
08:45
What is loss aversion?
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什么是损失厌恶?
08:46
Loss aversion is the idea that we hate losing
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损失厌恶就是 我们讨厌输钱的程度
08:48
more than we enjoy gaining.
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远大于我们享受赢钱的程度。
08:50
Now, think about somebody who is in a 10-percent condition
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现在,想一下 在 10% 条件下的某个人
08:53
and they put 40 shillings in.
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存了 40 先令,
08:55
They put 40 shillings, we give them four more,
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他们存了 40 先令, 我们给他们额外的 4 先令。
08:57
they say thank you very much.
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他们说“非常感谢。”
08:59
That person gave up six.
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其实那个人损失了 6 先令。
09:00
They could have gotten six more if they gave a hundred,
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如果他们能存 100, 本可以拿额外的 6 先令,
09:03
but they don't see it.
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但是他们看不到。
09:05
So we created what we call pre-match.
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所以我们搞了个实验前匹配。
09:07
We put the 10 shillings in at the beginning of the week.
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我们在一周开始的时候 把 10 先令放在他们跟前,
09:10
We said, "It's waiting for you!"
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说:“它在等着你!”
09:11
And then if somebody puts 40 in, we say, "Oh, you put 40 in,
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之后如果有人存进 40, 我们会说:“喔,你存了 40 ,
09:14
we're leaving four, and we're taking six back."
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可以给你 4 先令, 另外的 6 先令我们拿走了。”
09:17
So in both cases, pre-match or post-match,
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所以这两个情况, 实验前、或后的匹配,
09:20
people get 10 percent.
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人们都拿到了 10%。
09:22
But in the pre-match,
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但是在实验前匹配中,
09:23
they see the money they did not match leaving their account.
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他们看到了不匹配的钱 消失在他们的账户上。
09:27
So we have text, text from kids, 10 percent, 20 percent,
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我们尝试了短信、来自孩子的短信、 10% 和 20% 现金奖励,
09:30
pre-match, post-match.
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实验前和实验后匹配。
09:32
And we had one more condition.
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我们还另加了一个条件。
09:34
It was a coin about this size,
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那是一枚硬币, 大概这样的大小,
09:36
with 24 numbers written on it.
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上面写有 24 个数字。
09:39
And we asked them to put the coin somewhere in their hut,
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我们叫他们把这枚硬币 放在屋子里的某个地方,
09:42
and every week, take a knife and scratch the number for that week --
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之后每个星期,拿把刀 在硬币上划掉一个数字——
09:46
week one, two, three, four --
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第 1 周, 第 2、3、4周——
09:48
scratch it like a minus if they didn't save
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像减法符号一样横着划线, 如果他们没有存钱,
09:50
and scratch it up and down if they saved.
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之后他们如果存钱了, 就上下划线。
09:53
Now, think to yourself:
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现在,你想想:
09:55
Which one of those methods do you think worked the best?
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哪一个方法最有效?
09:58
Text, text from the kids, 10 percent, 20 percent,
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短信、来自孩子的短信、
10:00
beginning of the week, end of the week, and the coin?
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每周 10% 和 20% 现金奖励, 以及硬币?
10:03
I'll tell you what the average people think.
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我可以告诉你们普遍人们的想法。
10:05
We've done these studies of prediction,
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我们做了这样一个预测研究,
10:07
both in the US and in Kenya.
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在美国和肯尼亚。
10:09
People think that 20 percent will get a lot of action,
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人们认为 20% 的方法 能鼓励大家存钱,
10:12
10 percent less,
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10% 鼓励力度少一些,
10:13
the rest of it will do nothing --
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其余的没有用——
10:15
kids, coin, doesn't matter.
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孩子,硬币,不重要。
10:19
People think loss aversion will have a small effect.
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人们认为损失厌恶的影响很小。
10:22
What actually happened?
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但实际上?
10:24
Sending a text reminder once a week
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每周一次的短信
10:27
helps a lot.
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帮助程度很大。
10:28
Good news!
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好消息!
10:30
This program lasted six months. People forget. Reminding people is great.
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这个项目持续了 6 个月。 人们会忘记,提醒他们很好。
10:34
Ten percent at the end of the week helped some more.
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一周结束时的 10% 帮助更大。
10:37
Financial incentives work.
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金钱激励是有用的。
10:39
Twenty percent at the end of the week -- just like 10 percent, no difference.
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一周结束时的 20% —— 就和 10% 一样,没有差别。
10:43
Ten percent in the beginning of the week
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一周开始时的 10%,
10:45
helps some more.
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帮助更大。
10:46
Loss aversion works.
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损失厌恶有用。
10:48
Twenty percent in the beginning of the week,
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一周开始时的 20%,
10:50
just like 10 percent in the beginning of the week, no difference.
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就和一周开始时的 10% 一样, 没有什么差别。
10:53
And the text message from the kids was just as effective
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之后来自孩子的短信 就和 20% 外加损失厌恶
10:56
as 20 percent plus loss aversion --
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一样有效——
10:59
which is amazing, right?
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这很令人惊讶,对吧?
11:01
It's amazing how motivating messages from kids were.
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孩子的短信如此激励人们, 是一件多棒的事。
11:04
And one conclusion is we don't use kids enough.
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所以还有一个结论就是: 我们还没有充分利用孩子。
11:07
(Laughter)
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(笑声)
11:09
And, of course, I don't mean in a child labor sense.
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当然,我不是指使用童工。
11:16
But if you think about parents and their kids,
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但是如果你想想家长和孩子,
11:18
we are the best that we can for our kids,
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我们能为孩子们做到最好。
11:21
and we think about the future,
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我们再想想未来,
11:22
and I think we should think
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我觉得我们应该思考
11:24
about how to use that amazing source of motivation
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如何利用人们的动力源泉
11:27
to get parents to behave in a better way.
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让家长们表现得更好。
11:30
But the big surprise of this study was the coin.
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但这个研究中的大惊喜 是这个硬币。
11:33
The coin basically doubled savings compared to everything else.
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使用硬币方法的, 他们的存款是别的方法的 2 倍。
11:37
And now the question is: Why? What was it about the coin?
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现在问题是: 为什么?硬币有什么奇特之处?
11:41
So I'll tell you how I started thinking about the coin,
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所以让我现在来和你说 我是怎么开始思考那个硬币的,
11:43
and then we'll come back to it.
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之后再回来解决这个问题。
11:45
So you know, when I do research on, let's say, buying coffee,
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当我做关于买咖啡的研究时,
11:48
I don't need to go anywhere. I can sit in my office.
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我不需要去任何地方。 我可以就坐在办公室。
11:50
I've bought enough coffee. I know how it works.
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我已经买了足够多的咖啡, 也知道整个流程是什么。
11:52
The details, I'm familiar with.
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细节,我很熟悉。
11:54
When you do research in some of the poorest places in the world,
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当你在一些世界上 最贫穷的地方做研究时,
11:58
you have to go and visit and see what's going on
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你必须亲自实地调查, 看看那里的情况,
12:00
and get some insight about how the system works.
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获得有关系统如何运转的 一些见解,
12:03
And on that particular day,
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之后就在那一天,
12:04
I'm in a place called Soweto in South Africa,
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我在南非一个叫索韦托的地方,
12:07
and I'm sitting in a place that sells funeral insurance.
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坐在一个卖丧葬保险的地方。
12:11
You know, in the US people spend crazy amounts of money on weddings?
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你知道,在美国, 人们都是在婚礼上砸大把金钱。
12:15
In South Africa, it's funerals.
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但在南非,是葬礼。
12:18
People spend up to a year or two years of income on funerals.
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人们会为葬礼 花掉一到两年的收入。
12:23
And I sit in this place --
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之后我坐在这里面——
12:26
by the way, before you judge the South Africans as being irrational with this,
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顺便说一下,在你评价南非人 针对葬礼的行为“不理性”之前,
12:31
I just want to remind you
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我只想提醒你
12:32
that spending a lot of money on funerals compared to weddings,
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相比花很多钱在婚礼上, 花大手笔在葬礼上
12:36
at least you know for sure you only have one.
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至少你可以确认一生只有一次。
12:38
(Laughter)
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(笑声)
12:48
OK, so I sit in this place that sells funeral insurance.
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好吧,所以我坐在 卖丧葬保险的地方。
12:53
And this guy comes in with his son -- his son is about 12 --
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之后一个男子和他的儿子进来—— 他的儿子大约 12 岁——
12:57
and he buys funeral insurance for a week.
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3259
他买了一个礼拜的丧葬保险。
13:00
It will cover 90 percent of his funeral expense
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如果他在未来 7 天内死亡,
13:03
only if he dies in the next seven days.
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能报销 90% 他的丧葬费用。
13:06
Right? These are very poor people, they buy small amounts of insurance
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对吧?这些是非常贫穷的人们, 他们买非常小额的保险
13:09
and small amount of soap and such.
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1661
以及少量肥皂,诸如此类。
13:11
And he gets that certificate,
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当他拿到那个保险证书,
13:13
and in a very ceremonious way, he gives it to his son.
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他非常隆重地将证书 递给了他儿子。
13:16
And as he gives it to his son, I think to myself, why the ceremony?
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当他递出的时候, 我在想,为什么这么隆重?
13:19
What is this father doing?
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这父亲在做什么?
13:21
Now, think about the breadwinner that decides on that particular day
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4035
现在,想想这个养家糊口的人 在特定的那天
13:25
to direct some money into insurance or savings.
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决定把钱放进保险或存款。
13:28
What is the family going to see tonight?
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这家人今晚将会经历什么?
13:31
They're going to see less.
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他们将会看到更少的东西。
13:33
Right? At that level of poverty, there'll be less food, less kerosene, less water --
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4058
对吧?那样程度的贫困, 更少的食物、煤油,和水——
13:37
something less tonight.
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有些东西今晚会变少。
13:39
And what his father was doing and what our coin was trying to do
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3263
之后他的父亲所为, 以及我们研究中硬币尝试做的
13:42
is to say, yes, there's less food on the table,
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2568
是为了说,没错, 餐桌上更少的食物,
13:45
but there's another activity.
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1647
但是,还有另一个活动。
13:47
You see, what happened is, there are many good, important economic activities,
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3790
发生的事情是, 这里有不少很好且重要的经济活动,
13:51
like savings and insurance, that are invisible.
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2528
例如存款、保险, 它们都是不可见的。
13:54
And now the question is: How do we make them visible?
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2879
那现在的问题就是: 我们如何让它们变得可见?
13:58
So let's go back to our rocket model.
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所以让我们回到开始的火箭模型。
14:02
We have to, first of all, look at the system
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我们必须,首先,看看系统
14:04
and see where there's little things we can fix, with friction,
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3699
并且看看其中哪些地方, 利用摩擦,是我们可以改进的,
14:08
where is there that we can remove friction?
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2356
我们在哪里能够消除摩擦?
14:10
And then the next thing we want to do is to think broadly about the system,
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3852
在这之后,我们想做的下一件事 就是广泛地思考这个系统,
14:14
and say: What other motivations can we bring in?
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3383
并说:我们可以加入 什么其它的动力因素?
14:18
And that's a much more difficult exercise,
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2022
这是一个困难很多的操作,
14:20
and we don't always know what would work best.
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2522
并且我们不总是知道 什么最管用。
14:22
Is it going to be money? Is it going to be loss aversion?
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2692
会是钱吗? 会是损失厌恶吗?
14:25
Is it going to be something that is visible?
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2079
会是某个可见的东西吗?
14:27
We don't know, and we have to try different things.
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我们不知道, 所以我们要不断尝试不同的东西。
14:30
We also have to realize that our intuition sometimes misleads us.
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我们也需要意识到 我们的直觉有时会误导我们。
14:33
We don't always necessarily know what would work the best.
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我们并不总是知道 怎么做效果最好。
14:37
So if we think about this gap
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1878
所以,如果我们回想开篇说的
14:39
between where we could be and where we are,
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我们在哪个水平和 我们将能达到哪个水平的差距,
14:41
it's a really sad thing to see this gap and to think about it.
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3729
看着这个差距,并且思考这件事, 真的非常令人难过。
14:44
But the good news is, there's lots we can do.
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2401
但好消息是, 还有很多我们能做的事。
14:47
Some of the changes are easy, some of the changes are more complex.
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有的改变是简单的, 有的改变会更加复杂。
14:51
But if we'll attack each problem directly,
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2657
但如果我们能直接击破每个问题,
14:53
not by just providing more information to people
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不仅是通过给人们提供更多信息,
14:57
but trying to change the friction,
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而且尝试着改变摩擦,
14:59
add motivation,
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加强动力,
15:00
I think we can ...
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我想我们可以……
15:01
Can we close the gap? No.
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我们能弥补差距吗?不能。
15:03
But can we get much better? Absolutely, yes.
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但我们能做得更好吗? 绝对可以。
15:06
Thank you very much.
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非常感谢。
15:07
(Applause)
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(掌声)
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这个网站将向你介绍对学习英语有用的YouTube视频。你将看到来自世界各地的一流教师教授的英语课程。双击每个视频页面上显示的英文字幕,即可从那里播放视频。字幕会随着视频的播放而同步滚动。如果你有任何意见或要求,请使用此联系表与我们联系。

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