因此，当风险从独立随机变成同源聚合，保险业只剩两条路：要么排除，要么把治理做进承保流程。
"When I first got down here, it was hard to be sharing a room with people, and the weather was quite miserable. For the first month I thought, 'maybe this isn't the thing for me'," he acknowledges.
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