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We all know what's good about it, so I'm going to talk about what's bad about it.
我們都知道它的好處。那么就讓我來說說它的不好之處吧。
All of this choice has two effects, two negative effects on people.
所有這些選擇對人們有兩個影響，而且是兩個負面的影響。
One effect, paradoxically, is that it produces paralysis, rather than liberation.
其一，說起來有些自相矛盾，就是，（選擇）給我們帶來的不是解放，而是束縛，是麻痹。
With so many options to choose from, people find it very difficult to choose at all.
面對這么多的選擇，人們發現要做出決定非常困難。
I'll give you one very dramatic example of this: a study that was done of investments in voluntary retirement plans.
讓我給你舉個非常生動的例子來說明這點，這是一個關于對等退休金計劃投資方面做的調查。
A colleague of mine got access to investment records from Vanguard,
我的一個同事有幸接觸到Vanguard的投資記錄。
the gigantic mutual-fund company of about a million employees and about 2,000 different workplaces.
Vanguard是一家巨大的互助基金公司，擁有約百萬員工和2000多個辦公地點。
And what she found is that for every 10 mutual funds the employer offered, rate of participation went down two percent.
她的調查發現是，當這些客戶（向他們的雇員）提供的互助基金種類每增加10個，參加的人數就減少2個百分點。
You offer 50 funds -- 10 percent fewer employees participate than if you only offer five. Why?
你提供50種基金，雇員參加的人數比你提供5種基金時下降百分之十。為什么呢？
Because with 50 funds to choose from, it's so damn hard to decide which fund to choose, that you'll just put it off until tomorrow.
因為面對50種基金來選擇，想要決定選那種那簡直是難上加難，所以你干脆放到明天再說。
And then tomorrow, and tomorrow, and tomorrow, and of course tomorrow never comes.
明日復明日，明日何其多，當然，明天永遠也不會到來。
Understand that not only does this mean that people are going to have to eat dog food when they retire
我們知道這其實意味著，當人們退休時，可能只有用狗糧充饑，
because they don't have enough money put away,
因為他們沒有劃出足夠的錢給將來，
it also means that making the decision is so hard that they pass up significant matching money from the employer.
同時，由于做決定是一件如此之難的事，以至于連雇主給他們的那筆相當可觀的對等補助金都白白放棄了。
By not participating, they are passing up as much as 5,000 dollars a year from the employer, who would happily match their contribution.
不參加這種對等計劃，他們每年讓多達5千元的雇主對等補貼從手邊溜掉。雇主本來是很樂于提供這種補貼的。
So paralysis is a consequence of having too many choices. And I think it makes the world look like this.
所以，選擇可能性過多的結果是麻痹僵化。它使得我們的世界變成這個樣子。
