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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。

Furthermore, even by the relatively hygienic standards of most insurers, the asset side of Lloyd's' balance-sheet is squeaky clean, while the toxic claims that brought it to its knees in the 1990 s are now parcelled off to Warren Buffett's Berkshire Hathaway.

此外，大多数保险公司相关的清洁标准，劳埃德商船协会资产负债表的资产方非常干净，然而对有毒资产的索赔于 20 世纪末把协会推到了崩溃的边缘，现在被分成了若干部分给沃伦巴菲特的伯克希尔哈撒韦公司。

Furthermore, even by the relatively hygienic standards of most insurers, the asset side of Lloyd's' balance-sheet is squeaky clean, while the toxic claims that brought it to its knees in the 1990s are now parcelled off to Warren Buffett's Berkshire Hathaway.

此外，大多数保险公司相关的清洁标准，劳埃德商船协会资产负债表的资产方非常干净，然而对有毒资产的索赔于20世纪末把协会推到了崩溃的边缘，现在被分成了若干部分给沃伦？

Just as investors are concerned about the potential negative impact on their portfolios, insurers should also be concerned.

就像投资者关注的潜在负面影响他们的投资组合，保险公司也应该关注。

Wednesday's Wall Street rally, which appeared to start once word of an attempt by the New York insurance regulator to broker a bail-out for the bond insurers got around, further suggests that credit is what truly preoccupies the stock market.

此前，有关纽约保险监管机构试图为给债券保险公司纾困的行动牵红线的传言一经传播开来，华尔街股市立现涨势。

Eventually, with no simple solution to the fiasco in sight, the insurers reneged on all their sports contracts.

最终，陷入困境的保险业由于看不到任何解决问题的希望而取消了所有体育合同。

Today's rescues have included investment banks and insurers, neither of which used to be regarded as system-threatening.

今天的拯救队伍还包括投资银行和保险公司，但是过去都没有作为系统的威胁。

Today's rescues have included investment banks and insurers, neither of which used to be regarded as system-threatening.

如今的救助包括投资银行和保险公司，这二者过去都被认为不构成系统性威胁。

Such reporting will help consumers choose health plans on the basis of value and discourage insurers from skimping on high-value services, such as preventive care.

这种报告将有助于助消费者在价值的基础上选择健康计划，阻止保险公司克扣如预防保健这样的高价值的服务。

Private insurers cover large swathes of the market—indeed, some ECAs are purely private.

私营的保险公司覆盖了市场的大部分---当然，一些ECA是绝对的私营。

The work of this paper is as follows: 1. Looking back the progressing history of the linear motor, introducing the features of the elevator driven by linear induction motor, radicating the topic of this paper "the digital frequency variable control of the elevator bi-side direct driven by linear induction motor". The research of this paper covers the conventional VVVF control, space vector based VVVF control, vector control and DTC.

本文主要开展了以下几个方面的工作： 1 回顾了直线电机发展历史，电机的驱动技术演变，特别是针对直线电机的驱动，简要介绍了直线感应电机驱动电梯的优点和不同结构类型，对传统的v／f控制，基于空间矢量法的v／f控制，矢量控制，和基于电压空间矢量的直接转矩控制进行了比较，确立了本课题的研究主题：直线感应电机双边直推式驱动电梯的全数字变频控制。

The article combines with the treatment of a superficial civil air defense work to introduce how the grouting method to improve the performance of the backfill soil.

文章从治理漂浮人防工事的角度提出了注浆技术在改善回填土性质方面的应用，并详细阐述了注浆技术的施工流程。