People from cultures with strict social norms tend to be less skilled at being funny. These findings suggest that the ability to generate humor is not just an inborn personality trait, but a skill heavily shaped by the social rules of the environment in which a person lives.

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因此，当风险从独立随机变成同源聚合，保险业只剩两条路：要么排除，要么把治理做进承保流程。

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