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We give them a list of areas in the business, and they get to select their first, second, third choice.
在我们给出的公司业务的很多领域中，做出第一，第二，第三选择。
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working as part of consulting, working with companies on how to better structure their business,
作为咨询的一部分，
与公司合作研究如何让公司的业务架构更好，
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That naturally hits monoline insurance companies more than multiline insurance companies because they are more specialized and more vulnerable.
它对单线保险公司的冲击,自然要大于多线保险公司,因为它们的业务更单一也更容易受到影响
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And then you probably saw, when you were in our factory, we have this business process improvement, which is where anyone inside the company can get involved in improving something that they see that could be done better.
你可能已经看见了，在我们的工厂，我不断完善业务流程，所有公司员工,都参与其中,改进他们认为,能变得更好的方面。
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She said, we have it now at Swiss Re and, of course, The World Bank sponsors crop insurance for farmers.
她说,我们公司推出了农作物保险业务,而且世界银行也向农户提供保险补贴
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What this did is it allowed banks to offer insurance or to ally and join in and merge with insurance companies.
这个法案允许了银行从事保险业务,或者与保险公司合作,整合,并购
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Now incidentally, often bank loans to corporations are short-term, technically, so the bank is both lending short and borrowing short.
顺便说一下,技术上讲,银行借给公司的都是短期贷款,银行同时进行短期借贷业务
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These are private companies--insurance companies--they're monoline because they look only at a certain class of risks and not all risks that they insure.
他们是私人保险公司,从事单线业务,因为他们只关注一类特定风险,而不是担保所有的风险
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You have to be a big company to do it and if you have a big company you've exhausted the risk of-- never goes away completely.
你的公司得够大才能做保险这项业务,如果你有个大公司你就能减小风险,不太容易被风险击垮
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In contrast, a multiline kind of insures itself.
相对的,多线公司的业务相当于能相互保险
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But in many cases firms do a mixture of different activities one of which is investment banking.
但是大部分情况下，公司做各种各样的业务,其中一个就是银行投资业务。
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They had a number of partnerships that they put on as off balance sheet.
安然有众多的关联方公司,营运着表外业务
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Investment banking had to be a separate firm.
投资银行业务必须由独立公司承担。
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