MAPPING FINANCIAL LITERACY: COGNITION AND THE ENVIRONMENT

Recent research suggests that regions can be characterized according to their (more or less) financial literacy. One implication is that there may be regional ecologies of finance nested within national institutions and global markets. This article begins by situating behaviour in time and space, linking behaviour to the interaction between cognition and the environment. This is followed by a substantive account of the geographical scale of the “environment” working from the global to the local and in return from the local to the global. By implication, maps of financial literacy reflect the skills and expertise of resident populations, affecting how they sort amongst the relevant information to make effective decisions (which have a material effect on their long‐term welfare). Explaining how and why this is the case is one goal of the article. It is also acknowledged that representing the relationship between behaviour and the environment is conceptually and empirically challenging. Reference is made to new findings about the ways in which people “sample” the world around them, suggesting that cognition and the environment are intertwined in ways that may reinforce existing urban and regional inequalities. In conclusion, implications are drawn for the design and implementation of pension and retirement saving policies.     

海洋条件下的水下文物埋藏环境概述

出水文物原本埋藏于水下环境,多种破坏因素协同作用,导致病害严重。在对其进行保护修复处理前,需要全面了解文物埋藏历程及病害机理。文物的腐蚀破坏是其与周围环境相互作用的结果。本研究从海水、海洋生物和底质等三大方面探究海洋条件下的水下埋藏环境,并就中国水下考古常见的出水文物类型如陶瓷器、石质、金属质及木质文物的病害类型及原因作简要阐述。