第三，考虑到现代金融的担责范围，其成本与收益的平衡点在哪里，如何才能对其进行改善？

Third, to the extent that modern finance does bear the blame, what is the balance between its costs and its benefits, and how can it be improved?

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他们说，恐怖袭击更少了，但成本与效益的平衡依然很差——收益约为开支的5%-8%。

There were fewer terrorist attacks, they say, but the balance of costs and benefits is still poor—between five and eight cents of benefit for every dollar spent.

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