In this worldview, institutions--human institutions evolve only slowly over time and cannot be altered by abrupt human interventions.

在这个世界观里,制度尤其人文制度,发展得非常缓慢,而且不会被突然的人为干预改变

耶鲁公开课 - 美国内战与重建课程节选

I think the reason that it grew slowly was that insurance is a very sophisticated concept.

我认为之所以导致缓慢发展在于,保险学是一个非常复杂的概念

耶鲁公开课 - 金融市场课程节选

Although, I said, insurance was effectively discovered or invented in the 1600s, it has been slow to grow because they didn't have the well-defined-- all of the inventions yet.

尽管我说过，保险实际上,是在17世纪的时候被发现或者发明的，但它的发展非常缓慢,因为人们无法确切定义-,这种被发明出的东西。

耶鲁公开课 - 金融市场课程节选