世界简单化之旅: 当简单成为解决之道_BEC初级作文

世界简单化之旅: 当简单成为解决之道

简单正在慢慢成为一种标准。例如，皮尤慈善信托基金会(Pew Charitable Trust)正在努力开发简化版本的金融文件，比如银行费用，人们对银行费用存在广泛的困惑，而这种困惑的代价相当高昂。美国的几家大型银行主动采用了皮尤慈善信托基金会去年推出的模板，这是一个令人振奋的信号。

Similarly, the Consumer Financial Protection Bureau is working its way through the disclosures related to major consumer financial transactions (student loans, home mortgages, payday lending) with an eye to making it easier for borrowers to do comparison shopping. Local governments such as New York City are simplifying residents' interactions with the bureaucracy through systems such as a 311 hotline for complaints and urgent matters. And social media is allowing all of us to get closer to companies and institutions and to make known our concerns and compliments.

同样，消费者金融保护局(Consumer Financial Protection Bureau)正在研究与主要的消费者金融交易有关的信息公开（学生贷款、住房抵押贷款、发薪日借贷），目标是使借款者更容易比较消费。通过311投诉和紧急事务热线等系统，纽约等地的地方政府正在简化消费者与金融保护局之间的互动。社交媒体也正在使人们与企业机构间建立更密切的关系，使人们的担忧和好评能被更好地了解。

What do we still need to simplify? For ordinary personal and commercial transactions, we need brief online contracts with interactive features explaining key words, concepts and computations. We need personal health records that can be easily used and updated by all health-care providers. We need summaries of our home and auto insurance that clearly explain how we will be reimbursed when the next storm hits; clear, one-page hospital bills that will allow us to recognize each element in the care that we receive; and a simplified tax code that will eliminate the need for costly tax return preparation by professionals.