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1、THEUNDERCOVERECONOMISTThispageintentionallyleftblankTHEUNDERCOVERECONOMISTExposingWhyTheRichAreRich,ThePoorArePoor—AndWhyYouCanNeverBuyADecentUsedCar!TimHarford2006OxfordUniversityPress,Inc.,publishesworksthatfurtherOxfordUniversity’sobjectiveofexcellenceinresearch,scholarship,andeducation.Ox
2、fordNewYorkAucklandCapeTownDaresSalaamHongKongKarachiKualaLumpurMadridMelbourneMexicoCityNairobiNewDelhiShanghaiTaipeiTorontoWithofficesinArgentinaAustriaBrazilChileCzechRepublicFranceGreeceGuatemalaHungaryItalyJapanPolandPortugalSingaporeSouthKoreaSwitzerlandThailandTurkeyUkraineVietnamCopyr
3、ight©2006byTimHarfordPublishedbyOxfordUniversityPress,Inc.198MadisonAvenue,NewYork,NewYork,10016www.oup.comOxfordisaregisteredtrademarkofOxfordUniversityPressAllrightsreserved.Nopartofthispublicationmaybereproduced,storedinaretrievalsystem,ortransmitted,inanyformorbyanymeans,electronic,mechan
4、ical,photocopying,recording,orotherwise,withoutthepriorpermissionofOxfordUniversityPress.LibraryofCongressCataloging-in-PublicationDataHarford,Tim,1973–Theundercovereconomist/TimHarford.p.cm.ISBN-13:978-0-19-518977-3ISBN-10:0-19-518977-91.Economichistory,1990–2.Economics.3.Consumereducation.I
5、.Title.HC59.15.H352005330.9'0511—dc222005010297135798642PrintedintheUnitedStatesofAmericaonacid-freepaperToDeborahHarford,FranMonks,andStellaHarford—family...past,present,andfuture.ThispageintentionallyleftblankAcknowledgmentsPeterSinclairgotmeintoeconomics;TonyCourakis,SimonCowan,StanFischer
6、,BobGarhart,PaulKlemperer,BrendanMcElroy,ElinorOstrom,HyunShin,BillSjostrom,andmanyothershelpedmealongtheway.Iamgratefultothemall.AtShell,GedDavisletmeworkpart-timewhileIproducedthefirstdraftofthebook.Iwasflatteredbyhisreluctanceandgratefulforhissupport.OthercolleaguesatShellwereinspira-tiona
7、l,especiallyBetty-SueFlowers,AnupamKhanna,ChoKhong,MichaelKlein,DougMcKay,andJohnRobinson.AttheFinancialTimes,PilitaClark,AndyDavis,ChrisGiles,AndrewGowers,JohnKay,JohnWillman,andMartinWolfgavemeopportunitiesandthenmadesureIdidn’twastethem.At
