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In 1922, State Farm was formed by George Mecherle, a farmer from Merna, Illinois, who aimed to take advantage of the pricing umbrella maintained by the high-cost giants of the industry. State Farm employed a "captive" agency force, a system keeping its acquisition costs lower than those incurred by the bureau insurers (whose "independent" agents successfully played off one company against another). With its low-cost structure, State Farm eventually captured about 25% of the personal lines business, far outdistancing its once-mighty competitors. Allstate, formed in 1931, put a similar distribution system into place and soon became the runner-up in personal lines to State Farm.
1922年州农保险由伊利诺州 Merna 的农夫 George Mecherle 所创立,年州农保险由伊利诺州所创立,目标锁定在打破业界掮客所树立的高价保护伞,州农雇用专属仲介人员,标锁定在打破业界掮客所树立的高价保护伞,州农雇用专属仲介人员,这套系统让州农取得保单的成本远低于一般保险同业,套系统让州农取得保单的成本远低于一般保险同业,其独立业务代表接二连三成功地搞倒其它业者,拜其低成本结构所赐,州农最终拮取连三成功地搞倒其它业者,拜其低成本结构所赐,州农最终拮取25%的个的个人业务大饼,含车险及住宅险在内,远远超越昔日强大的竞争对手,人业务大饼,含车险及住宅险在内,远远超越昔日强大的竞争对手,而创立于1931年的 Allstate 也仿效设立类似的行销通路,并一举跃居第二,立于年的也仿效设立类似的行销通路,并一举跃居第二,仅次于州农,资本主义再度发挥神奇的效用,仅次于州农,资本主义再度发挥神奇的效用,而这种低成本的营运确已势不可挡。
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Numerous high price of the person that get mark enters, with Buffett it is Kan big hill, they talk about investment, golf, bridge, official red is heard, become even the Yo of dad classics.
众多得标者高价入场,与巴菲特就是侃大山,他们聊投资、高尔夫、桥牌,官员绯闻、甚至当爹的育儿经。
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Color code:色标
鉴定证书对消费者而言,价值不在于颜色,不然的话玉友人手一本色标(color code)就行了. 而在于产地,主要问题是青海料,俄料不要误判为"和田玉",枉付高价. 是青海白玉的不写羊脂白玉的,以免误读,误判. 我们的基于宝石学的和田玉的鉴定系统做到这一点了吗?
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Pinot Noir:(黑皮诺)
他们在酒瓶上贴上假的标贴,把普通的葡萄酒冒充成. "黑皮诺"(Pinot Noir)名酿,以高价出售,涉及的数量达1800万瓶,最后被法国海关揭发.