My earliest prototype used ascii characters for snakes and fruit. This had a problem - since terminal characters are twice as tall as they are wide, vertical movement felt much faster than horizontal movement:
Rank-1 linear, factorized embed, sparse gate, param-free norm
。Line官方版本下载对此有专业解读
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对险企来说，聚合风险最要命的不是单笔赔付，而是资本占用与再保承接能力被同时击穿。FT 也提到，市场担心出现多十亿级别系统性索赔，因此承保倾向会走向收紧甚至排除。