You have to have the insurance company set up with a structure itself that guarantees that they have enough reserves to meet the losses that they might incur.

你得保证保险公司的设立是基于以下前提,即它能保证拥有足够的储存资金,以便用来拟补有可能发生的损失。

耶鲁公开课 - 金融市场课程节选

It's going to be that if my preferred beer flavor is here say, this is me, my preferred beer flavor is here, then if I end up having to consume Guinness, I have to pay the price of Guinness and I also incur some costs because Guinness isn't the perfect beer for me, it's a little bit too strong.

它变成,如果我喜爱的啤酒味道,如果是我的话,我喜欢的啤酒味道在这,然后如果我最后不得不选择吉尼斯,我必须要支付吉尼斯的价格并且,我还会支出一些成本,因为吉尼斯不是我最爱的啤酒,它太强了

耶鲁公开课 - 博弈论课程节选