来自《耶鲁大学开放课程：金融市场 第3集 第3集》

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  and everything was bureaucratic and efficient--
  所有的一切都行之有效
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  and they calculated, according to a formula, what you would get.
  然后他们根据公式计算你能得到养老金
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  It was a real insurance system
  这是真正意义上的保险制度
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  and they would pay you in your retirement.
  然后他们会支付你的养老金
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  The London Times, in 1889,
  伦敦时报在1889年
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  said this is going to be a fiasco,
  曾预言这绝对行不通
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  there are going to be so many mistakes,
  将会有许多大大小小的问题
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  and there are going to be so many complaints that
  人们会对此怨声载道
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  this whole system is going to crumble and fall;
  然后整个体系土崩瓦解
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  but it didn't, it actually worked.
  然而这些都未发生 这个体系运转良好
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  Before long, the U.K. copied it.
  不久 英国也开始效仿
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  The U.S. was practically the last country to copy this system
  美国几乎算是最后一个效仿此体系的国家