By walking back a mere 160, 000 years-an eyewink in our evolutionary journey-we had stripped humanity of one of its defining attributes: innovation.

16万年，在人类的进化史上不过是一瞬间而已，但通过回溯这段历史，我们揭开了定义人性的属性之一：革新性。

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We're not talking about a Japanese-style eyewink at genuinely bad loans but an easing up on loans that are still being serviced by customers.

FORBES: Fact and Comment