10年来作为一个企业家，我听到了很多人们为什么不开创自己的事业的借口，这些借口还出自十分聪明的人的口中。
In the 10 years I've been an entrepreneur I've heard a lot of excuses from very intelligent people as to why they haven't started a business.
但是，这对于聪明的政策制定者来说更像一个借口而不是减少利率理由。
But this is more a plea for wiser policymakers than a case against reducing rates.
一个聪明的孩子没有什么借口可以为他在学校里得到糟糕的成绩辩护。
A bright pupil has no excuse for getting bad marks in school.
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