When the housing market is in decline, the ability to sell houses drops dramatically.

当住房市场衰退时,房屋销售量就会急剧下降

耶鲁公开课 - 金融市场课程节选

You start--Your human capital is your ability to do things and your knowledge, which is what you have to sell in the marketplace.

人力资本就是,你做事的能力以及你的知识，这些是你在人才市场上的资本。

耶鲁公开课 - 金融市场课程节选