整个欧洲大陆的保险公司在上世纪80及90年代很乐意销售有最低回报率保证的保单，因为它们相信长期利率不会远低于5%。

Many insurers across the continent happily sold policies in the 1980s and 1990s with guaranteed minimum returns in the belief that long-term interest rates would not fall much below 5%.

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当大家坐下开业务会议时，就会不停地说，不停地辩论，直到在如何提高企业现金流、如何降低工作重复或反思我们的最低回报率等问题上达成共识。

When we sit in business meetings, we stay and talk until we figure out how to increase cash flow, or reduce corporate duplication, or rethink our hurdle rates.

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