Recognizing this problem, the insurance commissioners in the various states have decided to form an organization, that's the NAIC, and they hold regular conferences.

在意识到这个问题的时候,各州的保险监督官,就决定去建立一个组织,就是美国保险监督官协会,并定期开会

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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

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As I say, when the NAIC decides on some regulation, it's only a recommendation to the separate state regulatory commissions.

如前述,当NAIC就某项监管做出决议,对于各个州管理委员会而言,这只是一种建议

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Also, about regulation, I want to mention the NAIC-- it's a very important institution-- that stands for National Association of Insurance Commissioners.

同样的,关于监管,我要说说NAIC,它是一个非常重要的机构,它的全称是美国保险监督官协会

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It's a little bit like the NAIC -the National Association of Insurance Commissioners -recommends laws to the local insurance regulators in the fifty United States.

这有点像NAIC,美国保险监督官协会,它对全美国50个州的,地方保险监管机构推荐法律法规

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