英语翻译奋战了几天以后,我不得不正视我得努力学英语的事实了.然而后天要交的论文亟待解决,救小女子于水火之中啊.The s

英语翻译
奋战了几天以后,我不得不正视我得努力学英语的事实了.然而后天要交的论文亟待解决,救小女子于水火之中啊.
The second risk-reducing function of segregation is to set an insurance premium that most accurately reflects the risk that an insured brings to the pool.Here,relative to undifferentiated insurance pools,precise risk segregation can reduce the level of underlying losses actually suffered.Charging insureds a premium related to underlying risk informs the decisions of potential insureds as to whether and how much to engage in the activity generating the risk.For example,the higher auto premiums charged 16- to 25-year-old males (or their parents) because of higher expected claims costs serves as a market rationing device for teenage male driving.Some young males are prevented from driving or encouraged to drive more carefully because of the higher premiums charged or the fear of subsequent higher premiums should they become involved in an accident or commit a
traffic violation.As a result,relative to a regime without risk segregation,the accident rate will be lower.5 All forms of insurance premium discrimination have this effect.Just as risk segregation charges appropriately higher premiums to the high-risk,it charges appropriately lower premiums to the low-risk.Here,precise risk pool definition extends insurance availability by controlling adverse selection.Since insurance premiums
must be set according to the average level of risk brought to the pool,the wider the range between high-risk and low-risk pool members,the greater the difference between average risk and the risk of the low-risk members.If the disparity between the premium and the risks added by low-risk members becomes too substantial,low-risk members will drop out of the pool,because they find alternative means of protection cheaper than market insurance.6 One of the most important reasons that some risks are uninsurable is that insurers are unable to narrow the assortment of risks within a risk pool.
The aggregation mad segregation functions of insurance,then,are similar both in method and effect:Both serve to increase predictive accuracy in order to reduce the risk level and the effective costs of injuries.Reducing injury costs,however,necessarily generates offsetting effects.Where expected injury costs are lower,the underlying level of activity and the underlying injury rate will increase,a phenomenon known as moral
hazard.

第一个翻译：二个风险,减少隔离功能是确定保险费最准确地反映了风险保险带来池.在这里,相对于未分化的保险库,精确的风险隔离,可以减少潜在的实际遭受的损失程度.充电保险人与潜在的风险溢价通知潜在投保人决定是否多少从事的活动产生的风险.例如,更高的汽车保费收取16 - 25岁（或其父母因为较高的预期债权的费用）岁的男性充当配给的青少年男性驾驶设备市场.一些年轻男性都被禁止驾驶或鼓励驾驶者更仔细,因为高昂的保费收取或更高的保费怕以后他们应该成为涉及交通意外或进行
违反交通法规.因此,相对于一个没有风险隔离制度,意外发生率也比较低.5所有保险费形式的歧视产生这样的效果.正如风险隔离收费适当提高保费的高风险,它的收费适当降低保费的低风险.在这里,准确的风险池的定义扩展了控制逆向选择保险的情况.由于保险费
应根据对风险的平均水平带到游泳池,与更广泛的高风险和低风险池成员范围越大,平均之间的风险和低风险的成员风险差.如果双方的风险溢价和差距,低风险的成员将变得过于庞大,低风险的成员将不再在泳池内,因为他们发现的保护,而不是市场保险更便宜的替代手段.6最重要的原因,有些风险承保的保险公司之一,是无法在一个风险池缩小风险品种.
第二个翻译：聚集保险疯狂隔离功能,那么,无论在类似的方法和效果：两个有利于提高预测的准确性,以减少风险水平和受伤的实际成本.减少伤害的费用,但是,一定会产生抵消作用.这里的预期伤害成本较低,活动的基本水平和基本受伤率将增加,这种现象被称为道德
危险.