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2019年07月18日 11:30:24来源:ask在线

  • A: Get a doctor here, immediately!B: What's the problem, sir?A: My wife is on the floor, she's unconscious!B: Sir, could you calm down a little bit, please?A: Calm down?! My wife is unconscious, and you're telling me to calm down?!B: Hold on just a second, sir. I'm dialing 9.A: Hurry up, please.B: I'm connecting you now, sir.。
  • Many psychologists have given up trying to interpret dreams, but we talked to one who hasnt.许多心理学家已经放弃解梦了,但我们采访了一位还在坚持的人Psychologist Ian Wallace has interpreted over 0,000 dreams during more than 30 years of practice.在30多年的实践中,心理学家伊恩·华莱士(Ian Wallace)已经解读过超过万个梦境He helped us compile a list of nine of the most common dreams, their meanings, and what action you should take in waking life.他帮助我们列出了九个最常见的梦、它们的含义以及在现实生活中人们应该怎样做9. Finding an unused room发现一间闲置的房间What it means: The rooms in a house represent different aspects of your character. So finding an unused room suggests that youre discovering a talent that you werent aware of bee.含义:房子里的房间代表了你性格中的不同特质所以梦见自己找到一个空置不用的房间,意味着你正在发现自己之前没有察觉到的一种才能What you should do: The more time that you spend exploring your dormant talents, the more likely that you will find other doors opening you in waking life, says Wallace.现实启示:华莱士说,你花越多的时间去探索未发掘的才能,在现实生活中你越可能发现有其他的大门为你敞开 61。
  • Reinsurance in property and liability insuranceThere are two essential ways in which risk is shared under reinsurance agreements in the field of property and liabity insurance.The reinsurance agreements may repuire the reinsurer to share in every loss that occurs to a reinsureed risk,or it may require the reisurer to pay only after a loss reaches a certain size.Quota share treaties and surplus treaties fall in the first category,while excess-loss treaties comprise the second.bull;HEADING AUnder a a share treaty,the direct-writing company and the reinsurance company agree to share the amount of each risk on some percentage basis.Thus,the A Mutual Insurance Company(the direct writer)may have a 50% a share treaty with the DEF Reinsurance Company(reinsurer).Under such an agreement,the DEF Reinsurance Company will pay 50% of any losses arising from those risks subject to the reinsurance treaty.In return the A Mutual Insurance Company will pay the DEF Reinsurance Company 50% of the premiums it receives from the insureds.(with a reasonable allowance made to A the agent*commission and expenses connected with putting the business on the books).bull;HEADING BUnder a surplus treaty,the reinsurer agrees to accept some amount of insurance on each risk in excess of a specified net retention.Normally,the amount the reinsurer is obligated to accept is referred to as a number of ;lines; and is expressed as some multiple of the retention.A given treaty might spectify a net retention of $,000,with five ;lines.;Under such a treaty,if the direct writer writes a $,000 policy,no reinsurance is involved,but the reinsurer will accept the excess of policies over $,000 up to ,000.These treaties may be ;first-surplus treaties;,;second-surplus;,and so on.A second-surplus treaty fits over a first-surplus treaty,assuming any excess of the first treaty,and so on a third or fourth treaty.To illustrate,let us assume that the A Mutual Insurance Company,has a first-surplus treaty with a $,000 net retention and five lines with the DEF Reinsurance Company and a second-surplus treaty with the GHI Reinsurance Company,also with five lines.If A sells a ,000 policy,it must,under the terms of both agreements,retain $,000.The DEF Reinsurance Company will then assume ,000 and GHI will assume <牛人_句子>,000:A Mutual Insurance Company $,000DEF Reinsurance Company 50,000GHI Reinsurance Company 0,000Any loss under this policy would be shared on the basis of the amount of total insurance each company carries.Thus,A would pay % of any loss,DEF would pay 50%,and GHI would pay 0%.The premium would be divided in the same proportion,again with a reasonable allowance from the reinsurers to the direct writer the expense of putting the policy on the books.bull;HEADING CUnder an excess-loss treaty,the reinsurer is bound to pay only when a loss exceeds a certain amount.In essence,an excess-loss treaty is simply an insurance policy that has a large deductible taken out by the direct writer.The excess-loss treaty may be written to cover a specific risk or to cover many risks suffering loss from a single occurrence.Such a treaty might, example,require the reinsurer to pay after the direct-writing company had sustained a loss of $,000 on a specific piece of property,or it might require payment by the reinsurer if the direct writer suffered loss in excess of ,000 from any one occurrence.There is,of course,a designated maximum limit of liability the reinsurer.Insurers get that sinking feelingWHETHER insurers have hearts is debatable.But if they do,the date of August th 199 is surely etched indelibly upon them.That was the day that Hurricane Andrew blew its way through Florida and Louisiana and into the record books,leaving insurers with a repair bill of over $ billion.Reinsurers-sellers of insurance to insurers-ended up footing much of that bill.As a result,they swore that they would introduce discipline into an industry notorious relying on gut instinct rather than actuarial tables.Notably,there would be a re-think of traditional underwriting methods.Two years on,however,little has changed.At first,the hurricane provoked a minirevolution.The price of catastrophe insurance soared:rates in the end-199 renewal season were anywhere from 50% to 0% higher than those a year earlier.Retentions,which show the potential losses to which primary insurers opt to stay exposed rather than buying reinsurance,also rose sharply.Why?One reason was that the market capacity to cover losses had shrunk.Hurricane Andrew followed several years of heavy losses. several smaller reinsurers,it proved the last straw;they quit the industry.Even the world two biggest reinsurance firms,Munich Re and Swiss Re,which had previously competed market share,said that they would turn down business that did not meet tough underwriting criteria.At the same time,capacity at Lloyd,London troubled insurance market,was squeezed as ;names;-the individuals whose capital supports the market-resigned in droves.Another reason that rates rose was that Hurricane Andrew had caused firms to revise their ecasts of future catastrophes.Munich Re,in particular,talked gloomily about global warming and the fear that it would lead to many more violent storms.To cover the increased probability of higher pay-outs,reinsurers began to charge more their services.Recently,these trends have gone into reverse, several reasons.First,1993 turned out to be a much better year reinsurers than anyone had expected,with claims totalling a mere $ billion.(The bulk of the cost of that year biggest disaster,the floods in America Mid-west,fell on the government,not the insurance industry).As reinsurers turned in bumper results,talk of global warming faded.Second,reinsurance capacity began to rise again.Lloyd of London was boosted by the prospect of an injection of capital from newly authorised corporate investors.And Bermuda,hitherto known only as a base captive insurers(subsidiaries set up to allow industrial firms to insure themselves),suddenly became a ce to be reckoned with.The creation of several new firms since November 199 has boosted the capacity of the island reinsurers from almost nothing to around billion.New capacity has not stopped talk of an insurance crisis in Florida and,since January earthquake in Los Angeles(the second-biggest insured loss ever),in Calinia.Reinsurers have realised that potential catastrophic losses in those states are now so huge that it might never make sense to provide full coverage,reckons Peter Kellogg of A.M. Best,an American firm of insurance analysts.If thousands of homes are now to be left without cover,the government might have to step in.One way it could do so is by selling reinsurance,as proposed by the National Disaster Coalition,a lobby group. 7。
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