Such thoughts underline an important truth about collective intelligence: Crowds tend to be wise only if individual members act responsibly and make their own decisions.

这些思想都强调了一个关于群体智慧的重要真理，即只有在个体成员行动负责并能做出自己的决定的条件下，群体才能更具智慧。

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The disaster in the housing and mortgage markets shows that free markets don't always get incentives right or generate the information people need to make wise decisions.

住房和抵押贷款市场的灾难显示，自由市场并不总是能萌生正确动机，也不能总是给予人们所做出明智选择的信息。

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It is wise to examine earthquake hazards everywhere in the US, and to make prudent decisions about when it makes sense to replace or shore up vulnerable buildings.

评价美国各地地震的危害程度，以及谨慎决策何时更换或加固不坚固的建筑物是十分重要的。

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While states and colleges share responsibility to keep down the rising cost of college, improved consumer disclosures can ensure that students and families make wise decisions when investing in higher education.

WHITEHOUSE: The White House

For providers and clinicians to shift successfully towards Accountable Care and conquer challenges like ICD-10 and meaningful use, we need to simplify how to access, analyze and make data actionable so providers and clinicians can make wise patient care decisions.

FORBES: Doctor 2.0: How Technology Will Transform Medicine In 2013

At Hillsdale College, where this reporter has taught, President Larry Arnn says the increasing resort to complex codes deprives leaders of the discretion they need to make wise and fair decisions.

WSJ: McGurn: NCAA Fumbles Penn State Case