来自《耶鲁大学开放课程：金融市场第3集第3集》

they'll burn down their house and collect the money.

他们就会烧掉自己的房子来赚钱
Now, how can the insurance company

如今保险公司是如何准确评估
ever evaluate every house properly to avoid that?

每一个房屋的价值而避免那种情况呢
They had to work on that, they had to devise--

他们得做些工作他们要设计出
they had to get an appraisal industry

他们不得不借助于评估机构
that could appraise houses and get some idea of

以便于鉴定房屋情况并且得知一些
what they're really worth.

其真实价值的参考意见
They had to get that all worked out,

他们得鉴定所有的东西
it had to be done accurately,

还得认真准确
and they had to decide to

而且他们还得决定是否
keep a certain amount of co-insurance.

要进行一定程度的共保
In other words,

换句话说