错误把握市场波动会使他们损失惨重(或者，如果投资者是专业基金经理，那么他们的客户会损失惨重)。
Get market timing wrong and they may lose a fortune (or, if they are a professional fund manager, their clients will).
保险公司损失最惨重的一年是2005年。
员工往往获得限制性股票，因此他们的公司倒闭时损失惨重；雷曼兄弟的老板迪克·福尔德是一个突出的例子。
Employees were often paid in restricted stock and thus suffered heavily when their firms collapsed; Dick Fuld, the boss of Lehman Brothers, was a prominent example.
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