冬夜的伦敦,充满潮湿的空气使道路发粘,飘绕于所有物体周围且又懒散的雾使街头煤气灯看起来更亮,灯火辉煌的店铺更加富丽堂皇,在位于商业中心的皇家交易所内的餐厅,窗帘紧拉凑着,餐桌上溢出的热腾香气,使饥饿的行路人顿生思乡之情。卡斯伯特·文登·希斯,一个年轻的劳合社承保人,正在餐厅内用餐,而他吃饭的同时却在考虑自己的事业…… 时至1880年,英王成为印度国王,英国各个经济领域都有着突飞猛进的发展,但劳合社的承保做法仍是一百多年以前的做法,显得滞重无趣,僵硬死板,希斯觉得应该给它服用一帖兴奋剂,让它括跃起来,但问题是希斯自己人微言轻无法在劳合社产生重大影响,他打电话给他的父亲想和他商谈此事,艾登的父亲是一家保险联合会的董事长,这种联合会主要经营火灾保险业务并且是非保险体制成员,它不受保险业管理条例约束,只是根据自己规定作些规模较小的保险项目的单干户,其父也非常想与著名的劳合社或与保险体制成员发生分保关系,否则也有可能会威胁到联合会的生存。有鉴于此,其父说道: “你的想法很现实,但实际做起来却很费劲,多少人有良好的愿望却得不到良好的报答,流尽英雄热泪,希望你能慎重”。 希斯答道:“我已有十多年的承保经验,具有完备的知识, Winter night in London, the humid air makes the road sticky, floating around all the objects and the lazy fog makes the street gas lamp look brighter, more glittering shops more magnificent, located in the Royal Exchange Center commercial The restaurant, the curtains pulled tight, the table overflowing hot aroma, so hungry way people suddenly homesickness. Cuthbert Wenden Heath, a young Lloyd’s underwriter, is dining in the dining room while he is eating and contemplating his own career ... By 1880, the King became the King of India and the United Kingdom Despite the rapid economic development, the Lloyd’s underwriting practice is still more than 100 years old. It appears to be stubborn and stiff. Heath thinks that it should be given a stimulant to cover it. However, the problem was that Hisz, who was a mere member of the staff, could not make any significant difference in the Lloyd’s. He called his father to discuss the matter with him. Aiden’s father was the chairman of an insurance association that operates mainly Fire insurance business and a member of the non-insurance system. It is not subject to the insurance industry regulations. It is only a small-sum insurance company under its own rules. The parent also wants to work with a famous Lloyd’s or a member of the insurance system Reinsurance relations occur, or they may also threaten the survival of the Federation. In view of this, his father said: “Your idea is very realistic, but in fact it is very strenuous to do it, how many people have a good desire but not good repayment, shed heroes tears, I hope you can be cautious.” Heath replied: "I have more than 10 years of underwriting experience, with complete knowledge,