As a consequence, these Banks may be more likely to make risky investments, a concept described by Kenneth Arrow (1972) and Joseph Stiglitz (2001) as moral hazard.(因此，這些銀行或許更易做出風險投資，如同肯尼斯·阿羅(1972)和約瑟夫·施蒂格利茨(2001)提出的道德風險的這個概念。)

After that Captain Cook made two more voyages around the world, but Joseph Banks never undertook another.(在那之后，庫克船長又進行了兩次環世界旅行，但是約瑟夫·班克斯再也沒有參加另一次旅行。)

It was Joseph Banks who made Kew a centre of scientific and economic research.(正是約瑟夫·班克斯把皇家花園建成了一個科學和經濟研究中心。)