好了，这就是我的十条建议，或许你们觉得这些建议的价值，如同你花在他们上面的成本一样一文不值。但是这些是来自于同你们一样对这所大学有深厚感情的，并且愿你们未来能交好运的人。
最后，毕业生们，给他们点颜色看看。
·Life is amazingly unpredictable.
人生确实难以预料。
·Those life stories will in almost all cases be quite different，in large and small ways，from what they expected when they started out.This is a good thing，not a bad thing；who wants to know the end of a story that’s only in its early chapters？Don‘t be afraid to let the drama play out.
他们的人生故事都会或多或少的在各个方面与预期相异。这是好事而不是坏事，谁想在故事的开篇就知道结局呢？不要害怕让故事层层展开。
·Whatever life may have in store for you，each of you has a grand，lifelong project，and that is the development of yourself as a human being.
无论未来人生如何，它将是一个宏大和漫长的项目，是你个人的发展过程。
·A meritocracy is a system in which the people who are the luckiest in their health and genetic endowment；luckiest in terms of family support，encouragement，and，probably，income；luckiest in their educational and career opportunities；and luckiest in so many other ways difficult to enumerate-these are the folks who reap the largest rewards.
精英是在健康和基因上最幸运的人，他们在家庭支持、鼓励上，或在收入上也是最幸运的，他们在教育和就业机遇上也最幸运，他们在很多方面都最幸运，这才能获得最大的成就。
·The only way for even a putative meritocracy to hope to pass ethical muster，to be considered fair，is if those who are the luckiest in all of those respects also have the greatest responsibility to work hard，to contribute to the betterment of the world，and to share their luck with others.
这种精英体系，哪怕是一个仅为推定的精英体系要让其承受得了道德议论被认作是公平的，要看这些精英是否尽义务去努力工作、致力于建设更好的世界，并与他人分享幸运。
·Those most worthy of admiration are those who have made the best use of their advantages or，alternatively，coped most courageously with their adversities.
最令人敬佩的人是那些充分利用其优势，或勇敢面对逆境的人
·Honest error in the face of complex and possibly intractable problems is a far more important source of bad results than are bad motives.
在复杂及难于处理的问题上犯错是正常的，其实糟糕结果的主要原因，而非不良动机。
·Economics is a highly sophisticated field of thought that is superb at explaining to policymakers precisely why the choices they made in the past were wrong.
经济学是颇具诡辩性的思维领域，它擅长向决策者进行准确的解释，为何他们过去制定的决策是错的。
·However，careful economic analysis does have one important benefit，which is that it can help kill ideas that are completely logically inconsistent or wildly at variance with the data.
然而，谨慎的经济分析确有重要益处，它能去除那些不合逻辑或与数据不符的想法。
·if you are part of the lucky minority with the ability to choose，remember that money is a means，not an end.A career decision based only on money and not on love of the work or a desire to make a difference is a recipe for unhappiness.
如果你属于那些幸运得有能力进行抉择的少数人，请记住，金钱只是途径，而非最终目标。钱不是因为爱好或者是追求卓越而做出的职业选择，这也成为日后苦恼的根源。
·Nobody likes to fail but failure is an essential part of life and of learning.If your uniform isn’t dirty，you haven‘t been in the game.
没有人希望失败，但失败是生活和学习的一部分。如果你衣衫整齐，那就说明你并没有进入比赛。
文化采撷
美国联邦储备局（FED）
美国联邦储备局（Federal Reserve System——FED）为美国最高货币政策主管机关，负责保管商业银行准备金、对商业银行贷款及发行联邦储备券。FED共分三层组织，最高为理事会，旗下是12个联邦储备银行和各储备银行的会员银行。美联储是私有制银行，全部股份为私人所有。
联邦储备局的历史发展进程：
·1791年至1811年美国第一银行
·1811年至1816年美国中央银行
·1816年至1836年美国第二银行
·1837年至1862年自由银行时代
·1846年至1921年独立的财政制度
·1863年至1913年国家银行
·1913年至今美国联邦储备局
美联储历任主席，令人惊叹的是几乎全部是犹太人。