35.You Bet Your Life.
   35、以命相赌、

   1. Life insurance is not really betting although it can be compared to it. You pay the money just in case. In this day and age, we think of insurance as a natural thing. If we scrape a fender or injure ourselves at work, we know that there is some sort of payment that we can get through insurance. Of course, we don't get it for nothing; we make payments to the companies. If we don't use the insurance, the companies keep the money.
   1、生命保险不是真正意义上的赌博,虽然它能与赌博相比较,你花了钱以防意外。在今天和这个时代,我们认为保险是一件很自然的事。如果我们划破了皮肤或者在工作中伤着了自己,我们知道通过保险我们能获得某种赔款。当然,我们不是无功受禄,我们给保险公司付了钱。我们如果没有使用这项保险,保险公司就赚了这笔钱。
   2."Insurance" is the term that we understand today. Some companies are beginning to use the term "assurance”. As a matter of fact, Charles Babbage, over one hundred years ago, felt that "assurance" was a better term. Apparently few others did, because "insurance" has stayed with us until today.
   2、“保险”是我们今天可以理解的一个词语。某些公司现在开始用“保证”这样的词语。事实上,早在一百余年前,查尔斯先生就认为“保证”是一个更恰当的词语。显然很少有别的人这样认为,因为“保险”这个词已经伴随我们至今。
   3. How old is insurance? Two hundred years? A thousand? Or is it as old as man? I suppose that would depend upon what you mean. We might say that "insurance" was with us while man was just beginning to develop civilization. One family or tribe might feel that they would be helped if they helped to protect another family or tribe. In this way, both groups got what they needed-protection from enemies. Of course, you and I don't need that kind of protection today.
   3、那么“保险”到底有多久的历史?两百年?一千年?或者和人类历史一样长远?我认为问题将取决于你的问题的本意到底是什么。我们可以说,在人类开始发展自己的文明时,“保险”就与人类在一起了。一个家庭或者部落去帮助了另外一些家族或部落不受侵袭,他们认为自己也会得到帮助。这样,两个集体都得到了他们所需要的东西:防御敌人。当然,今天你我都不再需要这种保护。
   4. This system of trading services with each other has been with us for quite a while. The idea of an old age pension is certainly older than you might think. Today you think of social security or some other system. Most people who retire are still able to receive money that they have paid into the system during their working days. The idea of a reward for services like this is quite an old one. The trouble was that the reward was not always given to everyone, nor was it given to those who deserved it most.
   4、这个互相交易服务体系已经伴随我们相当一段时间了。关于老年退休金理念的产生比你想象的要早得多。今天,你想到社会保障系统或其它别的社会系统。大多数人退休后仍然能够拿到钱,这些钱是他们工作期间支付给社会保障系统的。这种给服务以回报的理念是很古老的。问题在于:报酬不是任何时候给每一个人,甚至不是给本身最应该得到这个报酬的人。
   5. What happened when man began to move into the cities from the farms? He found that he could no longer support himself by growing his own food. His children and relatives might move away to another city, and there might be no way of earning enough money. Perhaps because of this, the idea of social security and insurance developed. Now insurance companies are near the top of the list of the biggest business in the United States.
   5、当一个人从农村移居城市时会发生什么事?他发现,他用自己生产的食品养活自己的日子一去不复返。他的孩子和亲属可能搬往其它城市,但是那里可能没有办法赚到足够的钱。也许恰恰因为这些,社会安全和保险的思想发展了。如今,在美国,保险公司的名字正名列最大企业名单的榜首。