Less Risk

無與倫比、傳奇指標、離經叛道的──艾瑞絲．埃普菲爾 IRIS APFEL1921.8.29-2024.3.1「More is more and less is a bore.（多即是好，少很無聊！）」時尚不只是穿衣風格，而是一種人生態度──這是艾瑞絲・埃普菲爾（Iris Apfel, 1921–2024）一生的實踐與宣言。世界上最老的年輕人，在全球熱搜高度十分火紅的高齡102歲時尚阿嬤艾瑞絲．埃普菲爾在2024年3月1日告別了人世，但她留下來的思想與視覺遺產，使恭逢其盛世的我輩深獲啟發且受益無窮。她對時尚那種鮮明果敢無畏的詮釋深植你我心中，見過一次永生難忘。2023年夏天，在迎接102歲生日之際，她拿起紙筆，開始了她的傳世之書寫作計畫。本書收錄超過三百張私人照片，以及來自舊世界織工檔案匣從未公開過的美麗布料。艾瑞絲那令人讚嘆的充沛精力躍然紙上，娓娓道來她的創意作品、冒險經歷，以及她那堅定不移的信念：色彩與創意是美好人生不可或缺的元素。本書集萃艾瑞絲人生哲學精鑰，分享這位永恆時尚明星為何隨年紀增加，從不被潮流擊退，反而更受歡迎，始終走在時代尖端的祕密！──她做到了凡人你我無法做到的境界：忠於做自己！以六大主題揭示她的時尚觀與人生哲學，結合繽紛視覺設計與生動敘述，描繪她如何透過色彩、圖案與材質表達自我，並闡述風格背後的深層價值──穿衣是一種自我理解與世界溝通的方式。這不僅是一本風格誌，更是一則激勵人心的生命故事，鼓舞讀者思考：我能否活出獨一無二的自己？我，能否也成為經典？【本書特色】1．創意靈感的繆斯：全書充滿艾瑞絲•埃普菲爾各種創意、多彩、大膽的穿搭，既時髦又新鮮，炸表的意想不到，瘋狂到令人耳目一新，帶來視覺刺激與創意靈感。2．每一頁版面設計本身就是一頁藝術品：每一頁都採用艾瑞絲自己的各種古董收藏品元素編排。3．時尚界最特立獨行、穿搭最吸睛的百歲設計師兼偶像：老老少少最好的典範，你可以老但老得很優雅，毋需拷貝不必擔憂，每個年紀都有每個年紀的特有風格。4．「時尚」不只是一種美學，而是展現你看待自己和看待這世界的觀點：這輩子你只有一趟旅程，大膽無懼地表現自己吧，開發你的特質並傳播出去，享受吧。5．活到百歲的熱愛工作狂人，最強大的能量體：一本跨類心靈勵志書，其形式歸類於視覺藝術時尚領域，內容卻無比勵志。所有讀者都會對艾瑞絲•埃普菲爾「有態度的」生命哲學，產生敬意並起而傚之，

德國工業設計之父，二十世紀最有影響力的設計師本書為台灣第一本Dieter Rams專書，277個經典設計，302幅彩色照片長達73年的永恒設計「Dieter Rams：對Apple深具影響的傳奇設計師。」——CNN「Rams的作品及帶給我們的啟發，稱得上是設計之本。」——Jony Ive，前蘋果首席設計長此作品全集與Rams本人密切合作，是了解Rams，這位史上對後世影響最深遠的產品設計師之終極參考書。六十多年來，Rams為世界上最受歡迎的消費品定義了外觀、感覺和功能。他將「好設計十原則」做為一種理念和實踐，以更全面、更負責任的方式讓這個領域變得更好，也讓他建立了享譽全球的聲名。這本書是Rams一生中所有設計產品的詳細目錄，是對他在工業和產品設計領域開創性貢獻的真正紀念。書中包括302幅彩色照片，按時間順序編排，且每件產品都附有說明和規格明細。Dieter Rams是德國著名的工業設計大師，1932年出生於德國威斯巴登，1947年，進入威斯巴登藝術學院（Werkkunstschule Wiesbaden）攻讀建築和室內設計。1955年，投身德國家電企業Braun，隔年開啟與家具品牌Vitsoe合作的契機，1961年成為Braun首席設計師，1981年受聘為漢堡設計學院教授。他領導百靈設計部門超過三十年，產品橫跨咖啡機、電腦、收音機、視聽設備、家電產品與辦公室用品，經典作品如留聲機SK-4、D系列幻燈片投影機、RZ57模組化家具系統、606通用貨架等，為世界各地博物館收藏。“Less, but better” （少，卻更好）是Rams一生追求的設計理念，可謂當代極簡主義和新功能主義的設計大家，與日本最重要的工業設計師、GK 設計集團創辦人榮久庵憲司志同道合。拉姆斯認為好設計是創新的、實用的、具美學價值的、簡單明瞭的、不突兀炫耀的、克制的、經久耐用的、周密的、環保的、愈簡單愈好的；他提出的好設計十原則，被奉為設計最高準則和美學典範，強調功能、以實用為核心，乾淨俐落、簡約優雅的設計，對前蘋果首席設計師Jony Ive、深澤直人都有著深遠的影響。德國20世紀中後期的工業設計，給予21世紀成功電子產品一個無可取代的靈感來源，而Rams顯然是最重要的靈魂人物。本書堪稱Rams的設計生涯全紀錄，以五大時序呈現，從1947年的手繪草圖拉開序幕，到2020年最新一版的606通用貨架，

近期以來，由於新冠疫情、烏俄戰爭、通貨膨脹等因素干擾，使得全球經濟面臨衰退現象，加上我國壽險業國外投資比率偏高，造成資產減損、淨值萎縮財務衝擊。因此，如何化解危機已成為保險業當前之重要課題。 為因應上述政經環境改變，本書三版對國內因新冠肺炎防疫保單引發之爭議、保險經紀人代理人之監管、保險商品透過「銀行保險」行銷通路之興起、再保險業務之監管、國際會計準則之分析、資金運用國外投資之限制、公司治理之落實等，作為修正之重點。 本書重視理論、實務分析，以寬闊視野為基礎，就保險基本原則與法律條文配合呼應，並結合相關之經濟學、統計學、會計學、管理學等，以各個學科角度，對保險加以深入探討，俾便讀者完整瞭解「保險學」經營與監管之特色。 風險（risk) 一般係指永遠有機會發生意想不到的事。自古以來，人類在沒有風險機率的概念下，認為一切事故的發生，都是神的旨意，但自印度的阿拉伯數字流傳世界各地以後，人們開始檢視賭局與人類活動中的規律性，並企圖掌控過程，可惜的是，因為有太多的事是我們所不知道的，因此轉而以更謙虛的心，承認「不確定性」的存在。因為1921年美國經濟學 家富蘭克．H．奈特（Frank H.Knight）曾告誡大眾，「經濟學家的知識是有限的」，其預測的失誤是不可避免的，因為經濟學更確地說，它是理論經濟學，它享有科學的殊榮，但也有科學的局限性。 從現代人的角度看，風險也可說是一種選擇，跟命運無關，與賭博不同。在保險學裡，「風險」指的是「損失的不確定性」，因為我們永遠都有意想不到的事情會發生，從出遊會不會遇到壞天氣或遭遇意外事故，到股票投資等等，問題或大或小，都和風險有關。 解決風險最有效的辦法，就是保險，十七世紀英國女王伊麗莎白一世 （Elizabeth I）曾於莎士比亞的戲劇「威尼斯商人」演出後頒布法令，明文規定：「保險係少數人之重大損失，由多數人輕微分擔的一種制度」，可見她對 保險的重視，進而促使英國成為今日全球的保險重心，並引以為傲。 保險的核心價值在提供保障，十九世紀英國哲學家傑瑞米．邊沁 （Jeremy Bentham）所提「效益主義」（Utilitarianism) 將人類的痛苦與快樂，藉著理性與法律的手，創造幸福人生。他在考慮買賣時，更把重心放在「心理因素」，並朝向抽象的領域發展，宣稱「價值決定於效用，效用會隨著一個人已經擁有的商品數量而改變」，換句話說，世間任何事

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