再保险人亦是如此，使用除外责任来规避“自动承保能量”（合约），并根据每个风险的实际情况进行评估和定价（临分）。
Reinsurers do the same, as they use exclusion lists to remove "automatic capacity" (treaty) and enable it to judge and price each risk on its own (facultative).
怀尔斯说：“我们人类似乎对机器人很着迷，事实证明，其他动物亦是如此。”
"We humans seem to be fascinated by robots, and it turns out other animals are too," says Wiles.
如果说信用卡对借款人是新生事物的话，对许多印度的发卡行来说亦是如此。
If borrowers are new to consumer credit, so are many Indian Banks.
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