在汽车保险方面，Root表示，他们平均每月为客户节省109美元。
and in auto insurance Root says that they save, on average, $109 a month for their customers.
所以Root改变了这一点。他们不会服务糟糕的司机，这基于技术，主要是远程信息处理。他们只服务好司机，当技术变得更好时，他们可以为所有人降低价格。
So Root changed that. They're not going to serve the bad drivers, and it's based on technology, telematics mostly. They're going to serve only the good drivers, and when the technology gets better, they can lower prices for everyone.
如果你是一个好司机，你不必为保险支付很多钱，因为你不太可能遇到事故。所以Root的技术越好，它就能为客户节省更多的钱。
If you're a good driver, you don't have to pay a lot for insurance because you're very unlikely to meet with an accident. So the better the technology gets for Root, the more it can save money for its customers.
dLocal也一样，Root也一样。他们不会做会亏钱的事情。
Same for dLocal, same for Root. They are not doing something where they're going to lose money.
但他们与Root不同。对他们来说，并不是真正的技术。而是直接向客户销售，而不是通过代理商。但Root正在进入代理商，他们也有直接面向客户，还有嵌入式。所以他们有不同类型。
But they were different from Root. It was not really technology for them. It was selling direct to customer instead of going through the agents. But Root is going into agents, and they also have direct to customer, and they also have embedded. So they have different types.