费罗利表示，因为机械类产品具有严重的季节性因素，因此核心资本品往往在季度后的第一个月表现欠佳。

He adds that core capital goods tend to be seasonally weak in the first month after the quarter, due to excess seasonality in the machinery category.

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此时保险人会突然发现自己面临巨额损失，好光景时赚的那点期权费只是杯水车薪，不得不以自有资本抵进行冲抵。

When that happens, the insurer can suddenly find itself facing huge losses that can not only wipe out the premiums earned in good times, but also cut into its capital as well.

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最后，国家监管者需要有创意，要使用超过全球最低标准的资本附加费去惩罚那些给纳税人造成更大威胁的银行。

Finally, national regulators need to be creative and use capital surcharges over and above the global minimum standard to "fine" Banks that pose a bigger threat to taxpayers.

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