and yet it acts almost like a parliament

但它仍然象个议会一样在运作
where these people get together and decide on things

组织成员聚到一起作出决策
and they end up as a force of law.

最终促成法规的形成
Another important–-

还有一件重要的
there are some milestones in insurance that I want to mention.

我想讲讲保险业发展过程中的里程碑式事件
Then I'm going to come back to finally concluding with

然后我会回头总结
problems that we see.

当前存在的一些问题
Of course, the problems are not damning;

当然这些问题并不是非常糟糕的
they're problems that reflect the progress yet

这些问题反映了
needed to be made in insurance.

保险行业中还有待改进之处
I just want to mention the

我要提提
Gramm-Leach-Bliley

格拉姆里奇比利雷法案