And four, while providing only trivial loss reserves against the inevitable losses.
第四，为应对必然发生的坏账提供少之又少的准备金。
英语百科
Loss reserving
（重定向自Loss reserve）
Loss reserving or outstanding claims reserves refers to the calculation of the required reserves for a tranche of general insurance business.
Typically, the claims reserves represent the money which should be held by the insurer so as to be able to meet all future claims arising from policies currently in force and policies written in the past.