We're seeing what they call systemic effects-- that's a very general term that goes beyond insurance.

我们现在看到了它的系统性作用,其影响远远超出了保险业自身

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And what this is in a very general sense is the learning of an association between one stimulus and another stimulus, where stimulus is a technical term meaning events in the environment like a certain smell or sound or sight.

一般来说,经典条件作用是指在一个刺激,和另一个刺激之间形成联结，这里的刺激是一个专业术语,意思是环境中出现的事件,比如某种味道，声音或景观。

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