当然，我们也在某些年份经历了承保损失。

Of course, we too will experience underwriting losses in some years.

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但我们我们相信，一个更好的衡量标准是承保损失与浮存的比。

We believe a better measure, however, to be a comparison of underwriting loss to float developed.

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当同业平均保费收入年成长只在4%或5%徘徊，则当年承保损失一定会上升。

In years when the industry's annual gain in revenues (premiums) pokes along at 4% or 5%, underwriting losses are sure to mount.

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