They talk to business experts, lawyers and other knowledgeable people.

VOA: special.2009.06.26

Through experiences of positive emotions, people transform themselves, becoming more creative, knowledgeable, resilient, socially integrated, " and healthy individuals."

通过体验积极情绪，人们实现改变，变得更有创造力，更博学，适应性更强，更易融入社会，获得更健康的人格“

哈佛公开课 - 幸福课课程节选

The problem, of course, with the democratization of finance is that if you raise the participation in financial markets, then you bring in people who are: less and less knowledgeable; less and less understanding of concepts of finance; and less capable and more vulnerable to exploitation.

问题在于,随着金融的民主化,越来越多的人参与到金融市场里来,有些人,受教育程度较低,对金融概念不了解,没有专业能力且容易被人利用

耶鲁公开课 - 金融市场课程节选