[Script Info]
Title: 
[Events]
Format: Layer, Start, End, Style, Name, MarginL, MarginR, MarginV, Effect, Text
Dialogue: 0,0:00:00.90,0:00:03.78,Default,,0000,0000,0000,,今時今日，有四千萬個美國人
Dialogue: 0,0:00:03.78,0:00:07.26,Default,,0000,0000,0000,,孭住一筆讀書債投身社會
Dialogue: 0,0:00:07.76,0:00:10.19,Default,,0000,0000,0000,,佢哋屋企窮，要借錢讀大學
Dialogue: 0,0:00:10.19,0:00:14.51,Default,,0000,0000,0000,,而家夾埋嘅債務有成一兆美金咁多
Dialogue: 0,0:00:15.60,0:00:17.100,Default,,0000,0000,0000,,呢班畢業生乜嘢工都要試
Dialogue: 0,0:00:17.100,0:00:20.46,Default,,0000,0000,0000,,為求還得清自己筆債
Dialogue: 0,0:00:21.20,0:00:23.01,Default,,0000,0000,0000,,喺美國
Dialogue: 0,0:00:23.01,0:00:28.80,Default,,0000,0000,0000,,連一個破咗產嘅爛賭二都翻身有望
Dialogue: 0,0:00:30.22,0:00:32.52,Default,,0000,0000,0000,,但完全唔使指意
Dialogue: 0,0:00:32.52,0:00:36.71,Default,,0000,0000,0000,,一個畢業生可以還清筆債
Dialogue: 0,0:00:40.46,0:00:42.70,Default,,0000,0000,0000,,以前响美國
Dialogue: 0,0:00:42.70,0:00:46.40,Default,,0000,0000,0000,,讀大學唔等於要負債纍纍咁畢業
Dialogue: 0,0:00:46.100,0:00:48.20,Default,,0000,0000,0000,,我朋友阿 Paul
Dialogue: 0,0:00:48.20,0:00:51.72,Default,,0000,0000,0000,,佢爸爸喺科羅拉多州立大學畢業
Dialogue: 0,0:00:51.72,0:00:54.30,Default,,0000,0000,0000,,當年有退伍軍人法保障
Dialogue: 0,0:00:55.55,0:00:57.08,Default,,0000,0000,0000,,嗰個年代
Dialogue: 0,0:00:57.08,0:00:59.59,Default,,0000,0000,0000,,大學學費全免，又或者近乎零
Dialogue: 0,0:00:59.59,0:01:02.56,Default,,0000,0000,0000,,因為政府覺得大專學歷對社會有益
Dialogue: 0,0:01:03.50,0:01:05.32,Default,,0000,0000,0000,,但好景不常
Dialogue: 0,0:01:06.17,0:01:10.11,Default,,0000,0000,0000,,輪到阿 Paul 喺同一間大學畢業嗰陣
Dialogue: 0,0:01:10.11,0:01:13.91,Default,,0000,0000,0000,,英文系畢業嘅佢，要做住兼職嚟還債
Dialogue: 0,0:01:13.91,0:01:15.32,Default,,0000,0000,0000,,卅年前
Dialogue: 0,0:01:15.32,0:01:18.03,Default,,0000,0000,0000,,多數人都畀得起大學學費
Dialogue: 0,0:01:18.03,0:01:21.43,Default,,0000,0000,0000,,你爭落嘅錢，畢業之前就可以還晒
Dialogue: 0,0:01:21.67,0:01:23.10,Default,,0000,0000,0000,,但好景不常
Dialogue: 0,0:01:23.83,0:01:27.22,Default,,0000,0000,0000,,輪到阿 Paul 個囡同樣步佢後塵
Dialogue: 0,0:01:27.23,0:01:28.53,Default,,0000,0000,0000,,唯一唔同嘅係
Dialogue: 0,0:01:28.53,0:01:31.04,Default,,0000,0000,0000,,五年前佢畢業嗰陣
Dialogue: 0,0:01:31.05,0:01:32.56,Default,,0000,0000,0000,,孭住成身債
Dialogue: 0,0:01:33.18,0:01:36.55,Default,,0000,0000,0000,,阿 Kate 同埋其他大學生都要借錢
Dialogue: 0,0:01:36.55,0:01:39.47,Default,,0000,0000,0000,,因為大學學費經已貴到
Dialogue: 0,0:01:39.47,0:01:43.39,Default,,0000,0000,0000,,好多美國家庭都負擔唔起
Dialogue: 0,0:01:44.43,0:01:45.92,Default,,0000,0000,0000,,咁又點啫？
Dialogue: 0,0:01:45.92,0:01:48.72,Default,,0000,0000,0000,,借筆錢嚟投資一個貴價學位
Dialogue: 0,0:01:48.72,0:01:51.44,Default,,0000,0000,0000,,只要第日還到錢，就唔成問題啦
Dialogue: 0,0:01:51.44,0:01:54.86,Default,,0000,0000,0000,,有大學學歷，起碼有得賺多啲嘛
Dialogue: 0,0:01:55.29,0:01:58.01,Default,,0000,0000,0000,,但問題嘅癥結就响呢度
Dialogue: 0,0:01:59.29,0:02:03.16,Default,,0000,0000,0000,,連一個 2001 年畢業嘅人所賺嘅錢
Dialogue: 0,0:02:03.16,0:02:05.26,Default,,0000,0000,0000,,比起 2013 年畢業嘅 Kate
Dialogue: 0,0:02:05.27,0:02:07.41,Default,,0000,0000,0000,,仲要多出 10%
Dialogue: 0,0:02:07.98,0:02:09.13,Default,,0000,0000,0000,,所以…
Dialogue: 0,0:02:09.78,0:02:11.43,Default,,0000,0000,0000,,學費飆升
Dialogue: 0,0:02:11.43,0:02:12.98,Default,,0000,0000,0000,,津貼少咗
Dialogue: 0,0:02:12.98,0:02:15.26,Default,,0000,0000,0000,,家庭收入又縮咗水
Dialogue: 0,0:02:15.26,0:02:17.88,Default,,0000,0000,0000,,個人收入微薄
Dialogue: 0,0:02:18.24,0:02:21.40,Default,,0000,0000,0000,,唔怪得有多過四分一嘅畢業生
Dialogue: 0,0:02:21.40,0:02:24.86,Default,,0000,0000,0000,,連要還債都還唔到
Dialogue: 0,0:02:26.07,0:02:29.81,Default,,0000,0000,0000,,不過，最壞嘅時刻亦係最好嘅時刻
Dialogue: 0,0:02:29.81,0:02:33.84,Default,,0000,0000,0000,,因為啲事實就攞喺响你面前，唔理唔得
Dialogue: 0,0:02:34.26,0:02:36.80,Default,,0000,0000,0000,,今日我想講其中三個事實
Dialogue: 0,0:02:37.57,0:02:41.50,Default,,0000,0000,0000,,1.2 兆美金嘅學債
Dialogue: 0,0:02:41.50,0:02:43.93,Default,,0000,0000,0000,,明顯反映咗
Dialogue: 0,0:02:43.96,0:02:47.70,Default,,0000,0000,0000,,大學教育經已淪為一種消費品
Dialogue: 0,0:02:48.28,0:02:53.10,Default,,0000,0000,0000,,我哋講起教育就好似班資本家咁
Dialogue: 0,0:02:53.10,0:02:57.65,Default,,0000,0000,0000,,將教育當係投資，愛嚟增強人力資本
Dialogue: 0,0:02:57.65,0:02:59.82,Default,,0000,0000,0000,,訓練啲人出嚟做嘢
Dialogue: 0,0:02:59.82,0:03:04.54,Default,,0000,0000,0000,,愛嚟將啲學生按等級分類
Dialogue: 0,0:03:04.54,0:03:07.71,Default,,0000,0000,0000,,等啲僱主請人嗰陣容易啲
Dialogue: 0,0:03:08.40,0:03:11.79,Default,,0000,0000,0000,,《美國新聞與世界報導》\N公布大學排名嘅方式
Dialogue: 0,0:03:11.82,0:03:15.07,Default,,0000,0000,0000,,十足啲消費報告評估啲洗衣機咁款
Dialogue: 0,0:03:15.10,0:03:18.86,Default,,0000,0000,0000,,份報告用詞粗暴到極
Dialogue: 0,0:03:18.88,0:03:22.05,Default,,0000,0000,0000,,叫啲老師做「服務提供者」
Dialogue: 0,0:03:22.05,0:03:24.36,Default,,0000,0000,0000,,叫啲學生做「消費者」
Dialogue: 0,0:03:25.46,0:03:29.37,Default,,0000,0000,0000,,社會學呀，莎士比亞呀\N足球同埋科學呀
Dialogue: 0,0:03:29.37,0:03:32.15,Default,,0000,0000,0000,,呢啲冚唪唥叫做「服務內容」
Dialogue: 0,0:03:32.80,0:03:34.73,Default,,0000,0000,0000,,學業借貸好好賺
Dialogue: 0,0:03:34.73,0:03:36.92,Default,,0000,0000,0000,,不過賺嗰個唔會係你
Dialogue: 0,0:03:37.74,0:03:42.10,Default,,0000,0000,0000,,你嘅債務甚至養肥咗\N成個學生借貸行業
Dialogue: 0,0:03:42.10,0:03:44.51,Default,,0000,0000,0000,,呢個行頭其中兩條巨龍
Dialogue: 0,0:03:44.51,0:03:46.56,Default,,0000,0000,0000,,Sallie Mae 同埋 Navient
Dialogue: 0,0:03:46.56,0:03:51.79,Default,,0000,0000,0000,,公布上年總盈利一共有 12 億美金
Dialogue: 0,0:03:52.57,0:03:55.16,Default,,0000,0000,0000,,學生貸款正正同樓宇按揭一樣
Dialogue: 0,0:03:55.16,0:03:58.33,Default,,0000,0000,0000,,可以係捆綁式、套餐式同拆件式
Dialogue: 0,0:03:58.33,0:04:00.03,Default,,0000,0000,0000,,响華爾街出售
Dialogue: 0,0:04:00.03,0:04:01.90,Default,,0000,0000,0000,,啲大專院校
Dialogue: 0,0:04:01.90,0:04:05.61,Default,,0000,0000,0000,,投資呢啲證券貸款嘅時候
Dialogue: 0,0:04:06.17,0:04:07.60,Default,,0000,0000,0000,,頭尾賺兩轉
Dialogue: 0,0:04:07.60,0:04:09.26,Default,,0000,0000,0000,,首先賺你筆學費
Dialogue: 0,0:04:09.26,0:04:11.56,Default,,0000,0000,0000,,跟住賺你啲息口
Dialogue: 0,0:04:12.53,0:04:14.96,Default,,0000,0000,0000,,睇見盤生意咁好賺
Dialogue: 0,0:04:14.96,0:04:19.77,Default,,0000,0000,0000,,大家仲會奇怪嗰啲高等教育辦學團體
Dialogue: 0,0:04:19.77,0:04:23.06,Default,,0000,0000,0000,,點解會用啲失實嘅宣傳手段
Dialogue: 0,0:04:23.06,0:04:24.70,Default,,0000,0000,0000,,嚟推銷利誘
Dialogue: 0,0:04:26.34,0:04:30.99,Default,,0000,0000,0000,,藉教育嚟剝削緊乜都唔知嘅學生嗎？
Dialogue: 0,0:04:32.14,0:04:33.29,Default,,0000,0000,0000,,第三：
Dialogue: 0,0:04:33.31,0:04:35.35,Default,,0000,0000,0000,,學位經已淪為品牌
Dialogue: 0,0:04:35.53,0:04:38.09,Default,,0000,0000,0000,,當年我有個老師寫話：
Dialogue: 0,0:04:38.12,0:04:40.64,Default,,0000,0000,0000,,「當學生變成一班消費者，
Dialogue: 0,0:04:40.64,0:04:44.27,Default,,0000,0000,0000,,佢哋就會喺度盲追學位，鬥生鬥死。」
Dialogue: 0,0:04:47.79,0:04:51.99,Default,,0000,0000,0000,,正如蘋果不斷向人推銷新款 iPhone
Dialogue: 0,0:04:51.99,0:04:55.42,Default,,0000,0000,0000,,做教育嘅亦可以不斷向人推銷學位
Dialogue: 0,0:04:56.39,0:04:58.71,Default,,0000,0000,0000,,昨日嘅中學，變成今日嘅大學
Dialogue: 0,0:04:58.71,0:05:00.25,Default,,0000,0000,0000,,一早有人咁講過
Dialogue: 0,0:05:01.17,0:05:02.81,Default,,0000,0000,0000,,但點解要停喺呢一步？
Dialogue: 0,0:05:02.81,0:05:06.41,Default,,0000,0000,0000,,大學可以不斷招攬人讀文憑，讀完再讀
Dialogue: 0,0:05:06.41,0:05:08.69,Default,,0000,0000,0000,,再讀碩士學位、博士學位
Dialogue: 0,0:05:11.44,0:05:15.15,Default,,0000,0000,0000,,佢哋仲推銷專上教育係地位嘅象徵
Dialogue: 0,0:05:16.63,0:05:17.77,Default,,0000,0000,0000,,買學位
Dialogue: 0,0:05:17.77,0:05:20.77,Default,,0000,0000,0000,,同你買架凌志、買個 LV 一樣
Dialogue: 0,0:05:20.77,0:05:22.67,Default,,0000,0000,0000,,係買嚟抬高身價
Dialogue: 0,0:05:22.67,0:05:25.47,Default,,0000,0000,0000,,靠佢，你可以招人妒忌
Dialogue: 0,0:05:26.67,0:05:28.93,Default,,0000,0000,0000,,學位已經淪為品牌
Dialogue: 0,0:05:28.93,0:05:35.63,Default,,0000,0000,0000,,但係呢啲真相成日畀一片叫賣聲掩埋
Dialogue: 0,0:05:36.36,0:05:39.47,Default,,0000,0000,0000,,日日硬係有班政客
Dialogue: 0,0:05:39.47,0:05:43.23,Default,,0000,0000,0000,,喺個公仔箱度同我哋講：
Dialogue: 0,0:05:43.23,0:05:45.06,Default,,0000,0000,0000,,「大學學位好重要，
Dialogue: 0,0:05:45.06,0:05:48.41,Default,,0000,0000,0000,,有佢先可以扶搖直上、做到中產。」
Dialogue: 0,0:05:48.89,0:05:52.55,Default,,0000,0000,0000,,通常理據就係專上學歷競爭力高：
Dialogue: 0,0:05:52.55,0:05:57.84,Default,,0000,0000,0000,,大專畢業比起高中畢業平均賺多 56%
Dialogue: 0,0:05:58.42,0:06:00.47,Default,,0000,0000,0000,,我哋再細心啲解讀個數字
Dialogue: 0,0:06:00.50,0:06:01.82,Default,,0000,0000,0000,,因為驟眼睇
Dialogue: 0,0:06:01.85,0:06:05.19,Default,,0000,0000,0000,,個數字好似喺度推翻緊嗰啲
Dialogue: 0,0:06:05.22,0:06:09.60,Default,,0000,0000,0000,,「大學畢業做收銀沖咖啡」\N之類嘅新聞咁
Dialogue: 0,0:06:10.54,0:06:15.70,Default,,0000,0000,0000,,响 100 個有專上學歷嘅人裏面
Dialogue: 0,0:06:15.72,0:06:18.77,Default,,0000,0000,0000,,45 個冇順利畢業
Dialogue: 0,0:06:18.79,0:06:21.86,Default,,0000,0000,0000,,原因好多，財政困難係其一
Dialogue: 0,0:06:22.24,0:06:24.19,Default,,0000,0000,0000,,嗰 55 個順利畢業嘅人
Dialogue: 0,0:06:24.21,0:06:26.25,Default,,0000,0000,0000,,有兩個冇嘢做
Dialogue: 0,0:06:26.25,0:06:29.01,Default,,0000,0000,0000,,有 18 個搵唔到長工
Dialogue: 0,0:06:30.06,0:06:33.59,Default,,0000,0000,0000,,雖然大學畢業生搵得多過中學畢業生
Dialogue: 0,0:06:33.59,0:06:36.62,Default,,0000,0000,0000,,但究竟佢哋夠唔夠填嗰筆巨債
Dialogue: 0,0:06:36.62,0:06:39.44,Default,,0000,0000,0000,,同埋你讀書嗰陣冇咗嘅搵錢機會呢？
Dialogue: 0,0:06:39.66,0:06:42.26,Default,,0000,0000,0000,,依家連經濟學家都承認
Dialogue: 0,0:06:42.28,0:06:47.51,Default,,0000,0000,0000,,只有順利畢到業嘅大學生先還得哂\N
Dialogue: 0,0:06:48.10,0:06:52.13,Default,,0000,0000,0000,,而純粹係因為中學畢業生嘅薪水\N
Dialogue: 0,0:06:52.15,0:06:53.80,Default,,0000,0000,0000,,幾廿年嚟大幅縮水
Dialogue: 0,0:06:55.37,0:06:57.26,Default,,0000,0000,0000,,咁多年嚟
Dialogue: 0,0:06:57.28,0:06:59.64,Default,,0000,0000,0000,,有高中學歷嘅人
Dialogue: 0,0:06:59.66,0:07:03.77,Default,,0000,0000,0000,,付出同收入唔成正比
Dialogue: 0,0:07:04.48,0:07:07.38,Default,,0000,0000,0000,,若果佢哋可以賺返佢哋應得嘅水平
Dialogue: 0,0:07:07.41,0:07:11.36,Default,,0000,0000,0000,,咁讀大學對好多人嚟講肯定係蝕大本
Dialogue: 0,0:07:11.39,0:07:13.51,Default,,0000,0000,0000,,大學畢業生薪水嘅溢價
Dialogue: 0,0:07:13.94,0:07:15.84,Default,,0000,0000,0000,,我睇都係靠高中畢業生倒貼而嚟
Dialogue: 0,0:07:16.24,0:07:21.18,Default,,0000,0000,0000,,有三份二嘅大學畢業生發現\N工作未如理想
Dialogue: 0,0:07:21.76,0:07:24.69,Default,,0000,0000,0000,,佢哋唔睇好前景
Dialogue: 0,0:07:24.69,0:07:26.64,Default,,0000,0000,0000,,或者直情覺得前途暗淡
Dialogue: 0,0:07:26.64,0:07:29.58,Default,,0000,0000,0000,,而正正係佢哋要去承受
Dialogue: 0,0:07:30.54,0:07:33.22,Default,,0000,0000,0000,,學債帶嚟嘅沉重負擔
Dialogue: 0,0:07:33.88,0:07:36.52,Default,,0000,0000,0000,,最心悒嘅係，正正係佢哋
Dialogue: 0,0:07:36.58,0:07:40.70,Default,,0000,0000,0000,,畀人最落力用學位升值呢個理由氹落搭
Dialogue: 0,0:07:41.69,0:07:44.41,Default,,0000,0000,0000,,咁嘅銷售伎倆，自私自利不特止
Dialogue: 0,0:07:44.41,0:07:46.17,Default,,0000,0000,0000,,仲係麻木不仁
Dialogue: 0,0:07:46.99,0:07:48.43,Default,,0000,0000,0000,,咁我哋做啲乜嘢好？
Dialogue: 0,0:07:49.28,0:07:55.22,Default,,0000,0000,0000,,如果學生同家長都當學位係商品呢？
Dialogue: 0,0:07:55.88,0:07:58.08,Default,,0000,0000,0000,,個個似乎都咁睇
Dialogue: 0,0:07:58.69,0:08:00.68,Default,,0000,0000,0000,,買任何商品嗰陣
Dialogue: 0,0:08:00.68,0:08:03.47,Default,,0000,0000,0000,,你會要人哋清楚交代件貨嘅詳情
Dialogue: 0,0:08:03.50,0:08:04.75,Default,,0000,0000,0000,,你去買藥
Dialogue: 0,0:08:04.75,0:08:06.65,Default,,0000,0000,0000,,佢會寫明有咩副作用
Dialogue: 0,0:08:06.67,0:08:08.69,Default,,0000,0000,0000,,你買件大學商品嗰陣
Dialogue: 0,0:08:08.69,0:08:10.44,Default,,0000,0000,0000,,佢需要有張警告標籤
Dialogue: 0,0:08:10.47,0:08:12.50,Default,,0000,0000,0000,,畀消費者有權揀
Dialogue: 0,0:08:12.50,0:08:14.24,Default,,0000,0000,0000,,知情下做決定
Dialogue: 0,0:08:14.84,0:08:15.92,Default,,0000,0000,0000,,你去買車
Dialogue: 0,0:08:15.92,0:08:18.53,Default,,0000,0000,0000,,佢會話你知每加侖預計跑到幾多里
Dialogue: 0,0:08:18.53,0:08:20.90,Default,,0000,0000,0000,,但冇人會預計到讀完大學
Dialogue: 0,0:08:20.90,0:08:24.33,Default,,0000,0000,0000,,譬如讀完科「加拿大研究」前景會係點
Dialogue: 0,0:08:24.33,0:08:26.84,Default,,0000,0000,0000,,真係有呢個學系㗎
Dialogue: 0,0:08:28.59,0:08:31.79,Default,,0000,0000,0000,,假如有個應用程式可以話個前景我哋知？
Dialogue: 0,0:08:34.40,0:08:39.50,Default,,0000,0000,0000,,計吓個學費同預期人工係咪成正比
Dialogue: 0,0:08:39.80,0:08:42.57,Default,,0000,0000,0000,,暫且叫個應用程式做 \NIncome-Based Tuition 或者 IBT 啦
Dialogue: 0,0:08:42.60,0:08:44.12,Default,,0000,0000,0000,,係你哋其中一個人設計而嚟
Dialogue: 0,0:08:44.14,0:08:45.33,Default,,0000,0000,0000,,（笑聲）
Dialogue: 0,0:08:45.33,0:08:47.57,Default,,0000,0000,0000,,正視返你嘅前途問題
Dialogue: 0,0:08:47.57,0:08:49.65,Default,,0000,0000,0000,,（笑聲）
Dialogue: 0,0:08:49.65,0:08:53.60,Default,,0000,0000,0000,,IBT 呢個應用程式有三個好處
Dialogue: 0,0:08:55.23,0:08:57.12,Default,,0000,0000,0000,,用戶可以知道
Dialogue: 0,0:08:57.14,0:09:00.79,Default,,0000,0000,0000,,讀完某某大學同埋學系，人工會係幾多
Dialogue: 0,0:09:01.10,0:09:02.45,Default,,0000,0000,0000,,用家有咗呢啲資訊
Dialogue: 0,0:09:02.47,0:09:03.97,Default,,0000,0000,0000,,就冇咁易
Dialogue: 0,0:09:03.97,0:09:07.74,Default,,0000,0000,0000,,畀啲無良推銷員氹得掂
Dialogue: 0,0:09:07.74,0:09:09.52,Default,,0000,0000,0000,,同時可以揀得明智啲
Dialogue: 0,0:09:09.52,0:09:12.01,Default,,0000,0000,0000,,到時仲邊有人會交一筆
Dialogue: 0,0:09:12.03,0:09:15.28,Default,,0000,0000,0000,,高過預期人工 15% 嘅學費出嚟呢?
Dialogue: 0,0:09:17.04,0:09:19.76,Default,,0000,0000,0000,,IBT 有第二個好處
Dialogue: 0,0:09:19.78,0:09:22.74,Default,,0000,0000,0000,,透過顯示學費同薪金嘅關係
Dialogue: 0,0:09:22.76,0:09:27.18,Default,,0000,0000,0000,,大學管理層必須要運用新思維
Dialogue: 0,0:09:27.21,0:09:29.55,Default,,0000,0000,0000,,去妥善釐訂學費
Dialogue: 0,0:09:29.57,0:09:30.73,Default,,0000,0000,0000,,譬如
Dialogue: 0,0:09:30.75,0:09:34.75,Default,,0000,0000,0000,,大部份嘅學生不論學系，學費劃一
Dialogue: 0,0:09:35.48,0:09:39.84,Default,,0000,0000,0000,,呢個制度明顯好唔公平，需要改革
Dialogue: 0,0:09:40.30,0:09:44.22,Default,,0000,0000,0000,,工程系嘅學生通常用到嘅資源
Dialogue: 0,0:09:44.24,0:09:46.65,Default,,0000,0000,0000,,譬如設施、實驗室、教職員呢啲
Dialogue: 0,0:09:46.67,0:09:48.56,Default,,0000,0000,0000,,會多過哲學系嘅學生
Dialogue: 0,0:09:49.58,0:09:50.94,Default,,0000,0000,0000,,但呢班哲學生
Dialogue: 0,0:09:50.94,0:09:53.98,Default,,0000,0000,0000,,變相資助緊班工程系學生
Dialogue: 0,0:09:53.98,0:09:56.99,Default,,0000,0000,0000,,第時人工高一截嘅工程系學生
Dialogue: 0,0:09:57.02,0:10:00.10,Default,,0000,0000,0000,,點解要兩個人買嘅貨一樣
Dialogue: 0,0:10:00.10,0:10:01.70,Default,,0000,0000,0000,,畀嘅錢一樣
Dialogue: 0,0:10:01.70,0:10:04.99,Default,,0000,0000,0000,,但其中一個淨係享用到\N一半甚或三份一呢？
Dialogue: 0,0:10:06.45,0:10:10.52,Default,,0000,0000,0000,,事實上，某啲學系嘅畢業生
Dialogue: 0,0:10:10.54,0:10:13.89,Default,,0000,0000,0000,,拎緊人工嘅 25% 嚟還債
Dialogue: 0,0:10:13.89,0:10:16.49,Default,,0000,0000,0000,,但另一啲拎 5% 就得
Dialogue: 0,0:10:17.35,0:10:22.22,Default,,0000,0000,0000,,咁學科收費合理啲就會消除呢啲不公平
Dialogue: 0,0:10:23.04,0:10:25.20,Default,,0000,0000,0000,,當然啦，而家呢堆資料…
Dialogue: 0,0:10:25.22,0:10:27.30,Default,,0000,0000,0000,,我諗在座會有人走去搞㗎可？
Dialogue: 0,0:10:27.32,0:10:29.17,Default,,0000,0000,0000,,呢堆資料要有人整理好
Dialogue: 0,0:10:29.19,0:10:31.29,Default,,0000,0000,0000,,譬如交畀會計公司做審計
Dialogue: 0,0:10:31.32,0:10:33.27,Default,,0000,0000,0000,,避免畀啲統計數字呃
Dialogue: 0,0:10:33.29,0:10:35.26,Default,,0000,0000,0000,,統計大家都識㗎可？
Dialogue: 0,0:10:36.47,0:10:37.99,Default,,0000,0000,0000,,除咗正話兩個好處
Dialogue: 0,0:10:38.01,0:10:42.39,Default,,0000,0000,0000,,第三個，而且係 IBT 最大嘅好處
Dialogue: 0,0:10:42.42,0:10:47.38,Default,,0000,0000,0000,,就係令美國人唔使驚再陷入財困
Dialogue: 0,0:10:47.38,0:10:50.15,Default,,0000,0000,0000,,唔使再驚買咗件爛貨返嚟
Dialogue: 0,0:10:50.81,0:10:52.90,Default,,0000,0000,0000,,或者某個時刻
Dialogue: 0,0:10:52.90,0:10:55.40,Default,,0000,0000,0000,,新舊兩代嘅美國人重新發現
Dialogue: 0,0:10:55.43,0:10:57.48,Default,,0000,0000,0000,,正如頭先嗰位講者所講
Dialogue: 0,0:10:57.48,0:10:59.69,Default,,0000,0000,0000,,對知識嘅追求同熱愛
Dialogue: 0,0:10:59.71,0:11:01.15,Default,,0000,0000,0000,,開始學啲想學嘅嘢
Dialogue: 0,0:11:01.17,0:11:03.81,Default,,0000,0000,0000,,鍾意自己學緊嘅嘢，隨心而行
Dialogue: 0,0:11:04.58,0:11:07.05,Default,,0000,0000,0000,,深受知識所啟發
Dialogue: 0,0:11:07.07,0:11:10.51,Default,,0000,0000,0000,,去探索自己渴望探索嘅事物
Dialogue: 0,0:11:10.85,0:11:15.30,Default,,0000,0000,0000,,望返轉頭，其實係阿 Eric 同 Kevin
Dialogue: 0,0:11:15.32,0:11:16.49,Default,,0000,0000,0000,,兩年前
Dialogue: 0,0:11:17.50,0:11:20.93,Default,,0000,0000,0000,,正正係呢一班後生仔
Dialogue: 0,0:11:20.95,0:11:22.98,Default,,0000,0000,0000,,佢哋鼓勵我，同我共事
Dialogue: 0,0:11:23.00,0:11:24.56,Default,,0000,0000,0000,,到到而家
Dialogue: 0,0:11:24.58,0:11:28.56,Default,,0000,0000,0000,,依然落力研究緊美國呢個學生貸款問題
Dialogue: 0,0:11:29.27,0:11:30.80,Default,,0000,0000,0000,,好多謝大家！
Dialogue: 0,0:11:30.83,0:11:35.39,Default,,0000,0000,0000,,（鼓掌）