2025年事实上已经是保单大重写之年；而从2026年开始，企业会逐步发现，自己买到的不是一张覆盖一切的AI风险保单，而是一张更窄、更贵、且附带更多前置条件的可承保风险。本文关心的不是保险公司如何用AI提效，而是反过来，AI如何重写保险的经营范式。风险从可分散变成同源聚合，黑箱把成本先推到辩护费用，责任链条在供应链里漂移。保险会从概率生意走向治理生意，定价权会从精算迁移到审计与红队证据链。
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Not so much a bad night at the office as a high-stakes, avant-garde masterpiece of self-destruction, Ramy Bensebaini’s performance for Borussia Dortmund as they crashed out of Bigger Cup is destined to go down in the annals as one of the most hapless in the tournament’s history. While there have been costlier mistakes (hello, Loris Karius) and far more high-profile disintegrations (bonjour, b@nter-era PSG), it is difficult to recall any one elite professional footballer being responsible for quite so many howlers in one game as the hapless Algerian left-back.