So, basically we have public leaders, public officials who are out of control; they are writing bills that are unintelligible, and out of these bills are going to come maybe 40,000 pages of regulations, total complexity, which has a dramatically negative impact on our life. If you're a veteran coming back from Iraq or Vietnam you face a blizzard of paperwork to get your benefits; if you're trying to get a small business loan, you face a blizzard of paperwork.
而家我哋嘅領袖同政府官員 都好似中咗毒咁 啲法案畀佢哋寫到極之難明 裏面嘅條款細則可以有成四萬幾頁紙咁多 複雜到極 兼且對我哋生活造成嚴重不便 試想像你係個退伍軍人 喺伊拉克或者越南打過仗 要拎援助金嘅話 要先填好曬面前成疊文件 如果你想借錢搞生意
What are we going to do about it? I define simplicity as a means to achieving clarity, transparency and empathy, building humanity into communications. I've been simplifying things for 30 years. I come out of the advertising and design business. My focus is understanding you people, and how you interact with the government to get your benefits, how you interact with corporations to decide whom you're going to do business with, and how you view brands.
同樣畀疊文件點到你暈 對住疊文件,我哋究竟有咩符? 我認為一切從簡 可以令所有嘢變得清晰、透明、人性化 務求整個溝通模式可以返璞歸真 我三十年嚟就係喺度將啲嘢簡化 我做廣告設計出身 我好想去了解你哋 了解你哋點樣同政府溝通 去爭取你應有嘅權益 了解你哋點樣同企業打交道 揀同邊個做生意 兼了解你哋點樣睇品牌
So, very quickly, when President Obama said, "I don't see why we can't have a one-page, plain English consumer credit agreement." So, I locked myself in a room, figured out the content, organized the document, and wrote it in plain English. I've had this checked by the two top consumer credit lawyers in the country. This is a real thing. Now, I went one step further and said, "Why do we have to stick with the stodgy lawyers and just have a paper document? Let's go online."
當其時奧巴馬佢咁樣講: 「我哋啲信貸合約點解唔可以一頁紙過, 兼易睇易明嘅呢?」 之後,我就決定閉關 度好個內容,執靚個排版 用好淺顯嘅文字寫掂佢 我搵咗美國做消費信貸最勁嘅 兩個律師校閱過 呢樣係千真萬確㗎 之後,我進一步話: 「點解下下都要靠班法律顧問呢? 點解文件硬係得印刷本嘅呢?
And many people might need help in computation. Working with the Harvard Business School, you'll see this example when you talk about minimum payment: If you spent 62 dollars for a meal, the longer you take to pay out that loan, you see, over a period of time using the minimum payment it's 99 dollars and 17 cents. How about that? Do you think your bank is going to show that to people? But it's going to work. It's more effective than just computational aids. And what about terms like "over the limit"? Perhaps a stealth thing. Define it in context. Tell people what it means.
不如擺上網啦!」 我知好多人計數唔多掂 我哋同哈佛商學院合作嗰時 有個方案係關於最低還款額 幅圖寫住:假設你一餐飯洗咗 62 美金 而你每個月齋畀最低還款額嘅話 嗰 62 蚊就要拖更耐先還得清 最後仲要畀成 99 蚊 1 毫 7 仙 你覺得銀行會將實情話你聽咩? 點都好,圖文並茂確實好得 實際過計晒畀你睇 再睇睇呢個詞語:「超過信貸額度」 睇落好隱晦咁 嘗試解釋下,等人知點解
When you put it in plain English, you almost force the institution to give the people a way, a default out of that, and not put themselves at risk. Plain English is about changing the content. And one of the things I'm most proud of is this agreement for IBM. It's a grid, it's a calendar. At such and such a date, IBM has responsibilities, you have responsibilities. Received very favorably by business.
當你簡化條文 就等於要求銀行一定要向公眾開誠佈公 以防大家誤踩地雷 所謂淺顯易明,就係重組內容 要數我其中最自豪嘅 一定係 IBM 嘅一份協議 佢用嘅係方格、日曆 寫住邊月邊日 IBM 有某啲職責,你又有某啲職責 而家業界都好歡迎呢款設計
And there is some good news to report today. Each year, one in 10 taxpayers receives a notice from the IRS. There are 200 million letters that go out. Running through this typical letter that they had, I ran it through my simplicity lab, it's pretty unintelligible. All the parts of the document in red are not intelligible. We looked at doing over 1,000 letters that cover 70 percent of their transactions in plain English. They have been tested in the laboratory. When I run it through my lab, this heat-mapping shows everything is intelligible. And the IRS has introduced the program.
我今日有好消息想分享下 每年,每十個納稅人 就有一個收到國稅局嘅通知書 同類信件全國有成兩億幾封 喺我哋個「化繁為簡實驗室」入邊 我哋處理咗呢堆信件 發現內容認真難明 紅色嗰啲,全部都好難明 我哋著手改造呢一千款信件 呢拃信件涵蓋咗佢哋七成轉帳 改造完,就經實驗室檢測 檢測完 熱點圖顯示所有字句一律清楚易明 而家國稅局都引進咗呢個程式
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There are a couple of things going on right now that I want to bring to your attention. There is a lot of discussion now about a consumer financial protection agency, how to mandate simplicity. We see all this complexity. It's incumbent upon us, and this organization, I believe, to make clarity, transparency and empathy a national priority. There is no way that we should allow government to communicate the way they communicate. There is no way we should do business with companies that have agreements with stealth provisions and that are unintelligible.
我想帶大家睇下我哋著手做緊嘅嘢 各界都討論緊係咪要 設立消費者金融保護局 討論緊點樣實踐化繁為簡 眼見周圍都官樣文章 我相信我哋同呢個局都責無旁貸 要將化繁為簡睇為國家嘅優先政策 我哋唔可以任得政府係咁同我哋打官腔 更唔可以由得企業 用埋晒啲咁隱晦嘅條款同我哋做生意
So, how are we going to change the world? Make clarity, transparency and simplicity a national priority. I thank you.
咁影響世界有啲咩方法呢? 就係堅持清晰、透明同簡單嘅文字! 多謝各位!
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