而大学毕业至关重要，因为它意味着更好的工作机会，更低的失业率和工资的大幅溢价。
This is important because a college degree is associated with better work opportunities, lower odds of unemployment, and a substantial wage premium.
大部分的基本研究表明，风险溢价应该是零是由杰里米·西格尔的宾夕法尼亚大学的沃顿商学院。
Much of the basic research suggesting that the risk premium should be zero was done by Jeremy Siegel of the University of Pennsylvania's Wharton School of Business.
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