The human species , according to the best theory I can form of it, is composed of two distinct races , the men who borrow and the men who lend.
我能得出的最佳理论是：人类由截然不同的两种人组成，借钱的人和借给别人钱的人。

——Charles Lamb, Essay of Elia
——查尔斯·兰姆