The onus of proof lies with you.
你有提供证据。
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And we've learned ways to put less of an onus on individuals, mainly through automatically signing up these people for these plans and automatically investing something - (unintelligible) them in a sensible investment strategy.
我们经学会了减轻个人的方法,主要是通过让这些人自动注册这些计划并自动投资一些东西——(听不清)他们在一个明智的投资策略中。