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\u4fe1\u4efb\u9700\u8981\u6e05\u6670\u7684\u6c9f\u901a\u624d\u80fd\u751f\u5b58<\/h3>\n\n

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\u884c\u4e3a\u7ecf\u6d4e\u5b66\u5bb6 Dan Ariey \u535a\u58eb<\/a> \u8bf4\uff0c\u4fdd\u5355\u7684\u590d\u6742\u6027\u662f\u4fdd\u9669\u4fe1\u4efb\u95ee\u9898\u7684\u4e00\u4e2a\u75c7\u72b6\u3002\u4e3a\u4e86\u51cf\u5c11\u5ba2\u6237\u5229\u7528\u5b83\u4eec\u7684\u673a\u4f1a\uff0c\u4fdd\u9669\u516c\u53f8\u5728\u4ed6\u4eec\u7684\u4fdd\u5355\u4e2d\u6dfb\u52a0\u4e86\u7ec6\u5219\uff0c\u65e8\u5728\u89e3\u51b3\u5c3d\u53ef\u80fd\u591a\u7684\u6f5c\u5728\u60c5\u51b5\u3002\n\u5ba2\u6237\u53d1\u73b0\u8fd9\u4e2a\u7ec6\u5219\u8ba9\u4eba\u4e0d\u77e5\u6240\u63aa\uff0c\u5e76\u5f97\u51fa\u7ed3\u8bba\u4fdd\u9669\u516c\u53f8\u8bd5\u56fe\u9690\u7792\u4ec0\u4e48\uff0c\u56e0\u6b64\u4ed6\u4eec\u5f00\u59cb\u8003\u8651\u7d22\u8d54\u989d\u5916\u8d44\u91d1\u7684\u65b9\u6cd5\u3002 <\/p>\n\n

\u4e0d\u4fe1\u4efb\u7684\u5faa\u73af\u4f1a\u81ea\u6211\u5ef6\u7eed\u3002\n\u6216\u8005\uff0c\u6b63\u5982 Willis Towers Watson<\/a> \u7684\u4e00\u4efd\u62a5\u544a\u6240\u8bf4\uff0c\u201c\u4e0d\u4fe1\u4efb\u4f1a\u6ecb\u751f\u4e0d\u5f53\u884c\u4e3a\uff0c\u4ece\u800c\u52a0\u5267\u4e0d\u4fe1\u4efb\u3002 <\/p>\n\n

\u4e3a\u4ec0\u4e48\u9f13\u52b1\u5ba2\u6237\u9605\u8bfb\u7ec6\u5219\u8fd8\u4e0d\u591f<\/h3>\n\n

\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u8bd5\u56fe\u901a\u8fc7\u5956\u52b1\u5ba2\u6237\u9605\u8bfb\u7ec6\u5219\u6765\u514b\u670d\u4ed6\u4eec\u5bf9\u7ec6\u5219\u7684\u6050\u60e7\u3002\n\u4f8b\u5982\uff0c\u4e00\u5bb6\u603b\u90e8\u4f4d\u4e8e\u4f5b\u7f57\u91cc\u8fbe\u5dde\u7684\u65c5\u884c\u4fdd\u9669\u516c\u53f8\u5728\u5176\u7ec6\u5219\u4e2d\u63d2\u5165\u4e86 10,000 \u7f8e\u5143\u7684\u6bd4\u8d5b\u5956\u91d1;\u636e\u300a\u4eca\u65e5\u7f8e\u56fd\u300b\u7684 Josh Hafner<\/a> \u62a5\u9053\uff0c\u5728\u5ba2\u6237\u6700\u7ec8\u9605\u8bfb\u6574\u4efd\u4fdd\u5355\u5e76\u9886\u53d6\u5956\u54c1\u4e4b\u524d\uff0c\u5171\u7b7e\u53d1\u4e86 73 \u4efd\u4fdd\u5355\u3002 <\/p>\n\n

\u9690\u85cf\u7684\u5956\u54c1\u53ef\u80fd\u4f1a\u9f13\u52b1\u9605\u8bfb\u7ec6\u5219\uff0c\u4f46\u5b83\u4eec\u4e0d\u4e00\u5b9a\u80fd\u5efa\u7acb\u4fe1\u4efb\u3002\n\u5728\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u4e0d\u4ec5\u5ba2\u6237\u6ca1\u6709\u9605\u8bfb\u4ed6\u4eec\u7684\u653f\u7b56\uff0c\u800c\u4e14\u4fdd\u9669\u4ee3\u7406\u3001\u7ecf\u7eaa\u4eba\u548c\u5176\u4ed6\u4e13\u4e1a\u4eba\u58eb\u4e5f\u4e0d\u9605\u8bfb\u5b83\u4eec\uff0c\u7f8e\u56fd\u72ec\u7acb\u4fdd\u9669\u4ee3\u7406\u548c\u7ecf\u7eaa\u4eba\u7684\u9000\u4f11\u526f\u603b\u88c1 William C. Wilson\uff0c Jr.<\/a>\u8bf4\u3002 <\/p>\n\n

\u7814\u7a76\u5458 Oyvind Kvalnes<\/a> \u5728\u300a\u5546\u4e1a\u9053\u5fb7\u6742\u5fd7\u300b\u4e0a\u8868\u793a\uff0c\u5f53\u7ec6\u5219\u9875\u9762\u6ca1\u6709\u88ab\u9605\u8bfb\u65f6\uff0c\u53ef\u80fd\u4f1a\u51fa\u73b0\u9053\u5fb7\u95ee\u9898\u548c\u5b9e\u9645\u95ee\u9898\u3002\n\u4e3a\u4e86\u4fdd\u6301\u5ba2\u6237\u5fe0\u8bda\u5ea6\u5e76\u907f\u514d\u6cd5\u5f8b\u6216\u9053\u5fb7\u6ce5\u6f6d\uff0c\u4fdd\u9669\u5355\u9700\u8981\u66f4\u52a0\u6e05\u6670\u548c\u900f\u660e\u3002 <\/p>\n\n

\"\"<\/figure>\n\n

\u63d0\u9ad8\u4fdd\u9669\u900f\u660e\u5ea6\u7684\u5546\u4e1a\u6848\u4f8b<\/h2>\n\n

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\u53cc\u5411\u900f\u660e\u5ea6\u4f3c\u4e4e\u8fd8\u53ef\u4ee5\u63d0\u9ad8\u5ba2\u6237\u6ee1\u610f\u5ea6\u548c\u670d\u52a1\u8d28\u91cf\uff0c\u81f3\u5c11\u5728\u67d0\u4e9b\u884c\u4e1a\u662f\u8fd9\u6837\u3002\n\u4f8b\u5982\uff0c\u300a\u54c8\u4f5b\u5546\u4e1a\u8bc4\u8bba\u300b\u4e0a\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u5f53\u9910\u5385\u7684\u53a8\u5e08\u548c\u98df\u5ba2\u53ef\u4ee5\u770b\u5230\u5f7c\u6b64\u65f6\uff0c\u53a8\u5e08\u7684\u670d\u52a1\u901f\u5ea6\u63d0\u9ad8\u4e86 13.2%\uff0c\u98df\u5ba2\u7684\u6ee1\u610f\u5ea6\u63d0\u9ad8\u4e86 17.3%\u3002\n\u201c\u5ba2\u6237\u548c\u63d0\u4f9b\u5546\u4e4b\u95f4\u7684\u900f\u660e\u5ea6\u4f3c\u4e4e\u786e\u5b9e\u6539\u5584\u4e86\u670d\u52a1\uff0c\u201d\u8be5\u7814\u7a76\u7684\u4f5c\u8005\u4e4b\u4e00\u3001\u54c8\u4f5b\u5546\u5b66\u9662\u52a9\u7406\u6559\u6388 Ryan W. Buell<\/a> \u6307\u51fa\u3002 <\/p>\n\n

Waffle \u7684\u8054\u5408\u521b\u59cb\u4eba\u517c\u9996\u5e2d\u6267\u884c\u5b98 Quentin Coolen<\/a> \u8868\u793a\uff0c\u5f53\u4fdd\u9669\u79d1\u6280\u521d\u521b\u516c\u53f8 Waffle \u8be2\u95ee\u4fdd\u9669\u5ba2\u6237\u4ed6\u4eec\u7406\u60f3\u7684\u4fdd\u9669\u4f53\u9a8c\u4f1a\u662f\u4ec0\u4e48\u6837\u5b50\u65f6\uff0c\u5ba2\u6237\u7684\u56de\u7b54\u96c6\u4e2d\u5728\u900f\u660e\u5ea6\u4e0a\u3002\n\u5177\u4f53\u6765\u8bf4\uff0c\u5ba2\u6237\u9700\u8981\u6613\u4e8e\u7406\u89e3\u7684\u7b56\u7565\u3002\n\u4ed6\u4eec\u4e0d\u60f3\u8d39\u529b\u5730\u7a7f\u8fc7\u4e00\u5806\u6392\u65a5\u3002\n\u5f53\u6536\u5230\u7d22\u8d54\u65f6\uff0c\u4ed6\u4eec\u5e0c\u671b\u80fd\u591f\u7528\u81ea\u5df1\u80fd\u7406\u89e3\u7684\u8bed\u8a00\u4e0e\u4fdd\u9669\u516c\u53f8\u4ea4\u8c08\u3002 <\/p>\n\n

\u5e78\u8fd0\u7684\u662f\uff0c\u6709\u4e00\u4e9b\u5de5\u5177\u53ef\u4ee5\u5e2e\u52a9\u4fdd\u9669\u516c\u53f8\u6ee1\u8db3\u5ba2\u6237\u5bf9\u4fdd\u9669\u6c9f\u901a\u548c\u900f\u660e\u5ea6\u7684\u671f\u671b\u3002<\/p>\n\n

\"\"<\/figure>\n\n

\u4f7f\u7528\u6280\u672f\u5de5\u5177\u5efa\u7acb\u900f\u660e\u5ea6<\/h2>\n\n

\u5f53\u4eca\u7684\u6280\u672f\u4f7f\u5ba2\u6237\u6bd4\u4ee5\u5f80\u4efb\u4f55\u65f6\u5019\u90fd\u66f4\u5bb9\u6613\u67e5\u627e\u6709\u5173\u5404\u79cd\u4e1a\u52a1\u548c\u884c\u4e1a\u7684\u4fe1\u606f\uff0c\u4ece\u800c\u589e\u52a0\u4e86\u5ba2\u6237\u5bf9\u900f\u660e\u5ea6\u7684\u9700\u6c42\u3002\n\u6539\u53d8\u5ba2\u6237\u5bf9\u900f\u660e\u5ea6\u671f\u671b\u7684\u76f8\u540c\u5de5\u5177\u4e5f\u53ef\u7528\u4e8e\u6ee1\u8db3\u8fd9\u4e9b\u9700\u6c42\u3002 <\/p>\n\n

\u901a\u8fc7\u65e0\u7f1d\u7684\u4fe1\u606f\u4ea4\u4ed8\u51cf\u5c11\u7ec6\u5219<\/h3>\n\n

FAIR Health \u603b\u88c1 Robin Gelburd<\/a> \u5199\u9053\uff0c\u5728\u5065\u5eb7\u4fdd\u9669\u9886\u57df\uff0c\u63a8\u52a8\u901a\u7528\u6570\u636e\u5e73\u53f0\u589e\u52a0\u4fdd\u9669\u900f\u660e\u5ea6\u7684\u5de5\u4f5c\u5df2\u7ecf\u5728\u8fdb\u884c\u4e2d\uff0c\u4ef7\u683c\u900f\u660e\u5ea6\u5df2\u6210\u4e3a\u5168\u56fd\u5173\u6ce8\u7684\u95ee\u9898\u3002<\/p>\n\n

\u201c\u900f\u660e\u5ea6\u6d89\u53ca\u5c06\u6570\u636e\u4ece\u4ed8\u6b3e\u4eba\u6216\u63d0\u4f9b\u5546\u79fb\u52a8\u5230\u6d88\u8d39\u8005\u548c\u5176\u4ed6\u4eba\u53ef\u4ee5\u8bbf\u95ee\u7684\u5e73\u53f0\u4e0a\uff0c\u201d\u4ed6\u89e3\u91ca\u8bf4\u3002\n\u5f53\u5ba2\u6237\u80fd\u591f\u8f7b\u677e\u8bbf\u95ee\u548c\u7406\u89e3\u4fdd\u9669\u4fe1\u606f\u65f6\uff0c\u4ed6\u4eec\u66f4\u6709\u53ef\u80fd\u4fe1\u4efb\u5176\u6765\u6e90\uff1a\u4ed6\u4eec\u7684\u4fdd\u9669\u516c\u53f8\u3002 <\/p>\n\n

\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u5df2\u7ecf\u5728\u5229\u7528\u6570\u5b57\u5de5\u5177\u6765\u63d0\u9ad8\u5ba2\u6237\u9605\u8bfb\u548c\u7406\u89e3\u5176\u4fdd\u5355\u7684\u80fd\u529b\u3002\n\u4f8b\u5982\uff0c\u4f2f\u514b\u5e0c\u5c14\u54c8\u6492\u97e6\u516c\u53f8\u6700\u8fd1\u53d1\u5e03\u4e86\u4e00\u9879\u5c0f\u4f01\u4e1a\u4fdd\u5355\uff0c\u8be5\u4fdd\u5355\u7ed3\u5408\u4e86\u5de5\u4f24\u8d54\u507f\u3001\u5404\u79cd\u5f62\u5f0f\u7684\u8d23\u4efb\u3001\u8d22\u4ea7\u548c\u8f66\u8f86\u7684\u4fdd\u9669\u3002\n\u8be5\u4fdd\u5355\u88ab\u547d\u540d\u4e3a\u201cTHREE\u201d\uff0c\u56e0\u4e3a\u5b83\u7684\u7ec6\u5219\u6b63\u597d\u6709\u4e09\u9875\u957f\uff0cCoverager \u7684Avi Ben-Hutta<\/a> \u5199\u9053\u3002 <\/p>\n\n

\u867d\u7136 THREE \u56e0\u5176\u7b80\u5355\u6027\u800c\u83b7\u5f97\u4e86\u4e00\u4e9b\u8d5e\u8a89\uff0c\u4f46\u5b83\u4e5f\u56e0\u540c\u6837\u7684\u539f\u56e0\u800c\u53d7\u5230\u6279\u8bc4\u3002\n\u4f8b\u5982\uff0cTHREE \u4e0d\u5305\u542b\u80cc\u4e66\u9009\u9879\uff0c\u7f8e\u56fd\u72ec\u7acb\u4fdd\u9669\u4ee3\u7406\u4eba\u548c\u7ecf\u7eaa\u4eba Big I \u865a\u62df\u5927\u5b66\u6267\u884c\u8463\u4e8b Christopher J. Boggs<\/a> \u6307\u51fa\u3002\n\u201c\u80cc\u4e66\u7684\u5b58\u5728\u662f\u4e3a\u4e86\u5141\u8bb8\u88ab\u4fdd\u9669\u4eba\u5b9a\u5236\u4fdd\u5355\u4ee5\u6ee1\u8db3\u5176\u72ec\u7279\u7684\u98ce\u9669\u3002\u5982\u679c\u6ca1\u6709\u5b9a\u5236\u80fd\u529b\uff0c\u88ab\u4fdd\u9669\u4eba\u5c31\u4f1a\u9677\u5165\u4e0d\u5408\u9002\u7684\u9009\u62e9\u2014\u2014\u7279\u522b\u662f\u5982\u679c\u8fd9\u4e2a\u4fdd\u5355\u662f\u88ab\u9009\u4e2d\u7684\u9009\u9879\uff0c\u201c\u4ed6\u89e3\u91ca\u8bf4\u3002 <\/p>\n\n

\u867d\u7136 THREE \u5145\u5206\u5229\u7528\u4e86\u5176\u4e09\u9875\u7684\u5927\u5c0f\uff0c\u4f46\u4ee5\u6570\u5b57\u65b9\u5f0f\u4ea4\u4ed8\u7684\u4fdd\u5355\u5e76\u4e0d\u50cf\u4ee5\u524d\u90a3\u6837\u53d7\u5230\u9875\u6570\u7684\u9650\u5236\u3002\n\u5f53\u4fe1\u606f\u4ee5\u6570\u5b57\u65b9\u5f0f\u5448\u73b0\u65f6\uff0c\u53ef\u4ee5\u6dfb\u52a0\u80cc\u4e66\u4ee5\u81ea\u5b9a\u4e49\u7b56\u7565\uff0c\u800c\u4e0d\u4f1a\u8ba9\u8bfb\u8005\u4e0d\u77e5\u6240\u63aa\u2014\u2014\u524d\u63d0\u662f\u5b83\u4eec\u4ee5\u901a\u4fd7\u6613\u61c2\u7684\u8bed\u8a00\u5448\u73b0\uff0c\u5e76\u4ee5\u7ecf\u8fc7\u6df1\u601d\u719f\u8651\u7684\u5bfc\u822a\u65b9\u5f0f\u5448\u73b0\u3002 <\/p>\n\n

\u8fde\u63a5\u6570\u5b57\u70b9\uff1a\u900f\u660e\u5ea6\u3001\u4e2a\u6027\u5316\u548c\u5b89\u5168\u6027<\/h3>\n\n

\u4fdd\u9669\u900f\u660e\u5ea6\u7684\u63d0\u9ad8\u4e3a\u589e\u52a0\u7684\u4e2a\u6027\u5316\u63d0\u4f9b\u4e86\u81ea\u7136\u7684\u8865\u5145\uff0c\u8fd9\u662f\u53e6\u4e00\u4e2a\u4e0d\u65ad\u589e\u957f\u7684\u5ba2\u6237\u9700\u6c42\u3002<\/p>\n\n

\u57c3\u68ee\u54f2\u5168\u7403\u94f6\u884c\u4e1a\u52a1\u9ad8\u7ea7\u8463\u4e8b\u603b\u7ecf\u7406 Alan McIntyre<\/a> \u8868\u793a\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u501f\u9274\u94f6\u884c\u7684\u505a\u6cd5\uff0c\u94f6\u884c\u5229\u7528\u5ba2\u6237\u5171\u4eab\u4e2a\u4eba\u6570\u636e\u7684\u610f\u613f\u6765\u63d0\u4f9b\u4e2a\u6027\u5316\u670d\u52a1\u5e76\u5efa\u7acb\u4fe1\u4efb\u3002\n\u5927\u7ea6 60% \u7684\u94f6\u884c\u5ba2\u6237\u613f\u610f\u5206\u4eab\u66f4\u591a\u4e2a\u4eba\u6570\u636e\uff0c\u5982\u679c\u8fd9\u610f\u5473\u7740\u66f4\u4e2a\u6027\u5316\u7684\u670d\u52a1\u548c\u6539\u8fdb\u7684\u6761\u6b3e\u3002 <\/p>\n\n

\u4f46\u662f\uff0c\u4f7f\u7528\u4e2a\u6027\u5316\u6765\u5efa\u7acb\u4fe1\u4efb\u7684\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u5f3a\u8c03\u5ba2\u6237\u6570\u636e\u9690\u79c1\u548c\u5b89\u5168\u6027\u3002\n\u57c3\u68ee\u54f2\u5bf9 900 \u5bb6\u516c\u53f8\u8fdb\u884c\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u5931\u53bb\u4fe1\u4efb\u662f\u8fd1\u4e00\u534a\u7684\u53d7\u8bbf\u8005\u8f6c\u5411\u7ade\u4e89\u5bf9\u624b\u670d\u52a1\u7684\u539f\u56e0\uff0c\u8be5\u7814\u7a76\u7684\u4f5c\u8005 Piercarlo Gera\u3001Alan McIntyre \u548c Erik Sandquist<\/a> \u8868\u793a\u3002 <\/p>\n\n

\u5728\u63a5\u53d7\u8c03\u67e5\u7684 7,000 \u5bb6\u516c\u53f8\u4e2d\uff0c\u5927\u7ea6 900 \u5bb6\u7684\u5ba2\u6237\u4fe1\u4efb\u5ea6\u5927\u5e45\u4e0b\u964d\u3002\n\u4e24\u5e74\u591a\u6765\uff0c\u8fd9\u4e9b\u516c\u53f8\u56e0\u6b64\u635f\u5931\u4e86\u5927\u7ea6 1800 \u4ebf\u7f8e\u5143\u7684\u6536\u5165\uff0c\u57c3\u68ee\u54f2\u7684 Brian Eggers<\/a> \u548c\u5176\u4ed6\u7814\u7a76\u4eba\u5458\u8bf4\u3002 <\/p>\n\n

\u5f53\u4fdd\u9669\u516c\u53f8\u8ba4\u771f\u5bf9\u5f85\u6570\u636e\u5b89\u5168\u5e76\u5bf9\u5176\u5b89\u5168\u6d41\u7a0b\u4fdd\u6301\u900f\u660e\u65f6\uff0c\u5ba2\u6237\u5728\u4e0e\u4fdd\u9669\u516c\u53f8\u4e92\u52a8\u65f6\u5c31\u4f1a\u83b7\u5f97\u989d\u5916\u7684\u4fe1\u5fc3\u3002\n\u4ed6\u4eec\u77e5\u9053\u4e2a\u6027\u5316\u53ef\u80fd\u4f1a\u4f7f\u4ed6\u4eec\u7684\u4fdd\u5355\u7ec6\u5219\u66f4\u957f\u4e00\u4e9b\uff0c\u4f46\u4ed6\u4eec\u660e\u767d\u4e3a\u4ec0\u4e48\u4ed6\u4eec\u9700\u8981\u505a\u66f4\u591a\u7684\u9605\u8bfb\u5de5\u4f5c\u3002\n\u4ed6\u4eec\u4e5f\u66f4\u613f\u610f\u63d0\u4f9b\u521b\u5efa\u91cf\u8eab\u5b9a\u5236\u7684\u6709\u6548\u4fdd\u9669\u6240\u9700\u7684\u4fe1\u606f\u3002 <\/p>\n\n

\u56fe\u7247\u63d0\u4f9b\uff1aDmitrii Shironosov\/\u00a9123RF.com\uff0c Aleksandr Davydov\/\u00a9123RF.com\uff0c everythingpossible\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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