请双击下面的英文字幕来播放视频。
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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2317
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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2609
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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2173
你勉强度日,坏事发生,
07:53
you borrow, things get worse
and worse and worse.
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2766
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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3357
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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1791
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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2598
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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4093
“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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3407
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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1767
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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3945
“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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3580
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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1843
有的人拿了 10% 的利率。
08:35
"Save up to a hundred shillings,
we'll give you 10 percent."
189
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2849
“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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1685
有的人拿了 20%。
08:40
Some people got also
10 percent and 20 percent,
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2654
有些人同时拿了 10% 和 20%,
08:42
but they got it with loss aversion.
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2273
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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2595
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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1736
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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2727
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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1921
存了 40 先令,
08:55
They put 40 shillings,
we give them four more,
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2187
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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1452
他们说“非常感谢。”
08:59
That person gave up six.
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1730
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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2599
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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1584
但是他们看不到。
09:05
So we created what we call pre-match.
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2427
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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2665
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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550252
1550
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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2966
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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554816
2591
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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3003
所以这两个情况,
实验前、或后的匹配,
09:20
people get 10 percent.
209
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1698
人们都拿到了 10%。
09:22
But in the pre-match,
210
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1444
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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3093
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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2922
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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1587
实验前和实验后匹配。
09:32
And we had one more condition.
214
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1967
我们还另加了一个条件。
09:34
It was a coin about this size,
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2370
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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2053
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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3463
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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3301
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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2104
第 1 周,
第 2、3、4周——
09:48
scratch it like a minus
if they didn't save
220
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2499
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.
221
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2258
之后他们如果存钱了,
就上下划线。
09:53
Now, think to yourself:
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1264
现在,你想想:
09:55
Which one of those methods
do you think worked the best?
223
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3320
哪一个方法最有效?
09:58
Text, text from the kids,
10 percent, 20 percent,
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598420
2371
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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2560
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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2105
我可以告诉你们普遍人们的想法。
10:05
We've done these studies of prediction,
227
605528
1987
我们做了这样一个预测研究,
10:07
both in the US and in Kenya.
228
607539
2094
在美国和肯尼亚。
10:09
People think that 20 percent
will get a lot of action,
229
609657
2944
人们认为 20% 的方法
能鼓励大家存钱,
10:12
10 percent less,
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612625
1242
10% 鼓励力度少一些,
10:13
the rest of it will do nothing --
231
613891
1836
其余的没有用——
10:15
kids, coin, doesn't matter.
232
615751
2725
孩子,硬币,不重要。
10:19
People think loss aversion
will have a small effect.
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619048
2640
人们认为损失厌恶的影响很小。
10:22
What actually happened?
234
622677
1260
但实际上?
10:24
Sending a text reminder once a week
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624861
2172
每周一次的短信
10:27
helps a lot.
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627057
1209
帮助程度很大。
10:28
Good news!
237
628848
1158
好消息!
10:30
This program lasted six months.
People forget. Reminding people is great.
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630030
3599
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.
239
634088
2945
一周结束时的 10%
帮助更大。
10:37
Financial incentives work.
240
637057
1398
金钱激励是有用的。
10:39
Twenty percent at the end of the week --
just like 10 percent, no difference.
241
639033
4000
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
242
643625
1957
一周开始时的 10%,
10:45
helps some more.
243
645606
1157
帮助更大。
10:46
Loss aversion works.
244
646787
1198
损失厌恶有用。
10:48
Twenty percent in
the beginning of the week,
245
648009
2071
一周开始时的 20%,
10:50
just like 10 percent in the beginning
of the week, no difference.
246
650104
3075
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
247
653203
2978
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 --
248
656205
3214
一样有效——
10:59
which is amazing, right?
249
659443
1658
这很令人惊讶,对吧?
11:01
It's amazing how motivating
messages from kids were.
250
661125
3328
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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3350
所以还有一个结论就是:
我们还没有充分利用孩子。
11:07
(Laughter)
252
667851
2048
(笑声)
11:09
And, of course, I don't mean
in a child labor sense.
253
669923
5468
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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2374
但是如果你想想家长和孩子,
11:18
we are the best that we can for our kids,
255
678463
2619
我们能为孩子们做到最好。
11:21
and we think about the future,
256
681106
1491
我们再想想未来,
11:22
and I think we should think
257
682621
1480
我觉得我们应该思考
11:24
about how to use that amazing
source of motivation
258
684125
3111
如何利用人们的动力源泉
11:27
to get parents to behave in a better way.
259
687260
2551
让家长们表现得更好。
11:30
But the big surprise
of this study was the coin.
260
690847
2827
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.
261
693698
3250
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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697727
2682
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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701046
2656
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.
264
703726
1504
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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705254
2976
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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708254
2452
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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2213
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.
268
712967
1936
细节,我很熟悉。
11:54
When you do research in some
of the poorest places in the world,
269
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3107
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
270
718058
2279
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.
271
720361
2586
获得有关系统如何运转的
一些见解,
12:03
And on that particular day,
272
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1367
之后就在那一天,
12:04
I'm in a place called Soweto
in South Africa,
273
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2525
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.
274
727529
3623
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?
275
731990
3888
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.
276
735902
2007
但在南非,是葬礼。
12:18
People spend up to a year
or two years of income on funerals.
277
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4984
人们会为葬礼
花掉一到两年的收入。
12:23
And I sit in this place --
278
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2798
之后我坐在这里面——
12:26
by the way, before you judge the South
Africans as being irrational with this,
279
746734
4972
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
280
751730
1200
我只想提醒你
12:32
that spending a lot of money
on funerals compared to weddings,
281
752954
3304
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.
282
756282
2507
至少你可以确认一生只有一次。
12:38
(Laughter)
283
758813
3043
(笑声)
12:48
OK, so I sit in this place
that sells funeral insurance.
284
768000
5045
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 --
285
773069
3971
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.
286
777064
3259
他买了一个礼拜的丧葬保险。
13:00
It will cover 90 percent
of his funeral expense
287
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2630
如果他在未来 7 天内死亡,
13:03
only if he dies in the next seven days.
288
783475
2156
能报销 90% 他的丧葬费用。
13:06
Right? These are very poor people,
they buy small amounts of insurance
289
786353
3305
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.
290
789682
1661
以及少量肥皂,诸如此类。
13:11
And he gets that certificate,
291
791367
1803
当他拿到那个保险证书,
13:13
and in a very ceremonious way,
he gives it to his son.
292
793194
2670
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?
293
796456
3249
当他递出的时候,
我在想,为什么这么隆重?
13:19
What is this father doing?
294
799729
1528
这父亲在做什么?
13:21
Now, think about the breadwinner
that decides on that particular day
295
801281
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.
296
805340
2420
决定把钱放进保险或存款。
13:28
What is the family going to see tonight?
297
808587
2341
这家人今晚将会经历什么?
13:31
They're going to see less.
298
811939
1570
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 --
299
813533
4058
对吧?那样程度的贫困,
更少的食物、煤油,和水——
13:37
something less tonight.
300
817615
1855
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
301
819494
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,
302
822781
2568
是为了说,没错,
餐桌上更少的食物,
13:45
but there's another activity.
303
825373
1647
但是,还有另一个活动。
13:47
You see, what happened is, there are
many good, important economic activities,
304
827728
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.
305
831542
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?
306
834620
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.
307
838105
3732
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
308
842373
2274
我们必须,首先,看看系统
14:04
and see where there's little things
we can fix, with friction,
309
844671
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?
310
848394
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,
311
850774
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?
312
854650
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,
313
858057
2022
这是一个困难很多的操作,
14:20
and we don't always know
what would work best.
314
860103
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?
315
862649
2692
会是钱吗?
会是损失厌恶吗?
14:25
Is it going to be
something that is visible?
316
865365
2079
会是某个可见的东西吗?
14:27
We don't know, and we have
to try different things.
317
867468
2626
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.
318
870118
3066
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.
319
873208
3377
我们并不总是知道
怎么做效果最好。
14:37
So if we think about this gap
320
877099
1878
所以,如果我们回想开篇说的
14:39
between where we could be
and where we are,
321
879001
2184
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.
322
881209
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.
323
884962
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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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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