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In 1982, a British insurance broker named Doug Milne set out in search of new markets.
1982年，一位名叫道格·米爾恩的英國保險經紀人開始尋找新的市場。
His speciality was kidnapping and ransom insurance, known in the industry as K&R.
他的專長是綁架和贖金保險，在業內被稱為“K&R”。
Milne enrolled in a Spanish-language course in London,
米爾恩在倫敦參加了一個西班牙語課程，
and a month later, with rudimentary skills and only one or two solid contacts on the ground, he boarded a flight to Bogota.
一個月后，他掌握了基本的技能，在只有一兩位可靠聯系人的情況下，乘飛機前往了波哥大。
On his first day in the Colombian capital, Milne was walking to a meeting with a potential client when, he recalled,
在他去哥倫比亞首都的第一天，米爾恩和一位潛在的客戶去參加會議，據他回憶，
“a guy pulled up alongside and this chap who was walking in front of me, his head just exploded”.
“當時一個人在旁邊停下車，然后走在我前面的家伙就被爆頭了。”
It was a drive-by assassination. Milne cancelled the meeting and spent the afternoon in a bar near Bogota’s entertainment district.
那是一次駕車刺殺。米爾恩取消了那次會議，并在波哥大娛樂區附近的一家酒吧度過了一個下午。
“I missed my meeting and I think I left there about 11pm after having drunk a couple of flagons of Tres Esquinas rum,” Milne told me.
米爾恩告訴我，“我錯過了我的會議，在喝了幾大瓶特雷斯·埃斯奎納斯朗姆酒之后，我在晚上11點左右離開了那里。”
He was, of course, horrified. But he also realised that he’d come to the right place.
當然，他嚇壞了。但他也意識到他來對地方了。
While he knew nothing about the victim or the motive,
雖然他對受害者和動機一無所知，
the murder drove home to him the extent to which Colombian society was at the mercy of criminals and guerillas.
但是這起謀殺案使他清楚地認識到，哥倫比亞社會在多大程度上受到罪犯和游擊隊的支配。
His clients needed what he had to offer.
他的客戶想要他提供的東西。
Kidnapping and ransom insurance was created in the 1930s,
綁架和贖金保險創立于20世紀30年代，
but it wasn’t until the 60s that it began to really catch on, following a spate of kidnappings in Europe by groups such as Eta in Spain,
但是它直到60年代才開始變得流行起來，因為一些組織在歐洲發起了一連串綁架事件，比如西班牙的埃塔組織，
the Red Army Faction in Germany and the Red Brigades in Italy.
德國的紅軍派和意大利的紅軍旅。
The appeal was simple: in the event of a kidnapping, the insurance would provide reimbursement for ransom payment.
他們的訴求很簡單：發生綁架事件時，保險公司會提供贖金補償。
There were caveats to prevent fraud and to ensure that the existence of the policy did not actually increase the risk of kidnapping.
還有一些防止欺詐的警告，并確保該政策的存在不會實際上增加綁架的風險。
The first was that the policy had to be kept secret.
首先，這項政策必須保密。
In fact, it could be voided if its existence became public.
事實上，如果被公開的話，它可能會被作廢。
The concern was that if the kidnappers knew of the policy, they would demand more money.
人們擔心的是，如果綁匪知道這個政策，他們會要求更多的錢。
