问题如下图：
选项：
A. 
B. 
C. 
解释：
能说一下题干里表达“未来消费和遗赠的现值比human capital大”的话吗？
韩韩_品职助教 · 2018年02月28日
同学你好，这里要明确两个概念，net worth & net wealth, net worth是指传统资产负债之间的差额，而net wealth是考虑了包括human capital pension value/consumption needs, bequest等全部资产负债之间的差额。
在题干statement 2下面有一句话说：
Perrin asks Blanc to compare his traditional and economic balance
sheets. Blanc calculates that the sum of the present values of Perrin’s
consumption goals and bequests exceeds that of his unvested pension
benefits and future earnings.
所以net wealth 是比net worth小的。