We have theories--mathematical theories-- that lead us to devise financial structures, which are complicated devices just like engines or nuclear reactors.

金融学中的理论,数学理论,能帮助我们构造金融工具,金融工具就像发动机,或者核反应堆一样,都是复杂的工具

耶鲁公开课 - 金融市场课程节选

They had to work on that, they had to devise-- they had to get an appraisal industry that could appraise houses and get some idea of what they're really worth.

他们得做些工作，他们要设计出-,他们不得不借助于评估机构,以便于鉴定房屋情况，并且得知一些,其真实价值的参考意见。

耶鲁公开课 - 金融市场课程节选

So, that means we have to devise ways of sharing with people that we've never met, that we don't care about--I mean, maybe we care about everybody, but we don't have any particular emotional ties to them-- and they're very different people.

那意味着我们必须设计一些方法,使我们与素未谋面的，并不亲近的人们一同分摊风险，也许我们非常博爱，但未必对所有人都会怀有特殊情感-,分摊者应该是与我们非常不同的人。

耶鲁公开课 - 金融市场课程节选