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The bank is not a pawnshop, the bank is a credit intermediary.

The strength of a nation's institutions is not just in their formal rules, but in the informal norms that govern behavior and the degree to which they are internalized by the population.

雇傭許多人去做一件復雜的事，往往是錯誤的。數量永遠不如質量 (三個臭皮匠不一定比一個諸葛亮強)，人多降低效率，增加成本。