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

耶鲁公开课 - 金融市场课程节选

A multiline insurance company insures many different kinds of things and doesn't confine itself to one thing.

多线保险公司为多种事故提供保险,而不是局限于某一种事故

耶鲁公开课 - 金融市场课程节选

People in a profession over the years learn more and more about how to manage the public's expectations and get them to actually purchase insurance.

随着时间的推移,从事这一行的人们,掌握了越来越多的迎合公众期望的方法,并最终说服他们购买保险

耶鲁公开课 - 金融市场课程节选

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

耶鲁公开课 - 金融市场课程节选

So, you're having a good year this year maybe-- it looks that way now-- and you think you can't afford it, but just think how bad it will be if it's a bad year.

也许对你来说,今年年景不错,起码现在看起来是这样的,你只是觉得买不起保险,那么一旦歉收,你的处境会有多糟呢

耶鲁公开课 - 金融市场课程节选

Actually, the automobile insurance is more important than the homeowners' insurance, even though homes are so much more valuable, because--I think that's because cars move and they drive around and they bump into each other.

实际上,尽管住宅要比汽车值钱的多,但是,汽车保险要远比,住宅保险重要,我觉得这是因为汽车是可以移动的,车主们开着车到处跑,容易相互碰撞

耶鲁公开课 - 金融市场课程节选

The reserves are an accounting entry-- it's how much they are required to hold, but the companies will hold more than that, typically, in order to protect themselves-- more than is required--and their policy holders-- more than is required by the regulators.

提取准备金就要做会计分录,由相关部门的规定,来提存一定量的准备金,但是保险公司可以持有更多的准备金,通常,多提存是为了,保护他们自己以及投保人,于是持有更多准备金

耶鲁公开课 - 金融市场课程节选