Most contentious was the proposal for a government-run insurance option, also known as a public option, to give Americans a choice over private insurance companies.

VOA: standard.2009.11.08

Both of these were ideas that were copied all over the world-- that's the way inventions are-- so a lot of insurance policies today have cash values.

以上两个点子后来在全世界被广泛使用,这就是创新,所以现在的很多保单都是有现金价值的

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This is something that's very important in the United States because, as I mentioned, insurance regulation is divided up over the fifty states and the problem that that creates is-- it's a nightmare for insurance companies because every different state has different laws.

在美国,这个协会是非常重要的,因为,就像我所提及的,保险监管被分散到了五十个州,这对任何一个保险公司而言,都是一个噩梦,因为各州法律各有不同

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