这些政策变化，本质上是在为一种新的生活方式创造制度空间。当水域管理、泊位建设、跨区域航行审批逐步放松，游艇才可能真正从少数人的奢侈品，转变为更广泛人群的休闲选项。
Moment of introspection aside, I’m not sure what the future holds for agents and generative AI. My use of agents has proven to have significant utility (for myself at the least) and I have more-than-enough high-impact projects in the pipeline to occupy me for a few months. Although certainly I will use LLMs more for coding apps which benefit from this optimization, that doesn’t imply I will use LLMs more elsewhere: I still don’t use LLMs for writing — in fact I have intentionally made my writing voice more sardonic to specifically fend off AI accusations.
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这也是为什么2025年会成为商业保险的大重写之年。模板条款一旦确定，承保流程就会系统更新，问卷会追问企业把生成式AI用在何处、谁负责治理、是否做红队、是否有监控与日志；除外责任会变得更硬；子限额与免赔会围绕治理证据链重新定价。标准化的意义不只在于更严，而在于它把责任边界从个别公司各写各的升级为行业模板。进入模板时代，企业很难再用没注意到来逃避治理。要么承认暴露并把它买回来，要么用可验证控制把它变成可承保风险。