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notes









1


    ,       ,  . . .




2


   ;       I. ..  ꠫  , ,        ,   . . .




3


  (learned helplessness)       ,       .     1967             . . .




4


Joseph Tainter. TheCollapse ofComplex Societies. Cambridge University Press, 1988. . .




5


, CBR  Certified Buyers Representative (  ), CBA Certified Business Appraiser ( -), CRS Certified Residential Specialist (   ) .. . .




6


401(k)     ; 403 (b) ,     ,   etc.; 529  ,         . . .




7


Troubled Asset Relief Program, TARP (.).     ,   2008     .             ,     legacy loans    legacy securities   . . .




8


ISO  ,    ,       . . .




9


 ,  19401960. . .




10


 蠖      ,   . . .










1


Beware ofBogus Phone Bill Fees, Consumer Reports, August 2012.




2


Dawn Fallik, $5Million Jury Award inDeath ofYear-Old Boy, Philadelphia Inquirer, July 25, 2006.




3


Susan H. Corey, Jeffrey Smith, andDaniel J. Sheehan, Physician Signatures, Southern Medical Journal, August 2008.




4


Leander Kahney, John Sculley onSteve Jobs: TheFull Interview, Cult ofMac, October 14, 2010.




5


People magazine, May 22, 1978.




6


David Segal, Its Complicated: Making Sense ofComplexity, NewYork Times, May 2, 2010.




7


Paul Johnson, InBusiness, Simplicity IsGolden, Forbes.com, March 16, 2009, www.forbes.com/forbes/2009/0316/017_current_events.html.




8


    9 2011.




9


Segal, Its Complicated.




10


David Kocieniewski, I.R.S. Ombudsman Calls for aBroad Overhaul ofTax Regulations, NewYork Times, January 5, 2011.




11


Newsmakers, C-SPAN, January 10, 2010.




12


Adam Liptak, Justices Long onWords but Short onGuidance, NewYork Times, November 18, 2010.




13


David Leonhardt, Buyer, Be Aware: What We Dont Understand asConsumers Could Really Hurt Us, NewYork Times Magazine, August 15, 2010.




14


Kenneth Chang, AChallenge toMake Science Crystal Clear, NewYork Times, March 5, 2012.




15


   Simple         2011.




16


Kristian Andersen, Designing aNew Bank Experience, KA+A, June 24, 2011.




17


Heather Landy, Customer toBanks: Simple Sells, American Banker, March 16, 2011.




18


Gregory M.Lamb, AFast Rate ofReturn, Christian Science Monitor, May 15, 2006.




19


Bruce Horovitz, Marketers Such asStarbucks Discover That Simple Sells, USA Today, October 2, 2009.




20


Joe Brancatelli, Southwest Airlines Seven Secrets for Success, Portfolio.com, July 8, 2008.




21


 Yankelovich Monitor Minute,  2005.




22


Kevin Ransom, Reign ofthePlain: Survey Finds Gen Ys Prefer Brand Simple, MediaPost.com, April 20, 2007.




23


   2010.,   HarrisInteractive.com 24 2010.




24


    Lew McCreary, Kaiser Permanentes Innovation ontheFront Lines, Harvard Business Review, September 2010.




25


 29 2008. 5 2009. Siegel+Gale  1214 ,     14 2009.


