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And they actually illuminate your way through the rest of the book.
Będą oświetlać mi drogę aż do końca książki.
en-pl
Another idea that really fascinated me as a child was that an entire galaxy could be contained within a single marble.
Inny pomysł, który fascynował mnie w dzieciństwie to cała galaktyka zawarta w pojedynczej szklanej kulce.
en-pl
And so over here, each book and each world becomes a little marble that I drag in to this magical device within the device.
และตรงนี้ ในหนังสือแต่ละเล่ม และแต่ละโลก กลายเป็นลูกแก้วเล็กๆ ที่ฉันลากมา ที่อุปกรณ์เวทมนตร์ชิ้นนี้ ทางอุปกรณ์ชิ้นนี้
en-th
And it opens up a map.
E abre-se um mapa.
en-pt
All along, all fantasy books have always had maps, but these maps have been static.
Všechny fantasy knížky měly vždycky mapy, ale ty mapy byly statické.
en-cs
This is a map that grows and glows and becomes your navigation for the rest of the book.
Diese Karte wächst und leuchtet und dient zur Orientierung im Rest des Buches.
en-de
It reveals itself to you at certain points in the book as well.
وتكشف نفسها لك في لحظات معينة في الكتاب أيضا.
en-ar
So I'm just going to enter in.
現在我將要進去看看
en-zh-tw
Another thing that's actually really important to me is creating content that is Indian and yet very contemporary.
Naredna stvar, koja mi je zaista vazna je stvaranje sadržaja koji je indijski, a ipak veoma savremen.
en-sr
Over here, these are the Apsaras.
ในส่วนนี้ นี่คือเหล่านางอัปสรา (อัปสร)
en-th
So we've all heard about fairies and we've all heard about nymphs, but how many people outside of India know about their Indian counterparts, the Apsaras?
Nous avons tous entendu parler des fées et des nymphes, mais qui en dehors de l’Inde connait leurs homologues indiens, les Apsaras ?
en-fr
These poor Apsaras have been trapped inside Indra's chambers for thousands of years in an old and musty book.
可哀相にアプサラスは古びたカビ臭い本の中のインドラの宮廷に 何千年も閉じ込められてきました
en-ja
And so we're bringing them back in a contemporary story for children.
И така, ние ги връщаме обратно в една съвременна история за деца.
en-bg
And a story that actually deals with new issues like the environmental crisis.
en una historia que trata temas actuales como la crisis ambiental.
en-es
(Music) Speaking of the environmental crisis, I think a big problem has been in the last 10 years is that children have been locked inside their rooms, glued to their PCs, they haven't been able to get out.
(音乐） 谈起环境危机， 我觉得最近10年的一个最大的问题 就是孩子们被关在他们的房间里， 紧紧帖在他们的电脑上，他们不能出去
en-zh-cn
But now with mobile technology, we can actually take our children outside into the natural world with their technology.
Ma adesso con la tecnologia mobile possiamo convincerli ad uscire nel mondo della natura portandosi appresso la loro tecnologia.
en-it
One of the interactions in the book is that you're sent off on this quest where you need to go outside, take out your camera on the iPad and collect pictures of different natural objects.
Uma das interações do livro consiste em enviá-las à descoberta, de forma que precisam de sair, pegar na câmara do iPad e recolher imagens de diferentes objetos da natureza.
en-pt
When I was a child, I had multiple collections of sticks and stones and pebbles and shells.
عندما كنت طفلا، كان عندي مجموعات مشكّلة مختلفة من عصي وأحجار وحصي وأصداف.
en-ar
And somehow kids don't do that anymore.
Nekako djeca danas to više ne rade.
en-hr
So in bringing back this childhood ritual, you need to go out and, in one chapter, take a picture of a flower and then tag it.
Dhe duke e kthyer këtë ritual nga fëmijëria, ju duhet të dilni jashtë dhe, në një kapitull, të fotografoni lule dhe pastaj ti shënjoni ato.
en-sq
In another chapter, you need to take a picture of a piece of bark and then tag that.
e depois etiquetá-la. Noutro capítulo, é preciso tirar uma foto a um pedaço de casca de árvore e depois etiquetá-la.
en-pt
And what happens is that you actually create a digital collection of photographs that you can then put up online.
وما يحدث هو أنك في الواقع تصنع مجموعة رقمية من الصور الشمسية يمكنك بعد ذلك وضعها على النت.
en-ar
A child in London puts up a picture of a fox and says, "Oh, I saw a fox today."
Дитина в Лондоні розмістить фото лисички, і скаже "А я сьогодні бачив лисичку".
en-uk
A child in India says, "I saw a monkey today."
Un niño de India dice: "Hoy vi un mono".
en-es
And it creates this kind of social network around a collection of digital photographs that you've actually taken.
E ele cria esta forma de rede social no entorno de uma coleção de fotos digitais que você fotografou.
en-pt-br
In the possibilities of linking together magic, the earth and technology, there are multiple possibilities.
魔法と地球と技術を １つにつなげることで たくさんの可能性が生まれます
en-ja
In the next book, we plan on having an interaction where you take your iPad out with the video on and through augmented reality, you see this layer of animated pixies appear on a houseplant that's outside your house.
U sledećoj knjizi, planiramo da uvedemo i interakciju za koju morate da ponesete ajPed i snimite video i pomoću izmenjene stvarnosti, možete da vidite animirane vile koje se pojavljuju na cveću ispred vaše kuće.
en-sr
At one point, your screen is filled up with leaves.
Σε ένα σημείο, η οθόνη σας έχει γεμίσει με φύλλα.
en-el
And so you need to make the sound of wind and blow them away and read the rest of the book.
Вам нужно повторить звук ветра, чтобы их сдуть, и дочитать книгу до конца.
en-ru
We're moving, we're all moving here, to a world where the forces of nature come closer together to technology, and magic and technology can come closer together.
Doğanın güçlerinin teknolojiye yaklaştığı ve sihir ve teknolojinin bir araya geldiği bir dünyaya doğru ilerliyoruz, hepimiz ilerliyoruz.
en-tr
We're harnessing energy from the sun.
Güneşten enerji elde ediyoruz.
en-tr
We're bringing our children and ourselves closer to the natural world and that magic and joy and childhood love that we had through the simple medium of a story.
إننا نجلب أولادنا وأنفسنا أقرب للعالم الطبيعي وذلك السحر والفرح وحب الطفولة الذي لدينا عبر وسيط القصة البسيط.
en-ar
I'm going to talk today about saving more, but not today, tomorrow.
Hoje vou falar sobre poupar mais, mas não é poupar hoje, é poupar amanhã.
en-pt
I'm going to talk about Save More Tomorrow.
我将要谈的是：明天存更多的钱
en-zh-cn
It's a program that Richard Thaler from the University of Chicago and I devised maybe 15 years ago.
זו תכנית שריצ'רד תאלר מאוניברסיטת שיקגו, ואני תכננו לפני 15 שנה בערך.
en-he
The program, in a sense, is an example of behavioral finance on steroids -- how we could really use behavioral finance.
在某种意义上 这个项目是广义的 行为金融学 我们怎样才能真正地利用行为金融学
en-zh-cn
Now you might ask, what is behavioral finance?
「行動ファイナンス」とは何かと お尋ねになるかもしれませんね
en-ja
So let's think about how we manage our money.
Gondoljunk arra, hogyan irányítjuk pénzügyeinket!
en-hu
Let's start with mortgages.
Եկեք սկսենք վարկերից:
en-hy
It's kind of a recent topic, at least in the U.S.
Eshte ceshtje e kohes se fundit, te pakten ne Amerike.
en-sq
A lot of people buy the biggest house they can afford, and actually slightly bigger than that.
Много хора купуват възможно най-голямата къща, която могат да си позволят, дори малко по-голяма.
en-bg
And then they foreclose.
А потоа ги препродаваат.
en-mk
And then they blame the banks for being the bad guys who gave them the mortgages.
後から彼らは銀行を責めるのです 「住宅ローンを背負わせた悪い奴らだ！」と
en-ja
Let's also think about how we manage risks -- for example, investing in the stock market.
我們再想想 我們怎樣管理風險－ 舉個例子，投資股票市場
en-zh-tw
Two years ago, three years ago, about four years ago, markets did well.
For to år siden, tre år siden, cirka fire år siden, gjorde markederne det godt.
en-da
We were risk takers, of course.
Nous étions des « preneurs de risques », bien sûr.
en-fr-ca
Then market stocks seize and we're like, "Wow.
Ապա ֆոնդային շուկաներն անկում ապրեցին, և մենք անմիջապես.
en-hy
These losses, they feel, emotionally, they feel very different from what we actually thought about it when markets were going up."
从情感上而言，他们会觉得这些损失 与我们实际的想象中 市场会回升的时间 有很大差距
en-zh-cn
So we're probably not doing a great job when it comes to risk taking.
所以在風險投機上 我們似乎也做的不太好
en-zh-tw
How many of you have iPhones?
Πόσοι από εσάς έχετε iPhone;
en-el
Anyone? Wonderful.
Quanti? Bene.
en-it
I would bet many more of you insure your iPhone -- you're implicitly buying insurance by having an extended warranty.
Założę się, że wielu z was ma na niego ubezpieczenie w postaci przedłużonej gwarancji.
en-pl
What if you lose your iPhone?
Und wenn Sie Ihr iPhone verlieren?
en-de
What if you do this?
Mi van, ha ezt teszik?
en-hu
How many of you have kids?
Sa nga ju keni femije?
en-sq
Keep your hands up if you have sufficient life insurance.
Tetap angkat tangan Anda jika Anda memiliki asuransi jiwa yang cukup.
en-id
I see a lot of hands coming down.
Saya lihat banyak yang menurunkan tangan.
en-id
I would predict, if you're a representative sample, that many more of you insure your iPhones than your lives, even when you have kids.
Une do te parashikoja, nqs se ti je perfaqesues per shembull, qe me shume se ju sigurojne Iphonet sesa jeten tuaj, madje edhe kur keni femije.
en-sq
We're not doing that well when it comes to insurance.
Ne nuk po dukemi dhe aq mire kur vjen puna tek siguracioni.
en-sq
The average American household spends 1,000 dollars a year on lotteries.
Ամերիկյան միջին ընտանիքը տարեկան ծախսում է 1,000 դոլար վիճակախաղերի վրա:
en-hy
And I know it sounds crazy.
So che sembra assurdo.
en-it
How many of you spend a thousand dollars a year on lotteries?
Колко от вас харчат по хиляда долара на година за лотарии?
en-bg
No one.
Ниту еден.
en-mk
So that tells us that the people not in this room are spending more than a thousand to get the average to a thousand.
Ninguém. Isso diz-nos que as pessoas que não estão nesta sala estão a gastar mais de mil dólares para chegarmos à média de mil.
en-pt
Low-income people spend a lot more than a thousand on lotteries.
الأشخاص ذوي الدخل المحدود ينفقون أكثر بكثير من ألف في اليانصيب.
en-ar
So where does it take us?
Aşadar unde ne duce acest lucru?
en-ro
We're not doing a great job managing money.
我々はお金の管理が得意でないのです
en-ja
Behavioral finance is really a combination of psychology and economics, trying to understand the money mistakes people make.
「行動ファイナンス」は 心理学と経済学の組み合わせです そして人々の お金にまつわる間違いを理解しようとします
en-ja
And I can keep standing here for the 12 minutes and 53 seconds that I have left and make fun of all sorts of ways we manage money, and at the end you're going to ask, "How can we help people?"
Ik kan hier blijven staan voor de 12 minuten en 53 seconden die ik nog heb om lol te hebben over allerlei manieren van geld beheren, en aan het eind zullen jullie vragen: "Hoe kunnen we mensen helpen?"
en-nl
And that's what I really want to focus on today.
Եվ դա է, ինչի վրա եմ ցանկանում կենտրոնանալ այսօր:
en-hy
How do we take an understanding of the money mistakes people make, and then turning the behavioral challenges into behavioral solutions?
Wie wir die Fehler, die Menschen beim Umgang mit Geld machen, verstehen können, und dann diese Verhaltens-Behinderung in Verhaltens-Lösungen umwandeln?
en-de
And what I'm going to talk about today is Save More Tomorrow.
Ve bugün Yarın Daha Fazla Biriktirmek hakkında konuşacağım.
en-tr
I want to address the issue of savings.
Szeretném megtárgyalni a megtakarítások kérdését.
en-hu
We have on the screen a representative sample of 100 Americans.
Avem pe ecran un eşantion reprezentativ de 100 de americani.
en-ro
And we're going to look at their saving behavior.
Посмотрим на то, как они делают сбережения.
en-ru
First thing to notice is, half of them do not even have access to a 401(k) plan.
まず注目すべきは 彼らの半分は 401(K)プラン（確定拠出年金）に アクセスさえできないことです
en-ja
They cannot make savings easy.
Sie können nicht einfach sparen.
en-de
They cannot have money go away from their paycheck into a 401(k) plan before they see it, before they can touch it.
彼らはお金を目にしたり 触ったりする前に 給料から401(k)プランに 天引きして貯めることができないのです
en-ja
What about the remaining half of the people?
那麼剩下的一半人呢？
en-zh-tw
Some of them elect not to save.
بعضهم يختارون عدم الادخار.
en-ar
They're just too lazy.
Ils sont tout simplement trop paresseux.
en-fr
They never get around to logging into a complicated website and doing 17 clicks to join the 401(k) plan.
Тие никогаш не одвоиле време да се регистрираат на сложениот веб сајт и да направат 17 кликови за да се приклучат на 401(к) пензиска шема.
en-mk
And then they have to decide how they're going to invest in their 52 choices, and they never heard about what is a money market fund.
เสร็จแล้วก็จะต้องตัดสินใจว่าจะลงทุนยังไง จากตัวเลือก 52 ตัว ก่อนหน้านี้พวกเขาไม่เคยรู้จัก "กองทุนตลาดเงิน" มาก่อน
en-th
And they get overwhelmed and the just don't join.
Et ils sont dépassés et ne s'inscrivent pas.
en-fr
How many people end up saving to a 401(k) plan?
چه تعداد از مردم بالاخره در برنامه ی k)plan)‏401‏پس انداز می کنند؟
en-fa
One third of Americans.
アメリカ人の３分の１です
en-ja
Two thirds are not saving now.
Dos tercios no está ahorrando ahora.
en-es
Are they saving enough?
그러면 그들은 충분히 저축하고 있을까요?
en-ko
Take out those who say they save too little.
ลองไม่นับคนที่ บอกว่าพวกเขาออมน้อยเกินไป
en-th
One out of 10 are saving enough.
Einer von zehn spart genug.
en-de
Nine out of 10 either cannot save through their 401(k) plan, decide not to save -- or don't decide -- or save too little.
Neuf sur 10 soit ne peuvent pas épargner par le biais de leur plan épargne retraite, décident de ne pas épargner, ou ne décident pas, ou épargnent trop peu.
en-fr
We think we have a problem of people saving too much.
Мы считаем, что существует проблема людей, сберегающих слишком много.
en-ru
Let's look at that.
Нека погледнем.
en-bg
We have one person -- well, actually we're going to slice him in half because it's less than one percent.
Temos uma pessoa — na verdade, vamos cortá-la ao meio porque é menos que 1%.
en-pt
Roughly half a percent of Americans feel that they save too much.
差不多只有百分之零點五的美國人 認為他們存得夠多了
en-zh-tw
What are we going to do about it?
Šta ćemo uraditi povodom toga?
en-sr
That's what I really want to focus on.
O que vamos fazer quanto a isso? É nisso que me quero concentrar.
en-pt
We have to understand why people are not saving, and then we can hopefully flip the behavioral challenges into behavioral solutions, and then see how powerful it might be.
Najpierw musimy zrozumieć, dlaczego ludzie nie oszczędzają. Może dzięki temu uda się nam wykorzystać ludzkie skłonności jako rozwiązanie problemu. Zobaczymy, czy może to być skuteczne.
en-pl
So let me divert for a second as we're going to identify the problems, the challenges, the behavioral challenges, that prevent people from saving.
اجازه بدهید کمی از بحث خارج شوم ، تا بتوانیم مشکلات را، چالش ها را، چالش های رفتاری را که مانع از پس انداز کردن مردم می شوند شناسایی کنیم.
en-fa
I'm going to divert and talk about bananas and chocolate.
Я хочу отвлечься и поговорить о бананах и шоколаде.
en-ru