I don't know these things personally, but it's my understanding that the whole structure is suffering some moral hazard problems and that they're evolving and trying to improve the institutions.

我没有亲身考察过，但我的理解是,这整个体系遭遇着道德风险的挑战,并且人们不断改进,尝试着改善机制。

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So, who are here to really learn and push themselves and think outside the box ,

所以，那些刻苦学习，能不断挑战自己，发挥创意的人，

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