Risk pooling means they put a lot of people with independent or low-correlated risk into a pool and reduce the risk for the whole pool.

风险汇聚即,将独立或相关性小的风险汇聚起来,以降低整体风险

耶鲁公开课 - 金融市场课程节选

Here's one climbing out of the pool: First her face appeared, long and cadaverous, with a bandage-like bathing cap coming down almost to her eyes, and sharp teeth protruding from her mouth.

有一个女人从游泳池中出来了，首先是她的脸，修长,而惨白，如绷带般的泳帽从她的头部,耷拉到她的眼睛，锋利的牙齿从她的口中突出。

耶鲁公开课 - 1945年后的美国小说课程节选

In particular as panic attacks, when he seized-- His first panic attack originated when he walked to a swimming pool and he saw a family of ducks flied away, and he got his panic attack.

尤其是在恐慌症发作的时候-,他的首次恐慌症来自于这样一件事,他来到泳池边,看到鸭群飞离游泳池，他就这样患上了恐慌症。

耶鲁公开课 - 心理学导论课程节选

The idea was that a lot of people can't afford a house -let's all get together and pool our money -in a Building Society or Saving and Loan Association -and then we'll loan out to some of us to buy the house.

当初的想法是,很多人都买不起房子,那我们就把钱凑在一起,放到一个建房互助协会或储贷协会里,然后向我们中那些要买房的人发放贷款

耶鲁公开课 - 金融市场课程节选