So, most states would essentially adopt what the NAIC says, otherwise--they're not going to figure it all-- they can't claim to beat--it would be rational to do that.

因此大部分州基本上都会采纳这些建议,不然的话,各州要自己进行全盘考虑,若要推翻保协会的建议,那将是不理智的

耶鲁公开课 - 金融市场课程节选

One situation is when you're speaking with a friend who had given you really good advice that you failed to take.

一种情况是，当你正在和一个朋友交谈，他之前曾给你一些很好的建议，但你却没有采纳。

I should have 课堂 - SpeakingMax英语口语达人