The theory of insurance is that ideally an insurance company wants to insure independent events.

保险理论就是在理想状态下,保险公司为独立事件承保

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When you do these calculations, which I just did for insurance-- I was talking about insurance companies-- assuming that risks are independent, everything's independent and we've got it all figured out.

当你试图去,做保险相关计算时,我指的是保险公司...,假定风险是独立的,事件都是独立的,可以算出一个结果

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They want to make sure that there's a significantly high probability-- sufficiently high probability-- that even if they get a bad draw and there are a lot policies that require paying out, that these reserves will satisfy.

他们想要确保,即使保险公司遇上严重事件,面临大量的保单赔付,他们仍然有充分能力,来应付这种状况,也就是说准备金必须足够多

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