As a lifelong near-sighted person, prescription eyeglasses and especially prescription sunglasses have long commanded a high premium due to the seemingly precise and scarce nature of creating them.

作为一个终身近视患者，处方眼镜尤其是处方太阳镜因其所谓的精确性和制造材料的稀缺而价格一直居高不下。

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But Philippon and Reshef determined that up to half of the pay premium was due to something much simpler: people in the financial sector are overpaid.

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The greater risk theory supposes that the value premium is due to unobserved risk within those securities, such as hidden financial distress or illiquidity in the marketplace.

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While some firms (primarily those that employ older or sicker workers) will see premium decreases due to community rating, firms with younger, healthier workers will see very large increases: 89% in Missouri, 91% in Indiana and 101% in Nevada.

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