2025年事实上已经是保单大重写之年；而从2026年开始，企业会逐步发现，自己买到的不是一张覆盖一切的AI风险保单，而是一张更窄、更贵、且附带更多前置条件的可承保风险。本文关心的不是保险公司如何用AI提效，而是反过来，AI如何重写保险的经营范式。风险从可分散变成同源聚合，黑箱把成本先推到辩护费用，责任链条在供应链里漂移。保险会从概率生意走向治理生意，定价权会从精算迁移到审计与红队证据链。
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Lovell was assigned to an aircraft carrier group flying Banshee jets off ships at night. It was a white-knuckle, high-wire business fit only for daredevils. But for Lovell, it was not enough.
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This algorithm attempts to minimise numerically. Because of this, the quality of the dither produced by Knoll’s algorithm is much higher than any other of the N-candidate methods we have covered so far. It is also the slowest however, as it requires a greater per-pixel to be really effective. More details are given in Knoll’s now expired patent[3]. I have put together a GPU implementation of Knoll’s algorithm on Shadertoy here.