First, you have to have a really clear, realistic picture of your financial life and understand the specific risks you are willing to take.

第一，你必须对你的财务人生有一个非常清晰和现实的了解，并了解你愿意承担的特定风险。

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This often provides a more realistic picture of what might happen in production, where users may simply close their browser instead of formally logging off.

通常这更符合现实的情况，用户可能只是简单地关闭他们的浏览器，而不是严格地退出。

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What makes both studies so potentially important is that they're based on a more realistic picture of conditions on early earth.

是什么使得这项研究如此重要呢？那就是它们是建立在早期地球更一般的现实环境的基础之上。

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