ຜູ້ກໍ່ຕັ້ງ miscalculate ຄວາມສ່ຽງໃນເວລາທີ່ເຂົາເຈົ້າ equate ທຶນທີ່ມີ insulation; ນີ້ແມ່ນສິ່ງທີ່ກົດໝາຍການຢ່າຮ້າງປະເມີນຕົວຈິງແທນ.

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