" ... the parent or inventor of an art is not always the best judge of the utility or inutility of his own inventions to the users of them...this discovery of yours will create forgetfulness in the learners' souls, because they will not use their memories; they will trust to the external ... and not remember of themselves. The specific which you have discovered is an aid not to memory, but to reminiscence, and you give your disciples not truth, but only the semblance of truth; they will be hearers of many things and will have learned nothing; they will appear to be omniscient and will generally know nothing; they will be tiresome company, having the show of wisdom without the reality."
from The Phaedrus, a dialogue between Socrates and Phaedrus, on the invention of writing. c 370 BC.
Socrates’ bottom line: Introducing the new invention of writing to education is bad, because it will change things.
花旗集團財務長 柯瑞騰 （ Gary Crittenden ）說：「如果失業繼續增加，信用卡淨壞帳率可能超過歷史水準。」
Citigroup Chief Financial Officer John Kerry Teng (Gary Crittenden), said: "If unemployment continues to increase, the net credit card default rate is likely to exceed the standard of history."