Of course, the problems are not damning; they're problems that reflect the progress yet needed to be made in insurance.

当然,这些问题并不是非常糟糕的,这些问题反映了,保险行业中还有待改进之处

耶鲁公开课 - 金融市场课程节选

The Morningstar study is incredibly damning in terms of the market timing abilities of individual investors.

晨星公司这一研究结果,谴责了个体投资者的市场时机选择能力

耶鲁公开课 - 金融市场课程节选