此时保险人会突然发现自己面临巨额损失，好光景时赚的那点期权费只是杯水车薪，不得不以自有资本抵进行冲抵。
When that happens, the insurer can suddenly find itself facing huge losses that can not only wipe out the premiums earned in good times, but also cut into its capital as well.
在光景好的时候，交易量总是保持高位；但在光景不好时，甚至可能出现无交易量的情形。
When times are good, volumes are usually high; but when times are bad, they can be non-existent.
蚂蚱在好光景里唱过：“冬日尚遥远，佳时堪冶游。”
The grasshopper had a great time singing, "Winter is far away, and it is a glorious day to play."
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