应急基金没有什么特别让人兴奋的，每个投资者都应该在货币市场或储蓄帐户中预备出来这样一笔6至12个月的生活费。
There's nothing particularly exciting about an emergency fund, the six to 12 months worth of living expenses every investor should have stashed away in a money-market or savings account.
而详细的研究是建立在上个月发表的一项预备性研究的基础上，由包括大学和世界野生生物基金会在内的10个机构共同进行的。
The detailed study, which was conducted by 10 institutions including universities and the World Wildlife Fund, was built on a preparatory study published last month.
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