被封面的粉红小猪可爱到了，今天分享的笔记来自leader板块的文章Tech’s raid on the banks和一篇关于制药企业要向世界最大的收费视频网站网飞Netfix公司学习的文章。


标题的raid很贴切。
Raid：突击，搜查，强调突然和紧迫感。看到这个词耳边就响起咚咚咚的战鼓声。

Taxis, films, novels, noodles, doctors and dog-walkers can all be summoned with a tap of a screen.
出租车、电影、小说、面条、医生……一切都触手可及。
Summon: 召唤，传唤，召集会议（summon a meeting）。
Summon sth up: 振作，想起……，唤起……情感（=evoke）
I could not even summon the energy to get out of bed after running the marathon yesterday.
昨天跑完马拉松后，我现在几乎没力气起床。
The old book summoned up my memories of childhood. 这本旧书唤醒我的童年记忆。

Giant firms in retailing, car-making and the media have been humbled by new competitors.
Humble: 比defeat高级的打败，想象一根被压弯的稻草。

In the West mobile banking is reaching critical mass—49% of Americans bank on their phones—and tech giants are muscling in.
Muscle in: 大举进军

Banks are so vital that the economy reels when they stumble.
银行步履蹒跚，经济就动荡不安。
银行是经济的一面镜子，和科技取代别的行业不一样。

Banking’s dirty secret is that it is backward, inefficient and hidebound.
Hidebound：墨守成规的，固执死板的

The thing is that global growth is sluggish and productivity gains are hard to come by. A smartphone revolution in finance offers one of the best ways to boost the economy and spread the benefits.
虽然银行业革新阻力重重，就像一座臃肿的危楼。但革新的前景很好。
The thing is that……句式很简单，但很吸引人。非常适合强调问题。

Netflix and pills
A world without antibiotics is horrible to contemplate. They underpin much modern medicine and are essential for patients undergoing chemotherapy for cancer, organ transplants or common surgeries such as caesarean sections.
caesarean sections: 剖腹产，自从二胎政策开放以来，这个词就经常出现。
Sth is horrible to contemplate. 难以想象，
Underpin：to support or form the basis of an argument, a claim, etc. 加强，巩固，构成
to give strength or support to something and to help it succeed
America’s wealth is underpinned by a global system which exploits the world’s poor.
美国的财富是由剥削全球穷人的全球体系支撑的。
Independent journalism underpins a free, democratic society.
独立的新闻是自由民主社会的基石。

That the pharmaceutical market does not always work well is hardly news.
Sth is hardly news并不是新闻。注意news前没有任何冠词。

最后两段解开了心里的疑惑，两个毫不相关的行业，制药公司要向世界最大的收费视频网站网飞Netfix学什么呢？
The most promising idea is for drugs firms to change how they charge governments and health insurers for antibiotics, by switching to a Netflix-style subscription model.
最有希望的方法就是药物公司要改变他们对政府和健康保险公司对抗生素使用的收费方式，需要学习Netflix的订阅模式。那Netflix的订阅模式是怎样的呢？

Just as Netflix subscribers pay the same each month, whether they binge-watch boxsets all day or watch nothing at all.
Netflix的用户每月支付相同的费用，无论他们是否整天都在看视频还是什么都不看。这和国内各种视频网站的会员是一样的。
Binge：v. to do too much of something, such as eating or drinking, in a short period of time狂欢
Binge on sth 放纵
whenever she is stressed, she binges on cakes.一有压力就狂吃蛋糕。
n. a short period when you do too much of something, such as eating or drinking狂欢时刻
a drink binge纵情喝酒的时刻

So health-care providers would pay a flat rate for access to an antibiotic, regardless of the volume. When the drug is new and being saved as a last line of defence, the drugs company still gets paid. And if the antibiotic has to be more widely used, the price does not go up. It may sound crazy, but subscriptions are already being tried in America to pay for hepatitis c drugs. Using this model for antibiotics can square the circle of incentivising drugs companies to develop a treatment that doctors will then try to use as little as possible.
所以医疗保健行业无论如何，都会支付固定费用给制药公司来获得抗生素。如果被视为最后一道防线的新抗生素，药品公司仍然可以获得报酬。如果是更广泛使用的抗生素，价格不会上涨。这可能听起来不太现实，但美国已经尝试用订阅模式支付丙型肝炎药物。使用这种订阅模式可以鼓励制药公司开发一个医生将尽可能少使用的治疗方法。
有点难理解，简单说就是不管医院用多少抗生素，都必须给生产抗生素的公司一定的费用。这样就可以鼓励制药公司开发新型抗生素。
Square the circle: 直译就是化方为圆，其实就是做别人看来不可能成功的事情， to attempt something impossible
The only way of squaring the circle to finish the task is to convince the investors.

Fixing the pricing model is not a silver bullet, then. But it is a vital part of the answer.
Silver bullet: something that solves a difficult problem very quickly and easily, 解决问题的灵丹妙药