暂缓执行！央行连夜宣布！
2022/3/9 gh_632d8e717867

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     一边给机会，一边又不留情面。传统银行的危机，一点都不比互联网巨头小!

     的钱，骗中国妹子的炮？天朝竟有这样一帮「女权组织」 2018-03-19 INSIGHT视界 From 酷玩实验室 微信号：coollabs 其实我读书的时候 也曾经想过做一个女权主义者 但是后来发生了一些事情 让我选择了放弃 简单来说是这么一个事情：我发现 女权对于一些中国人来说是信仰 但是对另一些中国人来说是生意 所谓的“伪女权”“女权癌” 大概就是这么回事 尽管早就有这样的思想准备 但让我没想到的是 这两天，知乎上曝光了一件大事 还是让我三观震碎 我没想到，这些“伪女权” 竟然已经形成了黑色产业链 让人细思恐极—— 国内竟然有一群人 打着“女权主义”的名号 从事着组织卖淫的事情 在中国女生不知情的情况下 把她们卖给外国男人!事情是这样的：根据知乎用户伊利丹·怒风的爆料 他在知乎和一个伪女权主义者 吵了起来 一开始，他可能以为这只是一个 脑子比较轴的伪女权主义者 所以两人就吵了一通 本来，他以为就是撕个逼而已 没想到的是 这个伪女权主义者 可不是什么好惹的主 这个自称为“玛丽女王”的人 竟然在半个月中 持续不断地骚扰他 而最夸张的是 玛丽女王声称 自己有能力 让伊利丹的QQ号 在5天之内被封掉 到这里为止 伊利丹一直以为 他不过是碰到了一个杠精 但是万万没想到 5天之后 他的QQ号竟然真的被永久封禁了!说真的，这就有点吓人了 这个不起眼的玛丽女王 竟然还能操控别人的QQ账号被封？难不成，她真的背后有人？伊利丹这才意识到 自己好像惹到了一个组织 他去扒了扒这个玛丽女王的QQ空间 这才发现 自己简直捅出一个马蜂窝：这个人平时干的 竟然是把中国女生 卖给外国男人的皮肉生意!真的，我本来以为 我是一个见过不少套路的人 但没想到 这一套操作 真的是惊为天人 简单来说是这样的 首先，玛丽女王自称是“女权主义者” 但是实际上她的言论 宣传的却是 中国男人配不上中国女人 她甚至恶意辱骂中国男人 恨不得中国男人全部死光 连自己的爸爸都不放过 但是，这么做对她有什么好处呢？很简单 骂完中国男人以后 接下来她就说—— 既然中国男人这么差劲 那就找外国男人吧!于是，她就经常发布外国男人的介绍 看起来是一个热心的媒婆 还在各种QQ和微信群里 散播此类信息 但是看到这里 我们不难发现有点问题 看看其中这些不堪入目的措辞 这并不是普通的介绍男友啊!这简直是在拉皮条啊!果然，伊利丹发现 玛丽女王真的在 拉皮条的过程中 收外国男人的钱!下面是聊天记录实锤：而且，请注意—— 在这个过程中 她会收外国男人的钱 但是钱不给中国女生 却落到了她自己的腰包 于是一个诡异的情况出现了：中国妹子 并不知道收钱这回事 还以为是正常交友 而外国男人 却都交了钱 很可能认为自己是在买春!额，也就是说 在中国女孩不知情的情况下 她们被“卖”给了外国男人 而好处费 却全都进了玛丽女王的腰包... 我真的是没见过这种操作 这说轻了是骗炮 说重了，已经可以算是卖淫了吧？我想请熟悉刑法的朋友们看看 这个玛丽女王 至少应该算是个 介绍组织卖淫罪吧？而且，从伊利丹曝光的资料看来 这个组织规模不小 玛丽女王甚至把外国男生的信息 建了一个完整的表格 有详细的个人资料、照片 可以说 是一条非常完整的产业链 那如果按照这样操作 外国男人都是来嫖的 中国女生却不知道 还以为是要跟他们谈恋爱 那双方难道不会穿帮吗？恩，在这方面 玛丽女王早有对策 根据知乎一位 从事过这个产业的匿名用户提供的信息 针对这种情况 玛丽女王们 还会手把手地教外国男人 怎么快速摆脱女生的纠缠 怎么调教中国女生 怎么让女生觉得自己很可爱 可以说 各种套路一应俱全 甚至还可以开发票!看到这里 她们背后的产业就非常清楚了 这个玛丽女王 她根本就不是什么女权主义者 而是打着女权主义的口号 贩卖中国女生的人贩子 一方面 她们通过辱骂中国男人 吸引对外国男人感兴趣的中国女生 另一方面 她们向外国男人收钱 然后把中国女生卖给他们!图片来源：知乎@渭水徐工 而可怜的中国妹子们 还以为自己是在 追求男女平权 其实，不过是沦为了 这些老鸨的赚钱工具 伊利丹把这整个事情 写出来以后 在知乎、微博引起了巨大的关注 关于其中提到的 伊利丹的QQ被永久封禁的问题 腾讯经过核查 目前也有了结果：经调查，是玛丽女王利用伪造证据 恶意举报了伊利丹的QQ号 目前，腾讯已经将伊利丹的QQ解封 同时封禁了玛丽女王等人的 两个QQ账号 警方也就此事立案侦查了 相信很快就会有结果 这个事情算是告一段落了 但是在我看来 却有一件事让我无法释怀：为什么“女权主义”竟然会和 辱骂中国男性等同起来？为什么“和外国男人交友” 竟然还能演变成 一个免费的陪睡组织？我想，这个玛丽女王 也许只是一个 发现了恶性赚钱模式的生意人 但是在这背后隐藏的 其实是一个很深的问题：为什么有不少中国女人 越来越看不上中国男人 甚至觉得嫁给外国男人 是一种时尚？这里面的原因可能非常复杂 我这里先提供一个思路 供大家讨论：我发现 现在中国很多大型的女权组织 背后都有着西方势力的影子 她们打着女权的名号 为自己谋取暴利 为西方国家从事破坏活动 而那些真正为女性平权而奔走的人 却得不到应有的帮助 我之所以这样说 并不是信口开河 而是有充足的证据 有一个非常有名的民间女权组织 叫做“女权之声” 它一再声称 自己只是一个自发的民间组织 致力于促进男女平等的 它所有的微博账号、微信账号 全部都是由一个 叫做妇女传媒监测网络的创办的 而这个妇女传媒监测网络 有这么多媒体产品 那它的钱都是哪里来的呢？从她们介绍的合作组织里 我们可以清楚地找到 她们的资助者—— 竟然有西方的福特基金会 有人也许会问 收了西方的钱怎么了？中国的组织不能收西方的钱吗？然而，她们不只是收了西方的钱而已 女权之声组织里 有一个人叫做郑楚然 她除了女权运动之外 没有任何其他工作 表面上，是一个全职的女权工作者 在2015年的时候 她还因为寻衅滋事 被警察拘留过30多天 甚至在她被拘留的时候 希拉里还借题发挥 指责中国侵犯人权、压制民主 一个中国的小小民间组织的首领 在互联网上的粉丝还没有我多 竟然能得到希拉里这个级别的关注？我真的是惊掉了下巴 这样看来 我离希拉里也不是很远了？？而不止是希拉里 这样一个明明思想上毫无建树的人 却被西方媒体BBC评为了 全球百大思想家 图：郑楚然在王宝强事件中发表的言论 除此以外 更让人匪夷所思的 是她们平时就喜欢攻击政府 甚至于，她们还会试图分裂我们国家 比如，女权之声这个组织里 著名的女权斗士洪理达 就曾经转发著名的港独媒体 Hong Kong Free Press的言论 甚至曾公开发表过 支持藏独、港独、台独的言论 她也经常和郑楚然混在一起 我很想不通 如果她们真的只是单纯的女权主义者 为何要发表分裂国家的言论？为何要支持藏独、港独、台独？我只能说，这大概就叫 拿人家的手短，吃人家的嘴软吧 以前，我在接触中国的女权组织时 我就觉得很奇怪 她们都喜欢声称 自己是不盈利的非政府组织 但是她们无论是宣传 还是组织各类活动 都需要大量的钱 如果她们真的不盈利 那这些钱都是哪里来的呢？而这些外国的金主 他们也更加不可能是什么慈善组织 大发善心来给中国人投钱 每一分投出去的钱 一定都是要有回报的 那么，他们的回报是什么呢？他们给中国的“女权组织”投钱 能得到什么利益呢？联想到中国网络上 如火如荼的对中国男人的讨伐 我只能说，细思恐极 我绝不是危言耸听 因为我们就看不远的邻国日本 近些年来日本对于西方的崇拜 可谓深入骨髓 已经到了崇洋媚外的程度 而这其中 当然也包括对白人男性的崇拜 甚至在2016年一个瑞士白人 发了一个视频，赤裸裸的说 “在东京，只要你是白人， 做什么都可以” 视频里面他在日本便利店 随意的亲吻不认识的收银员女孩 在酒吧把不认识的日本女孩 按向自己的裤裆 而日本女孩回应的却是谄媚的笑容 我想，并不会有那么多中国人 真正被西方伪女权主义控制 但是，我们要警惕的是 别在你自己都没有察觉的时候 被别有用心的人洗了脑 更有甚者 别在你自己都不知道的情况下 被别人卖给了外国男人 还去帮他数钱 本文系授权发布，From 酷玩实验室，微信号：coollabs，欢迎分享到朋友圈，未经许可不得转载，INSIGHT视界 诚意推荐 Forwarded from Official Account 酷玩实验室 酷玩实验室 Learn More Scan QR Code via WeChat to follow Official Account 采集文章采集

     一

     银行业开年不平静，近日巨震频发!

     别的不说，单是3月1日这一天，就成了诸多银行和行业巨头的一道坎。

     先是微信、支付宝同时遭到重锤，3月1日个人收款码将不得用于经营性收款，令两大巨头惊出一身冷汗，四大行同三方聚合支付商“趁火打劫”，势要抓住这千载难逢的机会，抢走一块移动支付的蛋糕。

    

     后是央行于1月份发布新规：3月1日起，所有金融机构都要遵循“了解你的客户”原则，对个人存取款5万以上需要登记。

    

     这对用户是个小麻烦，但对银行却是个大麻烦，甚至是短期内难以跨越的门槛。

     2月21日深夜，央行发布紧急通知称，由于技术性原因，原定3月1日开始的新规暂缓执行，继续按原规定办理。

    

     央行有关负责人随后给出解释，正是部分中小金融机构来不及作出反应，需要对信息系统、业务流程、人员培训等诸多方面进行调整，才临时叫停新规执行。

     这样的中小银行，国内还有4000多家，其中良莠不齐者甚多，浑水摸鱼跟不上大部队脚步者更不少。

     央行没有一刀切，既给机会，又果断捶打，一场银行业的整合浪潮正席卷全国。

     二

     领先一步是先进，领先三步是先烈!

     支付宝曾犯下的错误，在银行身上再次上演。

     在央行连夜宣布暂缓新规执行的同一天，两大民营银行被央行点名，遭到狠狠批评。

     一个是辽宁振兴银行，一个是北京中关村银行，两家银行均在2022开年后直接发出通知，分别宣布从3月和4月开始，停办现金收付业务，所有营业网点和ATM机都不再办理现金存取现。

    

     169. Don't let yesterday use up too much of today. 别留念昨天了，把握好今天吧。(Will Rogers) 170. If you are not brave enough, no one will back you up. 你不勇敢，没人替你坚强。171. If you don't build your dream, someone will hire you to build theirs. 如果你没有梦想，那么你只能为别人的梦想打工。172. Beauty is all around, if you just open your heart to see. 只要你给自己机会，你会发现你的世界可以很美丽。173. The difference in winning and losing is most often...not quitting. 赢与输的差别通常是--不放弃。(华特·迪士尼) 174. I am ordinary yet unique. 我很平凡，但我独一无二。175. I like people who make me laugh in spite of myself. 我喜欢那些让我笑起来的人，就算是我不想笑的时候。176. Image a new story for your life and start living it. 为你的生命想一个全新剧本，并去倾情出演吧!177. I'd rather be a happy fool than a sad sage. 做个悲伤的智者，不如做个开心的傻子。178. The future belongs to those who believe in the beauty of their dreams. 未来属于那些相信梦想之美的人。(埃莉诺·罗斯福) 179. Even if you get no applause, you should accept a curtain call gracefully and appreciate your own efforts. 即使没有人为你鼓掌，也要优雅的谢幕，感谢自己的认真付出。180. Don't let dream just be your dream. 别让梦想只停留在梦里。181. A day without laughter is a day wasted. 没有笑声的一天是浪费了的一天。(卓别林) 182. Travel and see the world; afterwards, you will be able to put your concerns in perspective. 去旅行吧，见的世面多了，你会发现原来在意的那些结根本算不了什么。183. The key to acquiring proficiency in any task is repetition. 任何事情成功关键都是熟能生巧。《生活大爆炸》 184. You can be happy no matter what. 开心一点吧，管它会怎样。185. A good plan today is better than a perfect plan tomorrow. 今天的好计划胜过明天的完美计划。186. Nothing is impossible, the word itself says 'I'm possible'! 一切皆有可能!“不可能”的意思是：“不，可能。”(奥黛丽·赫本) 187. Life isn't fair, but no matter your circumstances, you have to give it your all. 生活是不公平的，不管你的境遇如何，你只能全力以赴。188. No matter how hard it is, just keep going because you only fail when you give up. 无论多么艰难，都要继续前进，因为只有你放弃的那一刻，你才输了。When Paul Jobs was mustered out of the Coast Guard after World War II, he made a wager with his crewmates. They had arrived in San Francisco, where their ship was decommissioned, and Paul bet that he would find himself a wife within two weeks. He was a taut, tattooed engine mechanic, six feet tall, with a passing resemblance to James Dean. But it wasn’t his looks that got him a date with Clara Hagopian, a sweet-humored daughter of Armenian immigrants. It was the fact that he and his friends had a car, unlike the group she had originally planned to go out with that evening. Ten days later, in March 1946, Paul got engaged to Clara and won his wager. It would turn out to be a happy marriage, one that lasted until death parted them more than forty years later. Paul Reinhold Jobs had been raised on a dairy farm in Germantown, Wisconsin. Even though his father was an alcoholic and sometimes abusive, Paul ended up with a gentle and calm disposition under his leathery exterior. After dropping out of high school, he wandered through the Midwest picking up work as a mechanic until, at age nineteen, he joined the Coast Guard, even though he didn’t know how to swim. He was deployed on the USS General M. C. Meigs and spent much of the war ferrying troops to Italy for General Patton. His talent as a machinist and fireman earned him commendations, but he occasionally found himself in minor trouble and never rose above the rank of seaman. Clara was born in New Jersey, where her parents had landed after fleeing the Turks in Armenia, and they moved to the Mission District of San Francisco when she was a child. She had a secret that she rarely mentioned to anyone: She had been married before, but her husband had been killed in the war. So when she met Paul Jobs on that first date, she was primed to start a new life. Clara, however, loved San Francisco, and in 1952 she convinced her husband to move back there. They got an apartment in the Sunset District facing the Pacific, just south of Golden Gate Park, and he took a job working for a finance company as a “repo man,” picking the locks of cars whose owners hadn’t paid their loans and repossessing them. He also bought, repaired, and sold some of the cars, making a decent enough living in the process. There was, however, something missing in their lives. They wanted children, but Clara had suffered an ectopic pregnancy, in which the fertilized egg was implanted in a fallopian tube rather than the uterus, and she had been unable to have any. So by 1955, after nine years of marriage, they were looking to adopt a child. Like Paul Jobs, Joanne Schieble was from a rural Wisconsin family of German heritage. Her father, Arthur Schieble, had immigrated to the outskirts of Green Bay, where he and his wife owned a mink farm and dabbled successfully in various other businesses, including real estate and photoengraving. He was very strict, especially regarding his daughter’s relationships, and he had strongly disapproved of her first love, an artist who was not a Catholic. Thus it was no surprise that he threatened to cut Joanne off completely when, as a graduate student at the University of Wisconsin, she fell in love with Abdulfattah “John” Jandali, a Muslim teaching assistant from Syria. Jandali was the youngest of nine children in a prominent Syrian family. His father owned oil refineries and multiple other businesses, with large holdings in Damascus and Homs, and at one point pretty much controlled the price of wheat in the region. His mothe凝固的熔岩流。火星上常常有猛烈的大风，大风扬起沙尘能形成可以覆盖火星全球的特大型沙尘暴。每次沙尘暴可持续数个星期。火星两极的冰冠和火星大气中含有水份。从火星表面获得的探测数据证明，在远古时期，火星曾经有过液态的水，而且水量特别大。[51] 土星是离太阳第六颗行星，直径120536㎞，体积仅次于木星。主要由氢组成，还有少量的氦与微量元素，内部的核心包括岩石和冰，外围由数层金属氢和气体包裹着。地球距离土星13亿公里。土星的引力比地球强2.5倍，能够牵引太阳系内其它行星，使地球处于一个椭圆轨道中运行，并且与太阳保持适当距离，适宜生命繁衍。当土星轨道倾斜20度将使地球轨道比金星轨道更接近太阳，同时，这将导致火星完全离开太阳系。[52] 土星是已知唯一密度小于水的行星，假如能够将土星放入一个巨大的浴池之中，它将可以漂浮起来。土星有一个巨大的磁气圈和一个狂风肆虐的大气层，赤道附近的风速可达1800千米/时。在环绕土星运行的31颗卫星中间，土卫六是最大的一颗，比水星和月球还大，也是太阳系中唯一拥有浓厚大气层的卫星。[53] 天王星是离太阳第七颗行星，51118km。体积约为地球的65倍，在九大行星中仅次于木星和土星。天王星的大气层中83%是氢，15%为氦，2%为甲烷以及少量的乙炔和碳氢化合物。上层大气层的甲烷吸收红光，使天王星呈现蓝绿色。大气在固定纬度集结成云层，类似于木星和土星在纬线上鲜艳的条状色带。天王星云层的平均温度为零下193摄氏度。质量为8.6810±13×102?kg，相当于地球质量的14.63倍。密度较小，只有1.24克/立方厘米，为海王星密度值的74.7%。[54] 恒星 恒星 海王星是离太阳的第八颗行星，直径49532千米。海王星绕太阳运转的轨道半径为45亿千米，公转一周需要165年。海王星的直径和天王星类似，质量比天王星略大一些。海王星和天王星的主要大气成分都是氢和氦，内部结构也极为相近，所以说海王星与天王星是一对孪生兄弟。[55] 海王星有太阳系最强烈的风，测量到的时速高达2100公里。海王星云顶的温度是-218 °C，是太阳系最冷的地区之一。海王星核心的温度约为7000 °C，可以和太阳的表面比较。海王星在1846年9月23日被发现，是唯一利用数学预测而非有计划的观测发现的行星。[56] 冥王星，位于海王星以外的柯伊伯带内侧，是柯伊伯带中已知的最大天体。[57] 直径约为2370±20km，是地球直径的18.5%。[58] 2006年8月24日，国际天文学联合会大会24日投票决定，不再将传统九大行星之一的冥王星视为行星，而将其列入“矮行星”。大会通过的决议规定，“行星”指的是围绕太阳运转、自身引力足以克服其刚体力而使天体呈圆球状、能够清除其轨道附近其他物体的天体。在太阳系传统的“九大行星”中，只有水星、金星、地球、火星、木星、土星、天王星和海王星符合这些要求。冥王星由于其轨道与海王星的轨道相交，不符合新的行星定义，因此被自动降级为“矮行星”。[59] 冥王星的表面温度大概在-238到-228℃之间。冥王星的成份由70%岩石和30%冰水混合而成的。地表上光亮的部分可能覆盖着一些固体氮以及少量 卫星拍月球经过地球，可见清晰月球背面 卫星拍月球经过地球，可见清晰月球背面 [60] 的固体甲烷和一氧化碳，冥王星表面的黑暗部分可能是一些基本的有机物质或是由宇宙射线引发的光化学反应。冥王星的大气层主要由氮和少量的一氧化碳及甲烷组成。大气极其稀薄，地面压强只有少量微帕。[61] 地球是离太阳第三颗行星，是我们人类的家乡，尽管地球是太阳系中一颗普通的行星，但它在许多方面都是独一无二的。比如，它是太阳系中唯一一颗面积大部分被水覆盖的行星，也是目前所知唯一一颗有生命存在的星球。质量M=5.9742 ×10^24 公斤，表面温度：t = - 30 ～ +45。[62] 英国科研人员在《天体生物学》杂志上报告说，如果没有小行星撞击等可能剧烈改变环境的事件发生，地球适宜人类居住的时间还剩约17.5亿年，不过人为造成的气候变化可能缩短这一时间。[63] 彗星是由灰尘和冰块组成的太阳系中的一类小天体，绕日运动。[64] 科学家使用探测器对彗星的化学遗留物进行分析，发现其主要成份为氨、甲烷、硫化氢、氰化氢和甲醛。科学家得出结论称，彗星的气味闻起来像是臭鸡蛋、马尿、酒精和苦杏仁的气味综合。[65-66] “67P/楚留莫夫-格拉希门克”彗星 “67P/楚留莫夫-格拉希门克”彗星 [67] 在太阳系的周围还包裹着一个庞大的“奥尔特云”。星云内分布着不计其数的冰块、雪团和碎石。其中的某些会受太阳引力影响飞入内太阳系，这学说，在原有的轨道(或称小天体轨道)上又增加了更多的天体运行轨道。这一模式称每颗行星都沿着一个小轨道作圆周运行，而小轨道又沿着该行星的大轨道绕地球作圆周运动。几百年之后，这一模式的漏洞越来越明显。科学家们又在这个模式上增加了许多轨道，行星就这样沿着一道又一道的轨道作圆周运动。哥白尼想用“现代”(16世纪的)技术来改进托勒密的测量结果，以期取消一些小轨道。在长达近20年的时间里，哥白尼不辞辛劳日夜测量行星的位置，但其测量获得的结果仍然与托勒密的天体运行模式没有多少差别。哥白尼想知道在另一个运行着的行星上观察这些行星的运行情况会是什么样的。基于这种设想，哥白尼萌发了一个念头：假如地球在运行中，那么这些行星的运行看上去会是什么情况呢？这一设想在他脑海里变得清晰起来了。一年里，哥白尼在不同的时间、不同的距离从地球上观察行星，每一个行星的情况都不相同，这是他意识到地球不可能位于星星轨道的中心。经过20年的观测，哥白尼发现唯独太阳的周年变化不明显。这意味着地球和太阳的距离始终没有改变。如果地球不是宇宙的中心，那么宇宙的中心就是太阳。的发现才使牛顿有能力确定运动定律和万有引力定律。哥白尼的日心宇宙体系既然是时代的产物，它就不能不受到时代的限制。反对神学的不彻底性，同时表现在哥白尼的某些观点上，他的体系是存在缺陷的。哥白尼所指的宇宙是局限在一个小的范围内的，具体来说，他的宇宙结构就是今天我们所熟知的太阳系，即以太阳为中心的天体系统。宇宙既然有它的中心，就必须有它的边界，哥白尼虽然否定了托勒玫的“九重天”，但他却保留了一层恒星天，尽管他回避了宇宙是否有限这个问题，但实际上他是相信恒星天球是宇宙的“外壳”，他仍然相信天体只能按照所谓完美的圆形轨道运动，所以哥白尼的宇宙体系，仍然包含着不动的中心天体。但是作为近代自然科学的奠基人，哥白尼的历史功绩是伟大的。确认地球不是宇宙的中心，而是行星之一，从而掀起了一场天文学上根本性的革命，是人类探求客观真理道路上的里程碑。哥白尼的伟大成就，不仅铺平了通向近代天文学的道路，而且开创了整个自然界科学向前迈进的新时代。从哥白尼时代起，脱离教会束缚的自然科学和哲学开始获得飞跃的发展。哥白尼的科学成就，是他所处时代的产物，又转过来推动了时代的发展。顺应时代变化 十五、六世纪的欧洲，正是从封建社会向资本主义社会转变的关键时期，在这一二百年间，社会发生了巨大的变化。14世纪ndali soon after. She held out hope, she would later tell family members, sometimes tearing up at the memory, that once they were married, she could get their 别让梦想只停留在梦里。181. A day without laughter is a day wasted. 没有笑声的一天是浪费了的一天。(卓别林) 182. Travel and see the world; afterwards, you will be able to put your concerns in perspective. 去旅行吧，见的世面多了，你会发现原来在意的那些结根本算不了什么。183. The key to acquiring proficiency in any task is repetition. 任何事情成功关键都是熟能生巧。《生活大爆炸》 184. You can be happy no matter what. 开心一点吧，管它会怎样。baby boy back. Arthur Schieble died in August 1955, after the adoption was finalized. Just after Christmas that year, Joanne and Abdulfattah were married in St. Philip the Apostle Catholic Church in Green Bay. He got his PhD in international politics the next year, and then they had another child, a girl named Mona. After she and Jandali divorced in 1962, Joanne embarked on a dreamy and peripatetic life that her daughter, who grew up to become the acclaimed novelist Mona Simpson, would capture in her book Anywhere but Here. Because Steve’s adoption had been closed, it would be twenty years before they would all find each other. Steve Jobs knew from an early age that he was adopted. “My parents were very open with me about that,” he recalled. He had a vivid memory of sitting on the lawn of his house, when he was six or seven years old, telling the girl who lived across the street. “So does that mean your real parents didn’t want you?” the girl asked. “Lightning bolts went off in my head,” according to Jobs. “I remember running into the house, crying. And my parents said, ‘No, you have to understand.’ They were very serious and looked me straight in the eye. They said, ‘We specifically picked you out.’ Both of my parents said that and repeated it slowly for me. And they put an emphasis on every word in that sentence.” Abandoned. Chosen. Special. Those concepts became part of who Jobs was and how he regarded himself. His closest friends think that the knowledge that he was given up at birth left some scars. “I think his desire for complete control of whatever he makes derives directly from his personality and the fact that he was abandoned at birth,” said one longtime colleague, Del Yocam. “He wants to control his environment, and he sees the product as an extension of himself.” Greg Calhoun, who became close to Jobs right after college, saw another effect. “Steve talked to me a lot about being abandoned and the pain that caused,” he said. “It made him independent. He followed the beat of a different drummer, and that came from being in a different world than he was born into.” Later in life, when he was the same age his biological father had been when he abandoned him, Jobs would father and abandon a child of his own. (He eventually took responsibility for her.) Chrisann Brennan, the mother of that child, said that being put up for adoption left Jobs “full of broken glass,” and it helps to explain some of his behavior. “He who is abandoned is an abandoner,” she said. Andy Hertzfeld, who worked with Jobs at Apple in the early 1980s, is among the few who remained close to both Brennan and Jobs. “The key question about Steve is why he can’t control himself at times from being so reflexively cruel and harmful to some people,” he said. “That goes back to being abandoned at birth. The real underlying problem was the theme of abandonment in Steve’s life.” Jobs dismissed this. “There’s some notion that because I was abandoned, I worked very hard so I could do well and make my parents wish they had me back, or some such nonsense, but that’s ridiculous,” he insisted. “Knowing I was adopted may have made me feel more independent, but I have never felt abandoned. I’ve always felt special. My parents made me feel special.” He would later bristle whenever anyone referred to Paul and Clara Jobs as his “adoptive” parents or implied that they were not his “real” parents. “They were my parents 1,000%,” he said. When speaking about his biological parents, on the other hand, he was curt: “They were my sperm and egg bank. That’s not harsh, it’s just the way it was, a sperm bank thing, nothing more.” Silicon Valley The childhood that Paul and Clara Jobs created for their new son was, in many ways, a stereotype of the late 1950s. When Steve was two they adopted a girl they named Patty, and three years later they moved to a tract house in the suburbs. The finance company where Paul worked as a repo man, CIT, had transferred him down to its Palo Alto office, but he could not afford to live there, so they landed in a subdivision in Mountain View, a less expensive town just to the south. There Paul tried to pass along his love of mechanics and cars. “Steve, this is your workbench now,” he said as he marked off a section of the table in their garage. Jobs remembered being impressed by his father’s focus on craftsmanship. “I thought my dad’s sense of design was pretty good,” he said, “because he knew how to build anything. If we needed a cabinet, he would build it. When he built our fence, he gave me a hammer so I could work with him.” Fifty years later the fence still surrounds the back and side yards of the house in Mountain View. As Jobs showed it off to me, he caressed the stockade panels and recalled a lesson that his father implanted deeply in him. It was important, his father said, to craft the backs of cabinets and fences properly, even though they were hidden. “He loved doing things right. He even cared about the look of the parts you couldn’t see.” His father continued to refurbish and resell used cars, and he festooned the garage with pictures of his favorites. He would point out the detailing of the design to his son: the lines, the vents, the chrome, the trim of the seats. After work each day, he would change into his dungarees and retreat to the garage, often with Steve tagging along. “I figured I could get him nailed down with a little mechanical ability, but he really wasn’t interested in getting his hands dirty,” Paul later recalled. “He never really cared too much about m189. It requires hard work to give off an appearance of effortlessness. 你必须十分努力，才能看起来毫不费力。190. Life is like riding a bicycle.To keep your balance,you must keep moving. 人生就像骑单车，只有不断前进，才能保持平衡。(爱因斯坦) 191. Be thankful for what you have.You'll end up having more. 拥有一颗感恩的心，最终你会得到更多。192. Beauty is how you feel inside, and it reflects in your eyes. 美是一种内心的感觉，并反映在你的眼睛里。(索菲亚·罗兰) 193. Friendship doubles your joys, and divides your sorrows. 朋友的作用，就是让你快乐加倍，痛苦减半。194. When you long for something sincerely, the whole world will help you. 当你真心渴望某样东西时，整个宇宙都会来帮忙。echanical things.” “I wasn’t that into fixing cars,” Jobs admitted. “But I was eager to hang out with my dad.” Even as he was growing more aware that he had been adopted, he was becoming more attached to his father. One day when he was about eight, he discovered a photograph of his father from his time in the Coast Guard. “He’s in the engine room, and he’s got his shirt off and looks like James Dean. It was one of those Oh wow moments for a kid. Wow, oooh, my parents were actually once very young and really good-looking.” Through cars, his father gave Steve his first exposure to electronics. “My dad did not have a deep understanding of electronics, but he’d encountered it a lot in automobiles and other things he would fix. He showed me the rudiments of electronics, and I got very interested in that.” Even more interesting were the trips to scavenge for parts. “Every weekend, there’d be a junkyard trip. We’d be looking for a generator, a carburetor, all sorts of components.” He remembered watching his father negotiate at the counter. “He was a good bargainer, because he knew better than the guys at the counter what the parts should cost.” This helped fulfill the pledge his parents made when he was adopted. “My college fund came from my dad paying $50 for a Ford Falcon or some other beat-up car that didn’t run, working on it for a few weeks, and selling it for $250—and not telling the IRS.” The Jobses’ house and the others in their neighborhood were built by the real estate developer Joseph Eichler, whose company spawned more than eleven thousand homes in various California subdivisions between 1950 and 1974. Inspired by Frank Lloyd Wright’s vision of simple modern homes for the American “everyman,” Eichler built inexpensive houses that featured floor-to-ceiling glass walls, open floor plans, exposed post-and-beam construction, concrete slab floors, and lots of sliding glass doors. “Eichler did a great thing,” Jobs said on one of our walks around the neighborhood. “His houses were smart and cheap and good. They brought clean design and simple taste to lower-income people. They had awesome little features, like radiant heating in the floors. You put carpet on them, and we had nice toasty floors when we were kids.” Jobs said that his appreciation for Eichler homes instilled in him a passion for making nicely designed products for the mass market. “I love it when you can bring really great design and simple capability to something that doesn’t cost much,” he said as he pointed out the clean elegance of the houses. “It was the original vision for Apple. That’s what we tried to do with the first Mac. That’s what we did with the iPod.” Across the street from the Jobs family lived a man who had become successful as a real estate agent. “He wasn’t that bright,” Jobs recalled, “but he seemed to be making a fortune. So my dad thought, ‘I can do that.’ He worked so hard, I remember. He took these night classes, passed the license test, and got into real estate. Then the bottom fell out of the market.” As a result, the family found itself financially strapped for a year or so while Steve was in elementary school. His mother took a job as a bookkeeper for Varian Associates, a company that made scientific instruments, and they took out a second mortgage. One day his fourth-grade teacher asked him, “What is it you don’t understand about the universe?” Jobs replied, “I don’t understand why all of a sudden my dad is so broke.” He was proud that his father never adopted a servile attitude or slick style that may have made him a better salesman. “You had to suck up to people to sell real estate, and he wasn’t good at that and it wasn’t in his nature. I admired him for that.” Paul Jobs went back to being a mechanic. His father was calm and gentle, traits that his son later praised more than emulated. He was also resolute. Jobs described one exampl What made the neighborhood different from the thousands of other spindly-tree subdivisions across America was that even the ne’er-do-wells tended to be engineers. “When we moved here, there were apricot and plum orchards on all of these corners,” Jobs recalled. “But it was beginning to boom because of military investment.” He soaked up the history of the valley and developed a yearning to play his own role. Edwin Land of Polaroid later told him about being asked by Eisenhower to help build the U-2 spy plane cameras to see how real the Soviet threat was. The film was dropped in canisters and returned to the NASA Ames Research Center in Sunnyvale, not far from where Jobs lived. “The first computer terminal I ever saw was when my dad brought me to the Ames Center,” he said. “I fell totally in love with it.” Other defense contractors sprouted nearby during the 1950s. The Lockheed Missiles and Space Division, which built submarine-launched ballistic missiles, was founded in 1956 next to the NASA Center; by the time Jobs moved to the area four years later, it employed twenty thousand people. A few hundred yards away, Westinghouse built facilities that produced tubes and electrical transformers for the missile systems. “You had all these military companies on the cutting edge,” he recalled. “It was mysterious and high-tech and made living here very exciting.” In the wake of the defense industries there arose a booming economy based on technology. Its roots stretched back to 1938, when David Packard and his new wife moved into a house in Palo Alto that had a shed where his friend Bill Hewlett was soon ensconced. The house had a garage—an appendage that would prove both useful and iconic in the valley—in which they tinkered around until they had their first product, an audio oscillator. By the 1950s, Hewlett-Packard was a fast-growing company making technical instruments. Fortunately there was a place nearby for entrepreneurs who had outgrown their garages. In a move that would help transform the area into the cradle of the tech revolution, Stanford University’s dean of engineering, Frederick Terman, created a seven-hundred-acre industrial park on university land for private companies that could commercialize the ideas of his students. Its first tenant was Varian Associates, where Clara Jobs worked. “Terman came up with this great idea that did more than anything to cause the tech industry to grow up here,” Jobs said. By the time Jobs was ten, HP had nine thousand employees and was the blue-chip company where every engineer seeking financial stability wanted to work. The most important technology for the region’s growth was, of course, the semiconductor. William Shockley, who had been one of the inventors of the transistor at Bell Labs in New Jersey, moved out to Mountain View and, in 1956, started a company to build transistors using silicon rather than the more expensive germanium that was then commonly used. But Shockley became increasingly erratic and abandoned his silicon transistor project, which led eight of his engineers—most notably Robert Noyce and Gordon Moore—to break away to form Fairchild Semiconductor. That company grew to twelve thousand employees, but it fragmented in 1968, when Noyce lost a power struggle to become CEO. He took Gordon Moore and founded a company that they called Integrated Electronics Corporation, which they soon smartly abbreviated to Intel. Their third employee was Andrew Grove, who later would grow the company by shifting its focus from memory chips to microprocessors. Within a few years there would be more than fifty companies in the area making semiconductors. The exponential growth of this industry was correlated with the phenomenon famously discovered by Moore, who in 1965 drew a graph of the speed of integrated circuits, based on the number of transistors that could be placed on a chip, and showed that it doubled about every two years, a trajectory that could be expected to continue. This was reaffirmed in 1971, when Intel was able to etch a complete central processing unit onto one chip, the Intel 4004, tronic amplifier. “So I raced home, and I told my dad that he was wrong.” “No, it needs an amplifier,” his father assured him. When Steve protested otherwise, his father said he was crazy. “It can’t work without an amplifier. There’s some trick.” “I kept saying no to my dad, telling him he had to see it, and finally he actually walked down with me and saw it. And he said, ‘Well I’ll be a bat out of hell.’” Jobs recalled the incident vividly because it was his first realization that his father did not know everything. Then a more disconcerting discovery began to dawn on him: He was smarter than his parents. He had always admired his father’s competence and savvy. “He was not an educated man, but I had always thought he was pretty damn smart. He didn’t read much, but he could do a lot. Almost everything mechanical, he could figure it out.” Yet the carbon microphone incident, Jobs said, began a jarring process of realizing that he was in fact more clever and quick than his parents. “It was a very big moment that’s burned into my mind. When I realized that I was smarter than my parents, I felt tremendous shame for having thought that. I will never forget that moment.” This discovery, he later told friends, along with the fact that he was adopted, made him feel apart—detached and separate—from both his family and the world. Another layer of awareness occurred soon after. Not only did he discover that he was brighter than his parents, but he discovered that they knew this. Paul and Clara Jobs were loving parents, and they were willing to adapt their lives to suit a son who was very smart—and also willful. They would go to great lengths to accommodate him. And soon Steve discovered this fact as well. “Both my parents got me. They felt a lot of responsibility once they sensed that I was special. They found ways to keep feeding me stuff and putting me in better schools. They were willing to defer to my needs.” So he grew up not only with a sense of having once been abandoned, but also with a sense that he was special. In his own mind, that was more important in the formation of his personality. School Even before Jobs started elementary school, his mother had taught him how to read. This, however, led to some problems once he got to school. “I was kind of bored for the first few years

     一时之间人心惶惶，很多人担心很快将不能从银行取现，其他银行会不会也开始效仿，上了年纪不会用手机支付的老人该怎么办？

     这两家银行还给自己标榜是“加快数字化转型”的前卫，背地里则是全民使用现金量逐年大幅减少，中小民营银行感受更为明显，停办现金业务，说白了不过是节省运营成本。

    

     出于安全考虑，银行现金一般都不在网点过夜，每天都得清点完毕后再通过安保公司押运到指定金库，不论现金量多少，只要有现金进出，这样的流程就必不可少。

     对一年到头也存不进来三瓜两枣的中小银行来说，一个网点一年近10万的押运费，不是一个小数目。

     2月21日，央行副行长范一飞明确表示：不予放行，必须办理，凡是有实体网点的银行和农信社，都必须办理人民币现金存取业务，因为这是最基础、最根本的金融服务!

    

     两家银行全面转型移动支付和线上业务的算盘破灭了，部分农信社和外资银行的跟风举措也被紧急刹车!央行支持发展数字化业务，但绝不允许借此抛弃现金。

     5年前，支付宝在国内移动支付市场大杀四方、攻城略地之际，就曾喊出“消灭现金”的口号，随即遭到央行的捶打。

    

     即便掌握再先进的技术，也不能无所顾忌。

     三

     一边等待，一边捶打，央行布下了一盘大棋。

     两大信号，已不言自明：

     1、崇尚良性竞争，给中小银行做大做强的机会。

     基于各种历史原因，国内大大小小的银行、信用社等金融机构超过4600家，部分中小城商行和地方银行，凭借对当地经济的了解和政策扶持，有能力也有条件进一步融入地方发展，扩大资产规模。

    

     这一类机构，正是央行愿意给机会等待发展壮大的对象。

     至于那些原本依靠支付宝、微信等互联网巨头才能拉到存款、粮草被断就难以为继的小银行，活该被淘汰出局。

     2、主动引爆炸弹，鼓励更多银行兼并重组。

     随着国有四大行已全面渗透到全国中小乡镇，很多金融机构原有的使命已经完成，4000家中小银行中的相当比例，存在很大爆雷的风险。

     央行发布的2021年二季度评级结果显示：全国高达10%的城商行被评为“高风险机构”，其中包括农村商业银行、农村合作银行、农村信用社的农合机构风险最高，有271家银行被列入其中，其次是122家村镇银行，两者合计占比93%。

     毫无疑问，与其坐视这几百家银行走上包商银行的悲剧，炸雷后波及无数人，不如先一步下手排雷，引导其他有实力的银行进行“大鱼吃小鱼”。

     统计数据显示，近一年多以来，已经有超过30家中小银行和信用社被吞并，它们就这么无声无息的消失了，隐藏的地雷被排除，对普通用户基本没有影响。

    

     如此稳妥的排雷，很可能将是4000家中小银行中的大多数接下来要面对的狂风暴雨。

     无数银行网点经理，一夜之间面临下岗危机，不是自己不行，而是时代不需要了。

     四

     山雨欲来风满楼，传统银行的危机，比阿里、腾讯来的更猛烈!

     央行用亲身行动表明，就算是亲儿子，犯了事也照打不误，任何人都没有免死金牌，大到不能倒绝不仅仅是对蚂蚁们说的!

    

     渤海银行酿出“28亿存款失踪案”，案件至今还在调查中，但这家全国排名前20的大型城商行要挨的锤，早已在路上了。

     浓眉大眼的国有大行，建行、工行各地营业网点犯的事，国家也绝不会姑息。

     今后，再看到有银行破产倒闭，我们也用不着惊讶，这也算不是什么坏事。

     从今往后，那些还高高在上、不思进取、妄想躺赚的传统银行，都危险了。

     不变革自己，就等着被别人变革，银行的世界里，也从来没有什么救世主。

     时代抛弃银行时，同样连招呼都不会打!

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     — THE END —

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