"You are going to vouch for the safety of all the Romans? You must be insane, Appis. Pen, fun, pavilion www. biquge。 info No one is going to do this, the whole of Rome, except you will have this crazy idea. ”

In the insurance industry, when Apis first came up with the idea, Klein couldn't believe his ears because it was too crazy to be incredible. In Rome, commoners, and even nobles, were assassinated every day because of debt disputes. Once Appis's idea is implemented, the actual obstacles will be much more difficult than imagined.

However, in this regard, Apis has his own plans.

"Yes, the whole of Rome, except me, would have such crazy thoughts, but it is not impossible for me to succeed in this new industry. Insurance, for citizens to ensure their personal and property safety, and they must pay a certain deposit first, to do such a business, the most worrying is that someone knows that they are about to be assassinated, or the property is about to be in danger, and ask us for a guarantee in advance. Or someone deliberately goes into trouble with us, vouches for someone, and then assassinates that person, who is a relative of that person, or a secondary beneficiary of the coverage. I know you're worried, man. Therefore, before accepting a huge insurance policy, we must review the financial situation of the underwriter, make sure that he has no debt disputes, no enmity with others, no recent abnormal behavior, etc., after excluding these abnormal behaviors, we must confirm that it is normal business, and then we will underwrite them. As long as it is not a deliberate insurance fraud event, through the principle of probability, the industry can definitely develop and grow. ”

Apis spoke eloquently in front of Klein, the insurance industry, in ancient Rome, there was no special industry, at most some temporary government organizations, responsible for the issuance of funds to the families of seafarers after they were shipwrecked at sea. However, the idea of universal insurance, this project, has not yet been tried. Because in this era, there is no basis for probability, and people have not yet thought of the huge profit space behind this industry.

And the reason why Apis is only implementing this plan now, because Rome has only now entered a stage of relative peace, at least, the civil war is over, and other nobles, even if they think of the huge profits of this industry, they can't implement it systematically and comprehensively, because there are too many ruffians in Rome, they are like the later underworld, entrenched in the dense neighborhoods of the entire city of Rome, once the insurance business is rolled out, there will always be these people to make trouble, stir up, and this, Appis also has his own way of coping, a veteran. Yes, many of the Tenth Legion had already retired, and these veterans who had fought on the battlefield basically did not have suitable jobs after they retired, and Caesar did not have so much Roman land to give them, so most of the veterans after retiring were squandering their previous property at home, or starting their own small business, but most of them did not improve, and at this time, Appis hired these people to deal with the street ruffians, more than enough.

Coupled with the insecurity of people's property and lives in this era, this industry actually has a huge market demand in the Roman world at this time.

Twenty people's insurance money is used to pay for an accident, while the other people's insurance funds are actually pure profit. However, in terms of probability, the accident rate of 1 in 20 is already surprisingly high. All Apis needed was an initial investment, hiring thugs and investigators, and some reserves. When the business is carried out normally, the expenses can be paid directly with the profits.

"Probability? What is that? ”

Appis's explanation clearly made Klein a little confused, and his eyes widened and he looked surprised.

"To put it simply, let's take the person we want to vouch for as the six sides of the dice, each side represents a Roman citizen we want to vouch for, and then suppose that we roll the dice once to represent that one of them will have an accident, then, the probability of each of them having an accident, that is, the probability, is one in six, so well, let's say that the Roman citizen at six o'clock has an accident, then, we need to pay him three hundred dinars, but the other five have already paid five hundred dinars, soIn addition to these three hundred dinars, we also make a net profit of two hundred dinars, and this is the probability. I'm just giving you an example, and when this kind of business is fully rolled out, the profits we receive will be much higher than that. ”

Appis casually grabbed a dice on the table for betting, and explained it with this little thing, which is perhaps the simplest and most apt.

"Wisdom! This is great wisdom, brother, and you have an infinite imagination, but I have not discovered it before. It's such a marvelous thing that I'm sure even Caesar never thought of it. ”

After the simple explanation, Crane couldn't help but praise in surprise, and Apis's position in his eyes was a step higher. Moreover, Klein also knew that with the relationship between Appis and himself, after this business was done, it would definitely have its own benefits, at least, among the thugs who needed to be hired, there would definitely be their own share.

"No, no, there are some things, some methods, even if some people think of them, but they don't have the conditions to implement them, just like my idea, because my current status and financial resources allow me to do this, and if it is someone else, they don't have the ability to deal with this kind of risk."

Appis humbly explained.

A week later, twenty-five retired veterans of the former Tenth Legion, the Scout Cavalry, were recruited to the Apis Gate to take charge of the day-to-day affairs of Rome's first guarantor agency, including checking the guarantor's qualifications and loan history. And be ready to deal with those difficult street ruffians at any time.

"Appis, I heard you're setting up a guarantor? If I need financial support, I can ask my mother for this. ”

As the legal wife of Apis, Tertila asked about it with great concern, and Apis remembered Seville's previous interview with him, so he directly rejected Tertila's proposal, in fact, his own funds are also sufficient, his salary in the army over the years is combined, plus let those veterans to join the shares, the funds are more than enough. Don't owe the Brutus family a favor anymore.

"No, my wife, I've been thinking about it for a long time, and all the three years of Sekras and Klein's wages have gone to me for this business. I don't think you need to alarm your mother anymore, and I don't need to let Brutus know. ”

Appis faintly returned.