Two ways of measuring how this happened and what difference it made is to realize, to return to what I said earlier, that big state structures involve bureaucracies.

如果要弄懂贵族如何获利,以及贵族获利所引起的改变,我们必须意识到大国必须建立官僚机构,我在前面曾提到过这一点

耶鲁公开课 - 欧洲文明课程节选

They said, it's not going to work because you have to decide how much the house is insured for and then anybody--If you ever make a mistake and you insure it for too much, then the people who realize they've got one on the insurance company-- they've insured the house for more than it's worth-- they'll burn down their house and collect the money.

他们说，火险根本无法实施,因为你必须判断,这房子的保价是多少,一旦你出现了一些失误,保价评估得过高，那些意识到他们可能会从,保险公司赚利的人们-,即保险公司的保价高于房子的实际价值-,他们就会烧掉自己的房子来赚钱。

耶鲁公开课 - 金融市场课程节选