无论市场状况如何，搜寻便宜货都会让人上瘾，讨价还价是一项低风险、高价值的接触类运动。

Bargain-hunting can be addictive regardless of the state of the markets, and haggling is a low-risk, high-value contact sport.

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通过出售这种产品，银行为那些新的风险持有者促成了保险合约，这在市场状况好的时候可以产生稳定的收益，但一旦市场失灵，便可能要求巨额的支出。

By selling these, Banks have brokered insurance contracts to the new holders of risk that in good times produce steady streams of income, but could require huge payouts if markets ever seize up.

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基金组织认为近几年的市场低波动率可能得益于更为稳定的经济状况，央行可信度的提高或者金融体系风险的更好的分散。

The fund suggests the low volatility of recent years may be owing to greater economic stability, improved central-bank credibility or the better dispersion of risks around the financial system.

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