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瑞士再保险公司的研究表明保险公司近些年面临成本提升过快的难题，诉讼周期更长、律师费与专家费更高。而AI黑盒的广泛引用进一步放大了这一点，抬高了非标争议、算法审计、取证复杂度与专家证人的费用。于是每一次理赔都可能是一场关于边界与准则的司法辩论，保险公司的要先付出多少不可逆的辩护与审计成本。
。关于这个话题，旺商聊官方下载提供了深入分析
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// 核心逻辑：当前时间 上一个车队时间 → 无法合并，是新车队
const result = new Uint8Array(arrays.reduce((n, a) = n + a.length, 0));