?????在金融領域，如今實力強的銀行除了本地銀行，還是本地銀行。他們認識客戶和客戶的孩子，當面交談，絕不只是知道賬戶結余情況。不斷擴張的銀行其金融規?；使倘徽T人，但帶來的風險幾乎能完全抹去擴張的經濟效益。芝加哥大學（University of Chicago）經濟學家拉古拉邁?拉詹在描述2008年危機起源時的用詞讀起來不亞于一個“內部時代”宣言。他解釋說：“把不斷擴張視為理所當然的模式自然有一天會到頭?！?/p>

????? 甚至在我們的衣食等日常用品中，也能找到這種轉變的證據。如果說過去幾十年是以周游世界和大廚復興為特征，將全球口味帶到我們的餐桌上（想想超級大廚兼主持人馬里奧?巴塔里和安東尼?波登），如今的潮流則完全是本地風味：比方說，在哥本哈根的Noma餐廳食用本地風味食品。隨著從培根到啤酒，從縫制、編織和首飾制作，所有產品都興起了家庭自制熱潮。想想Kind Snacks團隊的洞見，使用透明包裝，有別于其他能量棒，結果大大推動了增長。人們想知道自己吃的到底是什么。

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????譯者：早稻米

????? In the world of finance the strongest banks are now relentlessly local. They know their customers and their customers' kids, by sight and not just by balance. The once-appealing efficiencies of financial scale, of ever-outward-reaching banks, brought risks that all but obliterated their economic advantages. Describing the origins of the 2008 crisis in terms that read like nothing less than an insider-era manifesto, University of Chicago economist Raghuram Rajan explained, "Modeling that took the plumbing for granted ensured the breakdown of the plumbing."

????? Even in the quotidian -- what we eat, what we wear -- we find evidence of this shift. If the past few decades featured a globetrotting, chef-flavored renaissance (think Mario Batali and Anthony Bourdain) that brought global tastes to our doors, the buzz now is all about a new logic of local consumption: locavore food at Noma in Copenhagen, for instance. Or the rise of the home crafts movement for everything from bacon to beer, and sewing, knitting, and jewelry. Think of the insight of the team at Kind Snacks that set it apart from PowerBars and fueled its growth: transparent wrappers. People want to know what is inside their food.