莫妮理財

A. 我這里有篇文章想大家大家一起來翻譯下,人多力量大啊

Studies like 逆水行舟, does not enter draws back, everybody isfamiliar-sounding can detailed As the name suggests, line to watersurface ships, where no matter navigates, when navigates, the generalmeeting meets the reversion the current of water, this time, certainlymust do utmost to the front pole, cannot slacken off, once does notmake an effort perhaps makes an effort excessively slightly, the shipnot only cannot go forward, instead can back up, finally inevitablecan is flushed the zero point The good boat so, we study also are so,in the study difficult there is no place in, does not have time doesnot have If we do not welcome difficultly on, can get rid by theoutside The victor, for wins step by step, defeated, then then doesnot draw back
Some story said that, peasant family juniors intelligent are sincechildhood excellent, five years old then can write meet the poem Thepeople for are greatly surprised, he has become the recognition childprodigy Every day invites the person which he sojourns to becontinuous, in order to demands its poetic composition, and presentsas a gift it to the red package to take the reward The corrupt smalladvantage, the non- foresight father then satisfies this, but end itsstudy From now on, the father will get the child prodigy to visit themanner to write poetry receives in exchange for the wealth Graally,the child prodigy has leaned its all, exhausts one's creative vein,latter degenerates into the mediocre average person
Will be obtains this story from the middle school language textbookWang Anshi's center, the Children is the story leading character,Fang Zhongyong Regarding this article, our somewhat someunderstandings Zhong's forever will encounter us also not to be ablelong ago to feel because of the age strangely Because of in modernpeople's study, the life, in the work, in you, on my body isperforming same, even if we very early on obtain a lesson from childprodigy there, studies like 逆水行舟, does not enter draws back
That was any lets us still ignore facing the known this kind ofcondition, ignores Actually the majority of reasons source to studiesto us, the life, the work arrogants and complacent, lazily idlesmanner 孰 did not know that, only has the unremitting endeavor whichperseveres to be able to cause boat of the against the current only toenter does not draw back But similarly stemmed from Song Dynastyliterary giant Wang Anshi's You Baoshan shan Jijiu fully to confirmthis point:
With friend You Cishan he, starts to have mind filled with theconfidence, because on the way the mountain road was actually rugged,climbs mountains and crosses rivers difficultly but slowly wears downhim to persist the will, made him give up halfway, the end has notbeen able to experience to the dangerous distant place grand marveloussight He leaves behind this travel notes, warns the posterity withown experience, any matter light depends on the full of enthusiasm andthe idle talk determination is cannot accomplish, true need line ofWan Lilu, rushes ten thousand passes practical actions, the study isneeds a step of footprint to be steadfast study, today the mattertomorrow will finish, today study tired tomorrow has wanted to giveup, this kind three days will hit the fishing two days to expose tothe sun the net road of the study, the result is lets you haveachieved nothing, unsuccessfully even will force you to return to donot have a thing in the world
Certainly, puts aside above these is negative, the reverse side, aboutthe instance which draws back, but also has more people and thematter, presses forward in the face of difficulties, the positiveadvance fact lets us be moved, is worth us studying the model
First speaks of great inventor Edison Speaking of him, nearly isnobody did not know 無人不曉 From the electric lamp bulb to thephonograph, these his wisdom crystallization, has had the profoundinfluence to the human society He progresses to the humanity makesthe so significant contribution to depend on merely is theseinventions? Indeed is not, the innumerable defeats innumerablerepetitions experiment also has again fights on despite repeatedsetbacks never the word abandoned firm faith These all are theessential item which he succeeds
Now returns the age which oneself lives, carefully has a look Thesimilar example quite are also many, the list from usually us fromsome magazine news understood to the matter said, we often can read:Someone the entertainment or the sports from all walks of life starcelebrity want 暫別 respective enterprise circle But also choosesreturns to the long separated already long campus, continues to pursueadvanced studies, to go abroad to study and so on the so fortharticle, actually, does not lack the enterprise the jorum which is inthe prosperous time Why doesn't need them which studies again to beable as if resolutely to lay down at present all, the re-entryclassroom, ascends the textbook again? This is because they supposedown limited knowledge could not have met the work needs, cannot followsocial the step, only has continuously enriches oneself can create atthe enterprise a mountain peak, but they had more importantly fullyrealized study like 逆水行舟 does not enter draws back Thiscompared to obtains any success all to have the value, is morecommendable
(有些譯不出，獻丑了！呼……）Studies like , does not enter draws back, everybody isfamiliar-sounding can detailed As the name suggests, line to watersurface ships, where no matter navigates, when navigates, the generalmeeting meets the reversion the current of water, this time, certainlymust do utmost to the front pole, cannot slacken off, once does notmake an effort perhaps makes an effort excessively slightly, the shipnot only cannot go forward, instead can back up, finally inevitablecan is flushed the zero point The good boat so, we study also are so,in the study difficult there is no place in, does not have time doesnot have If we do not welcome difficultly on, can get rid by theoutside The victor, for wins step by step, defeated, then then doesnot draw back
Some story said that, peasant family juniors intelligent are sincechildhood excellent, five years old then can write meet the poem Thepeople for are greatly surprised, he has become the recognition childprodigy Every day invites the person which he sojourns to becontinuous, in order to demands its poetic composition, and presentsas a gift it to the red package to take the reward The corrupt smalladvantage, the non- foresight father then satisfies this, but end itsstudy From now on, the father will get the child prodigy to visit themanner to write poetry receives in exchange for the wealth Graally,the child prodigy has leaned its all, exhausts one's creative vein,latter degenerates into the mediocre average person
Will be obtains this story from the middle school language textbookWang Anshi's center, the Children is the story leading character,Fang Zhongyong Regarding this article, our somewhat someunderstandings Zhong's forever will encounter us also not to be ablelong ago to feel because of the age strangely Because of in modernpeople's study, the life, in the work, in you, on my body isperforming same, even if we very early on obtain a lesson from childprodigy there, studies like, does not enter draws back
That was any lets us still ignore facing the known this kind ofcondition, ignores Actually the majority of reasons source to studiesto us, the life, the work arrogants and complacent, lazily idlesmanner did not know that, only has the unremitting endeavor whichperseveres to be able to cause boat of the against the current only toenter does not draw back But similarly stemmed from Song Dynastyliterary giant Wang Anshi's You Baoshan shan Jijiu fully to confirmthis point:
With friend You Cishan he, starts to have mind filled with theconfidence, because on the way the mountain road was actually rugged,climbs mountains and crosses rivers difficultly but slowly wears downhim to persist the will, made him give up halfway, the end has notbeen able to experience to the dangerous distant place grand marveloussight He leaves behind this travel notes, warns the posterity withown experience, any matter light depends on the full of enthusiasm andthe idle talk determination is cannot accomplish, true need line ofWan Lilu, rushes ten thousand passes practical actions, the study isneeds a step of footprint to be steadfast study, today the mattertomorrow will finish, today study tired tomorrow has wanted to giveup, this kind three days will hit the fishing two days to expose tothe sun the net road of the study, the result is lets you haveachieved nothing, unsuccessfully even will force you to return to donot have a thing in the world
Certainly, puts aside above these is negative, the reverse side, aboutthe instance which draws back, but also has more people and thematter, presses forward in the face of difficulties, the positiveadvance fact lets us be moved, is worth us studying the model
First speaks of great inventor Edison Speaking of him, nearly isnobody did not know From the electric lamp bulb to thephonograph, these his wisdom crystallization, has had the profoundinfluence to the human society He progresses to the humanity makesthe so significant contribution to depend on merely is theseinventions? Indeed is not, the innumerable defeats innumerablerepetitions experiment also has again fights on despite repeatedsetbacks never the word abandoned firm faith These all are theessential item which he succeeds
Now returns the age which oneself lives, carefully has a look Thesimilar example quite are also many, the list from usually us fromsome magazine news understood to the matter said, we often can read:Someone the entertainment or the sports from all walks of life starcelebrity want respective enterprise circle But also choosesreturns to the long separated already long campus, continues to pursueadvanced studies, to go abroad to study and so on the so fortharticle, actually, does not lack the enterprise the jorum which is inthe prosperous time Why doesn't need them which studies again to beable as if resolutely to lay down at present all, the re-entryclassroom, ascends the textbook again? This is because they supposedown limited knowledge could not have met the work needs, cannot followsocial the step, only has continuously enriches oneself can create atthe enterprise a mountain peak, but they had more importantly fullyrealized study like does not enter draws back Thiscompared to obtains any success all to have the value, is morecommendable
回答者：匿名 10-12 19:53
原文：
我聞天道無親，唯德是與。歷觀前代帝王，未有奢華而能長久者。汝當儲後，若不上稱天心，下合人意，何以承宗廟之重，居兆民之上？我昔日衣服，各留一物，時復看之，以自警戒。又擬分賜汝兄弟，恐汝以今日皇太子之心，忘昔時之事。故令高�賜汝我舊所帶刀子一枚，並菹醬一合。汝昔作上士時，所常食如此。若存憶前事，應知我心。（《隋書•文四子傳》，《北史》七十一）

譯文：
我聽說上天不保佑親近的人，只恩賜有德行的人。縱觀歷代帝王，沒有追求奢侈豪華而能長久享有天下的。你作為接班人，如果不上順天意，下合民心，怎麼擔當祖宗重託，作為百姓的君王？我從前的衣服，每種各保存一件，你要常常觀看，用來自我告誡。有打算分別賞賜你的兄弟們，又擔心你現在作為皇太子的心，忘記了從前的事情。所以讓高 賜給你我從前所佩戴的刀子一把，以及一盒菹醬（一種食物）。你當年擔任上士，經常吃的就是它。如果你還記得從前的事情，就應該明白了我的心。
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游褒禪山記 原文
褒禪山亦謂之華山，唐浮圖慧褒始舍於其址，而卒葬之；以故其後名之曰「褒禪」。今所謂慧空禪院者，褒之廬冢也。距其院東五里，所謂華陽洞者，以其乃華山之陽名之也。距洞百餘步，有碑仆道，其文漫滅，獨其為文猶可識曰「花山」。今言「華」如「華實」之「華」者，蓋音謬也。
其下平曠，有泉側出，而記游者甚眾，——所謂前洞也。由山以上五六里，有穴窈然，入之甚寒，問其深，則其雖好游者不能窮也，——謂之後洞。余與四人擁火以入，入之愈深，其進愈難，而其見愈奇。有怠而欲出者，曰：「不出，火且盡」；遂與之俱出。蓋余所至，比好游者尚不能十一，然視其左右，來而記之者已少。蓋其又深，則其至又加少矣。方是時，予之力尚足以入，火尚足以明也。既其出，則或咎其欲出者，而余亦悔其隨之，而不得極夫游之樂也。
於是余有嘆焉：古人之觀於天地、山川、草木、蟲魚、鳥獸，往往有得，以其求思之深，而無不在也。夫夷以近，則游者眾；險以遠，則至者少。而世之奇偉、瑰怪、非常之觀，常在於險遠，而人之所罕至焉，故非有志者不能至也。有志矣，不隨以止也，然力不足者亦不能至也。有志與力，而又不隨以怠，至於幽暗昏惑而無物以相之，亦不能至也。然力足以至焉而不至，於人為可譏，而在己為有悔；盡吾志也，而不能至者，可以無悔矣，其孰能譏之乎？此余之所得也！
余於仆碑，又以悲夫古書之不存，後世之謬其傳而莫能名者，何可勝道也哉！此所以學者不可以不深思而慎取之也。
四人者：廬陵蕭君圭君玉，長樂王回深父，余弟安國平父、安上純父。至和元年七月某日，臨川王某記。

游褒禪山記 譯文
褒禪山也稱為華山。唐代和尚慧褒當初在這里築室居住，死後又葬在那裡；因為這個緣故，後人就稱此山為褒禪山。現在人們所說的慧空禪院，就是慧褒和尚的墓舍。距離那禪院東邊五里，是人們所說的華山洞，因為它在華山南面而這樣命名。距離山洞一百多步，有一座石碑倒在路旁，上面的文字已被剝蝕、損壞近乎磨滅，只有從勉強能認得出的地方還可以辨識出「花山」的字樣。現在將「華」讀為「華實」的「華」，大概是（因字同而產生的）讀音上的錯誤。
由此向下的那個山洞平坦而空闊，有一股山泉從旁邊湧出，在這里游覽、題記的人很多，（這就）叫做「前洞」。經由山路向上五六里，有個洞穴，一派幽深的樣子，進去便（感到）寒氣逼人，打問它的深度，就是那些喜歡游險的人也未能走到盡頭——這是人們所說的「後洞」。我與四個人打著火把走進去，進去越深，前進越困難，而所見到的景象越奇妙。有個懈怠而想退出的夥伴說：「再不出去，火把就要熄滅了。」於是，只好都跟他退出來。我們走進去的深度，比起那些喜歡游險的人來，大概還不足十分之一，然而看看左右的石壁，來此而題記的人已經很少了。洞內更深的地方，大概來到的遊人就更少了。當（決定從洞內退出）時，我的體力還足夠前進，火把還能夠繼續照明。我們出洞以後，就有人埋怨那主張退出的人，我也後悔跟他出來，而未能極盡游洞的樂趣。
於是我有所感慨。古人觀察天地、山川、草木、蟲魚、鳥獸，往往有所得益，是因為他們探究、思考深邃而且廣泛。平坦而又近的地方，前來游覽的人便多；危險而又遠的地方，前來游覽的人便少。但是世上奇妙雄偉、珍異奇特、非同尋常的景觀，常常在那險阻、僻遠，少有人至的地方，所以，不是有意志的人是不能到達的。（雖然）有了志氣，也不盲從別人而停止，但是體力不足的，也不能到達。有了志氣與體力，也不盲從別人、有所懈怠，但到了那幽深昏暗、令人迷亂的地方卻沒有必要的物件來支持，也不能到達。可是，力量足以達到目的（而未能達到），在別人（看來）是可以譏笑的，在自己來說也是有所悔恨的；盡了自己的主觀努力而未能達到，便可以無所悔恨，這難道誰還能譏笑嗎？這就是我這次游山的收獲。

我對於那座倒地的石碑，又感嘆古代刻寫的文獻未能存留，後世訛傳而無人弄清其真相的事，哪能說得完呢？這就是學者不可不深入思考而謹慎地援用資料的緣故。

同游的四個人是：廬陵人蕭君圭，字君玉；長樂人王回，字深父；我的弟弟安國，字平父；安上，字純父。至和元年七月，臨川人王安石記。

B. 如何和孩子溝通

學會傾聽。
這是溝通的第一步。假如孩子正為某事在氣頭上要允許他發脾氣、父母不妨先坐好，安靜地等待孩子，安靜地看著孩子，不去打斷他的話，全神貫注地傾聽，不左顧右盼，停下手邊的工作，這等於告訴孩子：你是被我們在意的。

C. 錢咖是不是騙人的啊

我玩過，錢咖有一定風險，因為要安插描述性文件，而且是企業級未受信任的描述性文件。

提現沒問題，然後就去試用了類似的應用，然後中招了，竟然有人去聯通運營廳查我的通話記錄，馬上打電話到10010改密碼。

如果不收徒累死累活就賺個百來塊錢，兩三天後就都沒有任務了。

因為刷來刷去都是網路、去哪兒、美團等那幾個應用。如果你真的要玩可以玩不需要安裝未受信任的企業級描述文件，不然自己盜號不說，騙子以你名義去詐騙就慘死。另外不要為了幾塊錢去注冊理財類軟體，現在P2P一家接一家倒閉，大部分都是騙子公司，自己的身份證、銀行卡信息交給他們你放心嗎？

D. 代銷理財與自營理財有何區別

相信大家對「銀行理財」這個詞並不陌生，隨著經濟的發展，越來越多的人都開始有投資理財觀念。由於很多投資者既不懂投資又厭惡風險，因此更喜歡購買銀行理財。因為在很多老百姓的眼裡，銀行是由國家背書的金字招牌，所以銀行銷售的理財產品肯定也是安全的。那麼銀行理財真的沒風險嗎？其實銀行理財產品並沒有大家想像的那麼安全。

首先，銀行理財不等同於銀行存款，因此還是有投資虧損的風險。即使是銀行存款，現在也不是零風險。根據《存款保險條例》約定，一旦銀行出現危機，保險機構對存款人的最高賠付額是50萬。簡單來說，如果你在銀行存款低於50萬，那麼銀行倒閉可以全賠；如果你的存款高於50萬，那麼銀行倒閉的話，你有可能只能拿回來50萬；

其次，銀行的理財產品分為自營和代銷兩種方式，兩者區別很大。先來說說自營，顧名思義就是銀行自己經營的理財產品。一般來說，銀行理財產品是一個資金募集池，然後銀行會根據自己的業務將資金投向股票、債券、信託等等。比如前些年市場上風風火火的股票結構化產品，很多優先資金都能看到銀行的身影。另外銀行還會用理財資金購買公募債和ABS的優先順序，整體收益大概在5-7%之間。由於是銀行的自營業務，這類理財產品銀行大多都會兜底，因此自營類理財產品相對風險小一點，但是收益也低。

另一種就是代銷產品，銀行作為持牌金融機構，基本都有代銷基金的資質。由於銀行的客群龐大，因此銀行幫其它機構代銷產品的話，都能拿到很好的分成。對於某些分行來說，代銷產品的利潤要遠高於自營理財產品，銀行有時候為了利潤，合規風控都得靠邊站。

道理很簡單，代銷合同一般都有專業的律師團隊審過，風險都轉嫁給了客戶。只要客戶簽字購買了，將來遇到問題銀行兩手一攤，常規途徑投資者還真沒啥太好的辦法。對於銀行來說風險可控，所以總行有時候對於這種業務也是睜一隻眼閉一隻眼。所以投資者在購買銀行代銷產品的時候就要擦亮眼睛了。

最後再來說說理財產品的收益率，這也是投資者最關心的問題。先說結論：普通的銀行理財產品收益率肯定跑不贏通脹，即使私行的產品也不會超過年化8%。原因只有四個字，降低預期。首先每家銀行都有攬儲指標，如果理財產品收益過高會影響儲蓄率；其次銀行的客群一般比較穩定，這時候就不需要靠高收益吸引投資者，而是通過平穩收益來穩定客戶。牛哥之前跟很多家私行部打過交道，銀行的分配方式基本上把高收益這條路給堵死了。比如當時牛哥公司讓銀行代銷的某私募基金A。分配方式如下：(假設實際年化收益率=X)

• 當X≦5%時，銀行不提取超額業績提成；

• 當5%

• 當7%

• 當10%

單看分配方式是不是有點暈？牛哥直接上數字：

• 當產品收益是10%的話，投資者能拿到7.6%；

• 當產品收益達到15%時，投資者收益是7.8%；

• 當產品收益達到20%時，投資者收益是8.6%；

• 即使產品收益翻倍的話，投資者收益也只有16.6%。

一般銀行投資的量化私募產品，都是以穩健為主，年化收益水平大概在8%-15%之間，換言之，投資者的收益基本就維持5-8%之間，基本上比普通的理財產品高出2%-3%左右。所以說想要跟銀行計算精明的話，投資者明顯不是對手。

雖然說銀行理財產品有很多坑，但是對於C2以下的投資者來說，銀行理財仍然是除貨幣基金以外的主要投資理財工具。那麼我們在購買銀行理財產品時，需要注意哪些細節呢？

1、首先關注銀行理財是自營還是代銷。自營相對好點，如果是代銷的話，需要看資產管理人是誰。一般來說，選擇比較知名老牌的大機構，相對遇坑的概率會小一些；

2、需要了解銀行理財的底層資產投向哪裡？這一點比產品的風險等級更重要，因為產品的風險測評一般是由銀行內部評定，可參考性不高。但是了解了底層資產實際投向哪裡，可以更加清楚地了解風險點，然後再根據自身風險承受能力，選擇是否繼續購買。

3、關注產品的封閉期限和清算周期，選擇適合自己的產品。一般來說封閉期越長收益越高，具體對標產品可以參考保險理財產品的收益做判斷。關於清算周期，

4、注意產品的費率情況和收益分配。一般來說費用主要包括管理費、託管費，有些還有銷售服務費，除此之外如果有其它費用的話需要問清楚。不然實際到手的收益會縮水很多。

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E. 年輕人只有7000元要怎麼理財比較好

要根據自己的資產的一個情況還有就是理財產品的熟知度從這兩方面來入手，選出專來的理財產品才是最好的屬，獲得投資理財利益也是最大的。銀行定期存款是最原始和最大眾的理財方式，即便各種理財產品層出不窮，收益率一家更比一家高，銀行存款的吸儲霸主地位仍然難以撼動，誰讓人家歷史久、名聲優、風險低又廣受信賴呢。銀行定期存款有多種方式，最常見的為整存整取定期儲蓄，分為三個月、半年、一年、三年及五年期限不等，對於年輕的小白一族，積蓄不多但用錢不少，建議定存一年以內。

F. 理財類的產品選擇哪種的好些

眾所周知，不同的理財產品，它的產品特色、回報率、產品內容等都不一樣，要說哪些好，還真說不出來。理財產品類型多種多樣，有銀行理財產品，有股票基金理財產品，有保險理財產品，還有其他類型的理財產品。要說哪種好，主要還是看購買者自己的需求，適合的才是好的。
市場上的理財產品眾多，其中保險理財產品是很多人的意向選擇。從理財保險的種類來看，理財保險可以分為分紅保險、萬能險和投連險。與很多理財產品相比，保險理財具有安全性高與投資收益可觀並存的特點，因此小編認為保險理財產品是一類很不錯的理財產品，適合大部分人選。
但是不管是買哪種理財，針對不同的人群，都有不同的產品，所以我們在選擇理財保險的時候，一定要理智、謹慎~

G. 時差七小時李倩妮現狀

沒有近期消息。

李倩妮，昵稱妞妞。

2002年，妞妞根據自己在英國的中學留學經歷創作了《長翅膀的綿羊》。2002年，陸續完成日記體紀實小說《觸電倫敦》。2003年，妞妞將《長翅膀的綿羊》一書改編成電影劇本《時差七小時》，自己擔任編劇並出演該片的女主角。

2004年妞妞編寫並出版《妞妞巧用英語100句》。

李倩的外祖父本是南下幹部，後在桃江成家，在桃江稀土金屬冶金廠擔任副廠長，因此李倩出生時其父李祝健和母親張萍都是該廠的工人。

1995年留學英國，獲得英國費爾斯特學校工商管理學士，先後在美國丹佛大學、哥倫比亞大學、美國紐約大學電影學院學習，並曾在美國嘉信理財任客戶主任，美國映佳國際傳播媒體公司任助理金融分析師。

1997年9月-2001年6月，就讀於美國丹佛大學(University of Denver)。

H. 寶付針對新年騙局都做了哪些措施

上海寶付爆料2019年三大投資騙局，看完之後真是毛骨悚然啊，騙局真是無縫不鑽啊！離新年的日子還剩下不到半個月的時間了，騙子也要過年了，開始努力的拼業績了。

1、超高收益率的P2P小平台很危險

去年P2P行業爆雷一大片，多少被雷的投資者還在苦苦等待結果。大部分踩雷平台幾乎都是通過超高年化收益率來哄騙投資人，其實哪有那麼好的事。P2P騙局太多了，莫妮也就不一一說了。大家千萬不要再被高收益這個幌子蒙騙，一定不要選擇那些小平台。選擇P2P要從多方面再三了解，可以在莫妮的公眾號回復「評級」了解平台榜單

2、專坑老年人的街邊理財

街邊或者大型超市門口有一些西裝革履的小夥子或者姑娘，專門找老年人推銷理財產品。他們嘴巴像抹了蜜，通過送一些小禮物，把老年人到公司美其名曰詳細了解產品。到了公司，你會發現裝潢華麗，於是就以為公司實力強大，信了他。但這用來騙人的華麗外表，騙到錢了以後他們就跑路，人去樓空。

3、網路交易詐騙

網路交易騙局中最為多見的是「二元期權」，它對未來某段時間內外匯、股票等品種的價格走勢進行猜測，本質類似賭博。投資人投資的錢根本沒有參與到真正的外匯大盤交易，而「盈利」其實是來自不斷加入的「下線」或代理的資金，也就是「龐氏騙局」。二元期權網站大多注冊在境外，一旦上當受騙，損失很難追回。

上海寶付爆料2019年三大投資騙局你被騙過嗎？上海寶付提醒大家對於普通投資者而言，一是需要時刻保持警惕，不能盲目信任平台、專家背書。二是多多利用諸如天眼查之類的第三方平台進行信息的交叉驗證，查詢相關的企業信息和潛在的經營風險提示，很多時候你碰到的「坑」很可能已經被披露出來了。三是時刻謹記不要被人性的貪婪所控制，盲目追求高收益而選擇了自己並不了解的投資品。
智能風控系統，你的每一次操作都被打分了。風險太大直接拒絕交易。傳輸是雙向高強加密。