They want to make sure that there's a significantly high probability-- sufficiently high probability-- that even if they get a bad draw and there are a lot policies that require paying out, that these reserves will satisfy.

他们想要确保,即使保险公司遇上严重事件,面临大量的保单赔付,他们仍然有充分能力,来应付这种状况,也就是说准备金必须足够多

耶鲁公开课 - 金融市场课程节选

It was, in some respects, for me anyway, it was harder than the immediate aftermath of 911, because 911 felt like an discrim event, like there was an attack, we recovered, there was a response.

就我个人而言，在某些方面，它比911后果还要严重，因为911像个能够辨别分析的事件，出现了一次袭击，我们恢复过来，我们有应对措施。

普林斯顿公开课 - 国际座谈会课程节选