效率工资：有时候雇主付给工人的薪资不仅仅是由供给或需求决定的。
Efficiency wages: Sometimes the wage workers are paid by their employer is not determined by just supply or demand.
像其他商品那样，货币在自由市场上的价格是由供给和需求决定的。
In a free market the price of money is determined by supply and demand, just like the price of other goods.
我认为尼亚尔·福格森是这么想的：他认为利率是由储蓄的供给和需求决定的。
Here's what I imagine Niall Ferguson was thinking: he was thinking of the interest rate as determined by the supply and demand for savings.
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