来自《耶鲁大学开放课程：博弈论 第13集 第13集》

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  I said any item of fruit that gets picked
  我说我们摘到的水果
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  that's in good condition we'll take it home for dinner,
  如果是品相完好的就带回家吃
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  but if it's squashed,
  如果是被压扁的
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  then we'll eat it then and there while we're picking the fruit.
  那我们就当场吃掉
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  So my three year old proceeded to go along the bushes of raspberries,
  结果我那个三岁的女人走到木梅丛中
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  picking the raspberry, turning around to me and saying "squashed"
  一边采摘木梅一边朝我说 压扁了
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  and putting it in her mouth: "squashed," "squashed,"
  然后就把它们送到自己的嘴里了
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  which shows that a three year old knows more
  看来在某种程度上一个三岁的小孩
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  than a professor about moral hazard at some level.
  比一个大学教授更了解道德风险啊
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  So one thing we can do is worry about
  所以当我们在撰写合同的时候
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  incentive design in the design of the contract.
  要注意一下激励设计的问题
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  There's another thing we can do here.
  其实我们还有别的办法