¡¶rich dad poor dad¡·

ÏÂÔر¾Êé

Ìí¼ÓÊéÇ©

rich dad poor dad- µÚ18²¿·Ö


°´¼üÅÌÉÏ·½Ïò¼ü ¡û »ò ¡ú ¿É¿ìËÙÉÏÏ·­Ò³£¬°´¼üÅÌÉ쵀 Enter ¼ü¿É»Øµ½±¾ÊéĿ¼ҳ£¬°´¼üÅÌÉÏ·½Ïò¼ü ¡ü ¿É»Øµ½±¾Ò³¶¥²¿£¡
Once¡¡we¡¡leave¡¡school£»¡¡most¡¡of¡¡us¡¡know¡¡that¡¡it¡¡is¡¡not¡¡as¡¡much¡¡a¡¡matter¡¡of¡¡college¡¡degrees¡¡or¡¡good¡¡grades¡¡that¡¡count¡£¡¡In¡¡the¡¡real¡¡world¡¡outside¡¡of¡¡academics£»¡¡something¡¡more¡¡than¡¡just¡¡grades¡¡is¡¡required¡£¡¡I¡¡have¡¡heard¡¡it¡¡called¡¡¡¨guts£»¡¨¡¡¡¨chutzpah£»¡¨¡¡¡¨balls£»¡¨¡¡¡¨audacity£»¡¨¡¡¡¨bravado£»¡¨¡¡¡¨cunning£»¡¨¡¡¡¨daring£»¡¨¡¡¡¨tenacity¡¨¡¡and¡¡¡¨brilliance¡£¡¨¡¡This¡¡factor£»¡¡whatever¡¡it¡¡is¡¡labeled£»¡¡ultimately¡¡decides¡¡one's¡¡future¡¡much¡¡more¡¡than¡¡school¡¡grades¡£
Inside¡¡each¡¡of¡¡us¡¡is¡¡one¡¡of¡¡these¡¡brave£»¡¡brilliant¡¡and¡¡daring¡¡characters¡£¡¡There¡¡is¡¡also¡¡the¡¡flip¡¡side¡¡of¡¡that¡¡character£º¡¡people¡¡who¡¡could¡¡get¡¡down¡¡on¡¡their¡¡knees¡¡and¡¡beg¡¡if¡¡necessary¡£¡¡After¡¡a¡¡year¡¡in¡¡Vietnam£»¡¡as¡¡a¡¡Marine¡¡Corps¡¡pilot£»¡¡I¡¡intimately¡¡got¡¡to¡¡know¡¡both¡¡of¡¡those¡¡characters¡­inside¡¡of¡¡me¡£¡¡¡¡One¡¡is¡¡not¡¡better¡¡than¡¡the¡¡other¡£
Yet£»¡¡as¡¡a¡¡teacher£»¡¡I¡¡recognized¡¡that¡¡it¡¡was¡¡excessive¡¡fear¡¡and¡¡self¡­doubt¡¡that¡¡were¡¡the¡¡greatest¡¡detractors¡¡of¡¡personal¡¡genius¡£¡¡¡¡It¡¡broke¡¡my¡¡heart¡¡to¡¡see¡¡students¡¡know¡¡the¡¡answers£»¡¡yet¡¡lack¡¡the¡¡courage¡¡to¡¡act¡¡on¡¡the¡¡answer¡£¡¡Often¡¡in¡¡the¡¡real¡¡world£»¡¡it's¡¡not¡¡the¡¡smart¡¡that¡¡get¡¡ahead¡¡but¡¡the¡¡bold¡£
In¡¡my¡¡personal¡¡experience£»¡¡your¡¡financial¡¡genius¡¡requires¡¡both¡¡technical¡¡knowledge¡¡as¡¡well¡¡as¡¡courage¡£¡¡If¡¡fear¡¡is¡¡too¡¡strong£»¡¡the¡¡genius¡¡is¡¡suppressed¡£¡¡In¡¡my¡¡classes¡¡I¡¡strongly¡¡urge¡¡students¡¡to¡¡learn¡¡to¡¡take¡¡¡¡¡¡¡¡¡¡¡¡¡¡£¿risks£»¡¡to¡¡be¡¡bold£»¡¡to¡¡let¡¡their¡¡genius¡¡convert¡¡that¡¡fear¡¡into¡¡power¡¡and¡¡brilliance¡£¡¡It¡¡works¡¡for¡¡some¡¡and¡¡just¡¡terrifies¡¡others¡£¡¡I¡¡have¡¡e¡¡to¡¡realize¡¡that¡¡for¡¡most¡¡people£»¡¡when¡¡it¡¡es¡¡to¡¡the¡¡subject¡¡of¡¡money£»¡¡they¡¡would¡¡rather¡¡play¡¡it¡¡safe¡£¡¡I¡¡have¡¡had¡¡to¡¡field¡¡questions¡¡such¡¡as£º¡¡Why¡¡take¡¡risks£¿¡¡Why¡¡should¡¡I¡¡bother¡¡developing¡¡my¡¡financial¡¡IQ£¿¡¡Why¡¡should¡¡I¡¡bee¡¡financially¡¡literate£¿
And¡¡I¡¡answer£»¡¡¡¨Just¡¡to¡¡have¡¡more¡¡options¡£¡¨
There¡¡are¡¡huge¡¡changes¡¡up¡¡head¡£¡¡Just¡¡as¡¡I¡¡started¡¡with¡¡the¡¡story¡¡of¡¡the¡¡young¡¡inventor¡¡Alexander¡¡Graham¡¡Bell£»¡¡in¡¡the¡¡ing¡¡years¡¡there¡¡will¡¡be¡¡more¡¡people¡¡just¡¡like¡¡him¡£¡¡There¡¡will¡¡be¡¡a¡¡hundred¡¡people¡¡like¡¡Bill¡¡Gates¡¡and¡¡hugely¡¡successful¡¡panies¡¡like¡¡Microsoft¡¡created¡¡every¡¡year£»¡¡all¡¡over¡¡the¡¡world¡£¡¡And¡¡there¡¡also¡¡will¡¡be¡¡many¡¡more¡¡bankruptcies£»¡¡layoffs¡¡and¡¡downsizing¡£
So¡¡why¡¡bother¡¡developing¡¡your¡¡financial¡¡IQ£¿¡¡No¡¡one¡¡can¡¡answer¡¡that¡¡but¡¡you¡£¡¡Yet£»¡¡I¡¡can¡¡tell¡¡you¡¡why¡¡I¡¡myself¡¡do¡¡it¡£¡¡¡¡I¡¡do¡¡it¡¡because¡¡it¡¡is¡¡the¡¡most¡¡exciting¡¡time¡¡to¡¡be¡¡alive¡£¡¡I'd¡¡rather¡¡be¡¡weling¡¡change¡¡than¡¡dreading¡¡change¡£¡¡¡¡I'd¡¡rather¡¡be¡¡excited¡¡about¡¡making¡¡millions¡¡than¡¡worrying¡¡about¡¡not¡¡getting¡¡a¡¡raise¡£¡¡This¡¡period¡¡we¡¡are¡¡in¡¡now¡¡is¡¡a¡¡most¡¡exciting¡¡time£»¡¡unprecedented¡¡in¡¡our¡¡world's¡¡history¡£¡¡Generations¡¡from¡¡now£»¡¡people¡¡will¡¡look¡¡back¡¡at¡¡this¡¡period¡¡of¡¡time¡¡and¡¡remark¡¡at¡¡what¡¡an¡¡exciting¡¡era¡¡it¡¡must¡¡have¡¡been¡£¡¡It¡¡was¡¡the¡¡death¡¡of¡¡the¡¡old¡¡and¡¡birth¡¡of¡¡the¡¡new¡£¡¡It¡¡was¡¡full¡¡of¡¡turmoil¡¡and¡¡it¡¡was¡¡exciting¡£
So¡¡why¡¡bother¡¡developing¡¡your¡¡financial¡¡IQ£¿¡¡Because¡¡if¡¡you¡¡do£»¡¡you¡¡will¡¡prosper¡¡greatly¡£¡¡And¡¡if¡¡you¡¡don't£»¡¡this¡¡period¡¡of¡¡time¡¡will¡¡be¡¡a¡¡frightening¡¡one¡£¡¡It¡¡will¡¡be¡¡a¡¡time¡¡of¡¡watching¡¡people¡¡move¡¡boldly¡¡forward¡¡while¡¡others¡¡cling¡¡to¡¡decaying¡¡life¡¡rings¡£
Land¡¡was¡¡wealth¡¡300¡¡years¡¡ago¡£¡¡So¡¡the¡¡person¡¡who¡¡owned¡¡the¡¡land¡¡owned¡¡the¡¡wealth¡£¡¡Then£»¡¡it¡¡was¡¡factories¡¡and¡¡production£»¡¡and¡¡America¡¡rose¡¡to¡¡dominance¡£¡¡The¡¡industrialist¡¡owned¡¡the¡¡wealth¡£¡¡Today£»¡¡it¡¡is¡¡information¡£¡¡And¡¡the¡¡person¡¡who¡¡has¡¡the¡¡most¡¡timely¡¡information¡¡owns¡¡the¡¡wealth¡£¡¡The¡¡problem¡¡is£»¡¡information¡¡flies¡¡all¡¡around¡¡the¡¡world¡¡at¡¡the¡¡speed¡¡of¡¡light¡£¡¡The¡¡new¡¡wealth¡¡cannot¡¡be¡¡contained¡¡by¡¡boundaries¡¡and¡¡borders¡¡as¡¡land¡¡and¡¡factories¡¡were¡£¡¡The¡¡changes¡¡will¡¡be¡¡faster¡¡and¡¡more¡¡dramatic¡£¡¡There¡¡will¡¡be¡¡a¡¡dramatic¡¡increase¡¡in¡¡the¡¡number¡¡of¡¡new¡¡multimillionaires¡£¡¡There¡¡also¡¡will¡¡be¡¡those¡¡who¡¡are¡¡left¡¡behind¡£
Today£»¡¡I¡¡find¡¡so¡¡many¡¡people¡¡struggling£»¡¡often¡¡working¡¡harder£»¡¡simply¡¡because¡¡they¡¡cling¡¡to¡¡old¡¡ideas¡£¡¡They¡¡want¡¡things¡¡to¡¡be¡¡the¡¡way¡¡they¡¡were£»¡¡they¡¡resist¡¡change¡£¡¡¡¡I¡¡know¡¡people¡¡who¡¡are¡¡losing¡¡their¡¡jobs¡¡or¡¡their¡¡houses£»¡¡and¡¡they¡¡blame¡¡technology¡¡or¡¡the¡¡economy¡¡or¡¡their¡¡boss¡£¡¡Sadly¡¡they¡¡fail¡¡to¡¡realize¡¡that¡¡they¡¡might¡¡be¡¡the¡¡problem¡£¡¡Old¡¡ideas¡¡are¡¡their¡¡biggest¡¡liability¡£¡¡¡¡It¡¡is¡¡a¡¡liability¡¡simply¡¡because¡¡they¡¡fail¡¡to¡¡realize¡¡that¡¡while¡¡that¡¡idea¡¡or¡¡way¡¡of¡¡doing¡¡something¡¡was¡¡an¡¡asset¡¡yesterday£»¡¡yesterday¡¡is¡¡gone¡£
One¡¡afternoon¡¡I¡¡was¡¡teaching¡¡investing¡¡using¡¡a¡¡board¡¡game¡¡I¡¡had¡¡invented£»¡¡CASHFLOW£»¡¡as¡¡a¡¡teaching¡¡tool¡£¡¡A¡¡friend¡¡had¡¡brought¡¡someone¡¡along¡¡to¡¡attend¡¡the¡¡class¡£¡¡This¡¡friend¡¡of¡¡a¡¡friend¡¡was¡¡recently¡¡divorced£»¡¡had¡¡been¡¡badly¡¡burned¡¡in¡¡the¡¡divorce¡¡settlement£»¡¡and¡¡was¡¡now¡¡searching¡¡for¡¡some¡¡answers¡£¡¡Her¡¡friend¡¡thought¡¡the¡¡class¡¡might¡¡help¡£
The¡¡game¡¡was¡¡designed¡¡to¡¡help¡¡people¡¡learn¡¡how¡¡money¡¡works¡£¡¡In¡¡playing¡¡the¡¡game£»¡¡they¡¡learn¡¡about¡¡the¡¡interaction¡¡of¡¡the¡¡ine¡¡statement¡¡with¡¡the¡¡balance¡¡sheet¡£¡¡They¡¡learn¡¡how¡¡¡¨cash¡¡flows¡¨¡¡between
the¡¡two¡¡and¡¡how¡¡the¡¡road¡¡to¡¡wealth¡¡is¡¡through¡¡striving¡¡to¡¡increase¡¡your¡¡monthly¡¡cash¡¡flow¡¡from¡¡the¡¡asset¡¡column¡¡to¡¡the¡¡point¡¡that¡¡it¡¡exceeds¡¡your¡¡j¡¡monthly¡¡expenses¡£¡¡Once¡¡you¡¡acplish¡¡this£»¡¡you¡¡are¡¡able¡¡to¡¡get¡¡out¡¡of¡¡the¡¡¡¨Rat¡¡Race¡¨¡¡and¡¡out¡¡onto¡¡the¡¡¡¨Fast¡¡Track¡¨¡£
As¡¡I¡¡have¡¡said£»¡¡some¡¡people¡¡hate¡¡the¡¡game£»¡¡some¡¡love¡¡it£»¡¡and¡¡others¡¡miss¡¡the¡¡point¡£¡¡This¡¡woman¡¡missed¡¡a¡¡valuable¡¡opportunity¡¡to¡¡learn¡¡something¡£¡¡In¡¡the¡¡opening¡¡round£»¡¡she¡¡drew¡¡a¡¡¡¨doodad¡¨¡¡card¡¡with¡¡the¡¡boat¡¡on¡¡it¡£¡¡At¡¡first¡¡she¡¡was¡¡happy¡£¡¡¡¡¡¨Oh£»¡¡I've¡¡got¡¡a¡¡boat¡£¡¨¡¡Then£»¡¡as¡¡her¡¡friend¡¡tried¡¡to¡¡explain¡¡how¡¡the¡¡numbers¡¡worked¡¡on¡¡her¡¡ine¡¡statement¡¡and¡¡balance¡¡sheet£»¡¡she¡¡got¡¡frustrated¡¡because¡¡she¡¡¡¨had¡¡never¡¡liked¡¡math¡£¡¡The¡¡rest¡¡of¡¡her¡¡table¡¡waited¡¡while¡¡her¡¡friend¡¡continued¡¡explaining¡¡the¡¡relationship¡¡between¡¡the¡¡ine¡¡statement£»¡¡balance¡¡sheet¡¡and¡¡monthly¡¡cash¡¡flow¡£¡¡¡¡Suddenly£»¡¡when¡¡she¡¡realized¡¡how¡¡the¡¡numbers¡¡worked£»¡¡it¡¡dawned¡¡on¡¡her¡¡that¡¡her¡¡boat¡¡was¡¡eating¡¡her¡¡alive¡£¡¡Later¡¡on¡¡in¡¡the¡¡game£»¡¡she¡¡was¡¡also¡¡¡¨downsized¡¨¡¡and¡¡had¡¡a¡¡child¡£¡¡It¡¡was¡¡a¡¡horrible¡¡game¡¡for¡¡her¡£
After¡¡the¡¡class£»¡¡her¡¡friend¡¡came¡¡by¡¡and¡¡told¡¡me¡¡that¡¡she¡¡was¡¡upset¡£¡¡She¡¡had¡¡e¡¡to¡¡the¡¡class¡¡to¡¡learn¡¡about¡¡investing¡¡and¡¡did¡¡not¡¡like¡¡the¡¡idea¡¡that¡¡it¡¡took¡¡so¡¡long¡¡to¡¡play¡¡a¡¡silly¡¡game¡£
Her¡¡friend¡¡attempted¡¡to¡¡tell¡¡her¡¡to¡¡look¡¡within¡¡herself¡¡to¡¡see¡¡if¡¡the¡¡game¡¡¡¨reflected¡¨¡¡on¡¡herself¡¡in¡¡any¡¡way¡£¡¡With¡¡that¡¡suggestion£»¡¡the¡¡woman¡¡demanded¡¡her¡¡money¡¡back¡£¡¡She¡¡said¡¡that¡¡the¡¡very¡¡idea¡¡that¡¡a¡¡game¡¡could¡¡be¡¡a¡¡reflection¡¡of¡¡her¡¡was¡¡ridiculous¡£¡¡Her¡¡money¡¡was¡¡promptly¡¡refunded¡¡and¡¡she¡¡left¡£
Since¡¡1984£»¡¡I¡¡have¡¡made¡¡millions¡¡simply¡¡by¡¡doing¡¡what¡¡the¡¡school¡¡system¡¡does¡¡not¡£¡¡In¡¡school£»¡¡most¡¡teachers¡¡lecture¡£¡¡I¡¡hated¡¡lectures¡¡as¡¡a¡¡student£»¡¡I¡¡was¡¡soon¡¡bored¡¡and¡¡my¡¡mind¡¡would¡¡drift¡£
In¡¡1984£»I¡¡began¡¡teaching¡¡via¡¡games¡¡and¡¡simulations¡£¡¡I¡¡always¡¡encouraged¡¡adult¡¡students¡¡to¡¡look¡¡at¡¡games¡¡as¡¡reflecting¡¡back¡¡to¡¡what¡¡they¡¡know£»¡¡and¡¡what¡¡they¡¡needed¡¡to¡¡learn¡£¡¡Most¡¡importantly£»¡¡a¡¡game¡¡reflects¡¡back¡¡on¡¡one's¡¡behavior¡£¡¡It's¡¡an¡¡instant¡¡feedback¡¡system¡£¡¡¡¡Instead¡¡of¡¡the¡¡teacher¡¡lecturing¡¡you£»¡¡the¡¡game¡¡is¡¡feeding¡¡back¡¡a¡¡personalized¡¡lecture£»¡¡custom¡¡made¡¡just¡¡for¡¡you¡£
The¡¡friend¡¡of¡¡the¡¡woman¡¡who¡¡left¡¡later¡¡called¡¡to¡¡give¡¡me¡¡an¡¡update¡£¡¡She¡¡said¡¡her¡¡friend¡¡was¡¡fine¡¡and¡¡had¡¡calmed¡¡down¡£¡¡¡¡In¡¡her¡¡cooling¡­off¡¡period£»¡¡she¡¡could¡¡see¡¡some¡¡slight¡¡relationship¡¡between¡¡the¡¡game¡¡and¡¡her¡¡life¡£
Although¡¡she¡¡and¡¡her¡¡husband¡¡did¡¡not¡¡own¡¡a¡¡boat£»¡¡they¡¡did¡¡own
everything¡¡else¡¡imaginable¡£¡¡¡¡She¡¡was¡¡angry¡¡after¡¡their¡¡divorce£»¡¡both¡¡because¡¡he¡¡had¡¡run¡¡off¡¡with¡¡a¡¡younger¡¡woman¡¡and¡¡because¡¡after¡¡twenty¡¡years¡¡of¡¡marriage£»¡¡they¡¡had¡¡accumulated¡¡little¡¡in¡¡the¡¡way¡¡of¡¡assets¡£¡¡There¡¡was¡¡virtually¡¡nothing¡¡for¡¡them¡¡to¡¡split¡£¡¡Their¡¡twenty¡¡years¡¡of¡¡married¡¡life¡¡had¡¡been¡¡incredible¡¡fun£»¡¡but¡¡all¡¡they¡¡had¡¡accumulated¡¡was¡¡a¡¡ton¡¡of¡¡doodads¡£
She¡¡realized¡¡that¡¡her¡¡anger¡¡at¡¡doing¡¡the¡¡numbers¡­the¡¡ine¡¡statement¡¡and¡¡balance¡¡sheet¡­came¡¡from¡¡her¡¡embarrassment¡¡of¡¡not¡¡understanding¡¡them¡£¡¡She¡¡had¡¡believed¡¡that¡¡finances¡¡were¡¡the¡¡man's¡¡job¡£¡¡She¡¡maintained¡¡the¡¡house¡¡and¡¡did¡¡the¡¡entertaining£»¡¡and¡¡he¡¡handled¡¡the¡¡finances¡£¡¡She¡¡was¡¡now¡¡quite¡¡certain¡¡that¡¡in¡¡the¡¡last¡¡five¡¡years¡¡of¡¡their¡¡marriage£»¡¡he¡¡had¡¡hidden¡¡money¡¡from¡¡her¡£¡¡She¡¡was¡¡angry¡¡at¡¡herself¡¡for¡¡not¡¡being¡¡more¡¡aware¡¡of¡¡where¡¡the¡¡money¡¡was¡¡going£»¡¡as¡¡well¡¡as¡¡for¡¡not¡¡knowing¡¡about¡¡the¡¡other¡¡woman¡£
Just¡¡like¡¡a¡¡board¡¡game£»¡¡the¡¡world¡¡is¡¡always¡¡providing¡¡us¡¡with¡¡instant¡¡feedback¡£¡¡We¡¡could¡¡learn¡¡a¡¡lot¡¡if¡¡we¡¡tuned¡¡in¡¡more¡£¡¡One¡¡day¡¡not¡¡long¡¡ago£»¡¡I¡¡plained¡¡to¡¡my¡¡wife¡¡that¡¡the¡¡cleaners¡¡must¡¡have¡¡shrunk¡¡my¡¡pants¡£¡¡My¡¡wife¡¡gently¡¡smiled¡¡and¡¡poked¡¡me¡¡in¡¡the¡¡stomach¡¡to¡¡inform¡¡me¡¡that¡¡the¡¡pants¡¡had¡¡not¡¡shrunk£»¡¡something¡¡else¡¡had¡¡expanded¡¡me£¡
The¡¡game¡¡CASHFLOW¡¡was¡¡designed¡¡to¡¡give¡¡every¡¡player¡¡personal¡¡feedback¡£¡¡Its¡¡purpose¡¡is¡¡to¡¡give¡¡you¡¡options¡£¡¡If¡¡you¡¡draw¡¡the¡¡boat¡¡card¡¡and¡¡it¡¡puts¡¡you¡¡into¡¡debt£»¡¡the¡¡question¡¡is£»¡¡¡¨Now¡¡what¡¡can¡¡you¡¡do£¿¡¨¡¡How¡¡many¡¡different¡¡financial¡¡options¡¡can¡¡you¡¡e¡¡up¡¡with£¿¡¡That¡¡is¡¡the¡¡purpose¡¡of¡¡the¡¡game£º¡¡to¡¡teach¡¡players¡¡to¡¡think¡¡and¡¡create¡¡new¡¡and¡¡various¡¡financial¡¡options¡£
I¡¡have¡¡watched¡¡this¡¡game¡¡played¡¡by¡¡more¡¡than¡¡1£»000¡¡people¡£¡¡The¡¡people¡¡who¡¡get¡¡out¡¡of¡¡the¡¡¡¨Rat¡¡Race¡¨¡¡in¡¡the¡¡game¡¡the¡¡quickest¡¡are¡¡the¡¡people¡¡who¡¡understand¡¡numbers¡¡and¡¡have¡¡creative¡¡financial¡¡minds¡£¡¡They¡¡recognize¡¡different¡¡financial¡¡options¡£¡¡¡¡People¡¡who¡¡take¡¡the¡¡longest¡¡are¡¡people¡¡who¡¡are¡¡not¡¡familiar¡¡with¡¡numbers¡¡and¡¡often¡¡do¡¡not¡¡understand¡¡the¡¡power¡¡of¡¡investing¡£¡¡Rich¡¡people¡¡are¡¡often¡¡creative¡¡and¡¡take¡¡calculated¡¡risks¡£
There¡¡have¡¡been¡¡people¡¡playing¡¡CASHFLOW¡¡who¡¡gain¡¡lots¡¡of¡¡money¡¡in¡¡the¡¡game£»¡¡but¡¡they¡¡don't¡¡know¡¡what¡¡to¡¡do¡¡with¡¡it¡£¡¡Most¡¡of¡¡them¡¡have¡¡not¡¡been¡¡financially¡¡successful¡¡in¡¡real¡¡life¡¡either¡£¡¡Everyone¡¡else¡¡seems¡¡to¡¡be¡¡getting¡¡ahead¡¡of¡¡them£»¡¡even¡¡though¡¡they¡¡have¡¡money¡£¡¡And¡¡that¡¡is¡¡true¡¡in¡¡real¡¡life¡£¡¡There¡¡are¡¡a¡¡lot¡¡of¡¡people¡¡who¡¡have¡¡a¡¡lot¡¡of¡¡mo
СÌáʾ£º°´ »Ø³µ [Enter] ¼ü ·µ»ØÊéÄ¿£¬°´ ¡û ¼ü ·µ»ØÉÏÒ»Ò³£¬ °´ ¡ú ¼ü ½øÈëÏÂÒ»Ò³¡£ ÔÞһϠÌí¼ÓÊéÇ©¼ÓÈëÊé¼Ü