El Origen de Los Seguros

 

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Blgl Ghtocug Jgs profbrgs d`rfgs lb sbcur` lgtgh lb jg Blgl Ghtocug bh jgs movojozgmo`hbs crobcgs, r`fghgs ` ngnojýhomgs. Bh bstb pbræ`l` nusmgngh pr`tbcbr tght` sus

ohtbrbsbs pbrs`hgjbs m`f` lb jg m`fuholgl, vovægh bh pbqub÷`s crup`s y g trgvïs lb jg m`jgn`rgmoýh agmægh drbhtb bhtrb t`l`s g j`s ohd`rtuho`s. Glbfçs, sb lobr`h mubhtg lb qub gj uhorsb bh crup` brg fçs dçmoj bhdrbhtgrsb g jgs glvbrsolglbs m`f` bhm`htrgr gjofbht`s, mgzgr ghofgjbs ` bhdrbhtgrsb g `trgs lbscrgmogs qub jbs dubrgh sumblobhl`, p`r bkbfpj`, so uhg dgfojog qublgng lbsgfpgrglg, bj crup` gsufæg jg rbsp`hsgnojolgl r bsp`hsgnojolgl lb pr`tbcbrjg. ]b trgtgng lb uhg m`jgn`rgmoýh s`jolgrog. J`s ghtbmblbhtbs lbj sbcur` j`s bhm`htrgf`s bhtrb j`s fbrmglbrbs ngnojýhom`s uh`s =.555 g÷`s ghtbs lb Mrost`. Bhtrb t`l`s gsufægh jg pïrlolg lb fbrmghmægs gj gtrgvbsgr bj pgæs. Bst` sb m`h`mæg m`f` ‑prïstgf`s g jg crubsg‟; uhg pbrs`hg dæsomg prbstgng lohbr` g `trg p`r bj vgj`r lb mobrt`s `nkbt`s qub jjbvgrç bh sus fbrmghmægs. Agmog bj >.>25 g.M. bstg prçmtomg sb jbcgjozý y sb m`h`moý m`f` pgrtb lbj Mýloc` Agffurgno. Rhg m`stufnrb qub sb ngsgng bh jg s`jolgrolgl vbmohgj y qub munræg mugjquobr m`htohcbhmog ofprbvostg. ]bcûh bj gmubrl` m`h bj qub sb bhtrgng g d`rfgr pgrtb lbj crup`, sb p`læg rbp`hbr lbslb uhg hgvb g uh ghofgj fubrt`. Bstb sostbfg yg prbvbæg uh sostbfg lb ohlbfhozgmoýh g jg bsp`sg bh mgs` lb dgjjbmbr bj mýhyucb.

 

Bj Mýloc` lb Agffurgno bs uh` lb j`s m`hkuht`s lb jbybs fçs ghtocu`s qub sb agh bhm`htrgl`  

 

J`s abnrb`s tgfnoïh m`htbfpjgngh bstgs prçmtomgs tgj y m`f` sb rbdjbkgh bh bj \gjful lb Ngnoj`hog, l`hlb j`s trgngkgl`rbs bh pubst`s pûnjom`s lb jg s`moblgl sb lblomgngh g rbmgulgr ofpubst`s pgrg mrbgr uh d`hl` m`fuhotgro` pgrg agmbr drbhtb g sotugmo`hbs qub pulobrgh surcor. Bj m`fbrmo` fgrætof` lb ^`lgs (Crbmog) tgfnoïh sb agmb bm` lb j`s prïstgf`s g jg crubsg gl`ptçhl`j`s pgrg pr`tbcbr sus ngrm`s y sus mgrcgs. Lb bstg d`rfg, uhg pbrs`hg dæsomg t`fgng prïstgf`s m`h bj vgj`r lb jg fbrmghmæg9 soh bfngrc` j`s ohtbrbsbs brgh fuy gjt`s, gjrblbl`r lb uh 72%. Bh Crbmog tgfnoïh bxostæg uhg gs`mogmoýh jjgfglg Brgh`o qub tbhæg bj `nkbtov` lb s`m`rrbr g sus s`mo`s fbloghtb uhg m`tozgmoýh lb t`l`s j`s pbrtbhbmobhtbs gj crbfo`. \gfnoïh agnæg gs`mogmo`hbs lb grtbsgh`s bh jgs qub, g trgvïs lb uhg gp`rtgmoýh, sb gsbcurgngh sus duhbrgjbs. Rh`s 7.555 g÷`s g.M., Crbmog rbcujg qub bh mgs` lb gvbræg crubsg y lb vbrsb `njocgl`s g jghzgr jg fbrmghmæg p`r jg n`rlg p`r robsc` lb auhlofobht`, jgs pïrlolgs lbnbh rbpgrtorsb pr`p`rmo`hgjfbhtb bhtrb t`l`s j`s m`fbrmoghtbs.

Blgl Fblog Jg Blgl Fblog bstuv` fgrmglg p`r bj lbsgrr`jj` y mrbmofobht` m`fbrmogj. Bh bstg ïp`mg gpgrbmbh j`s profbr`s sbcur`s s`nrb jg volg aufghg lbnol` g j`s vogkbs qub sb rbgjozgngh g trgvïs lbj `mïgh`. J`s porgtgs sb lblomgngh g mgpturgr g jg tropujgmoýh y pblor uh rbsmgtb, y so ïst`s h` j` tbhægh, brgh jghzgl`s gj fgr. Gsæ surcoý bstb top` lb sbcur`s pgrg p`lbr cgrghtozgr bj rbsmgtb y fçs tgrlb, sb gfpjoý jg m`nbrturg g dgjjbmofobht` bh mgs` lb hgudrgco` ` p`r lovbrs`s ohmolbhtbs qub pulobrgh bhm`htrgrsb lurghtb bj vogkb. Bh jg ïp`mg lb jgs mruzglgs , bj ‑prïstgf` g jg crubsg‟ bv`jumo`hý agstg bj puht` bh bj qub sb p`læg gsbcurgr bj nuqub y jg mgrcg pgcghl` uhg profg dokg. Bh j`s crbfo`s fblobvgjbs sb d`rfgr`h gs`mogmo`hbs m`h dohbs s`jolgro`s pgrg pr`tbcbr g j`s fobfnr`s m`htrg pïrlolgs p`r ohmbhlo`, ohuhlgmo`hbs ` r`n`. Bh jg Ohcjgtbrrg lbj socj` OQ hgmbh jgs ‚cuojls‖, uhg m`rp`rgmoýh lb fbrmglbrbs ` m`fbrmoghtbs qub duhmo`hgngh ohstotumo`hgjfbhtb m`f` j`s crbfo`s lb grtbsgh`s. Bstb crup` lb pbrs`hgs m`h uhg gmtovolgl m`fûh bstgnjbmægh rbcjgs m`fuhbs g t`l`s bjj`s. G su vbz, bh Drghmog y Gjbfghog gpgrbmbh ohstotumo`hbs

 

lb mgrçmtbr pr`dbso`hgj. J`s profbr`s gsbcurgl`rbs brgh pbrs`hgs dæsomgs qub gsufægh ohlovolugjfbhtb uh` ` vgro`s robsc`s. Bh bstb puht`, sb p`lrægh

m`fpgrgr j`s sbcur`s lb gqubjjg ïp`mg m`h uh kubc` lb gzgr . Bj sbcur` m`h çhof` lb jumr` tobhb su `rocbh bh Otgjog bh bj socj` QOT. Bh bsg ïp`mg, j`s gsbcurgfobht`s fgrætof`s sb agmægh g trgvïs lb prïstgf`s. Brg uhg d`rfg lb bstgnjbmbr jgs cgrghtægs lb s`jolgrolgl lb t`lgs jgs bxpblomo`hbs. G bstg ïp`mg pbrtbhbmb bj profbr m`htrgt` lb sbcur` fgrætof` dorfgl` bh

7= bh Ohcjgtbrrg. Jg sufg gsbcurglg y bj ofp`rtb lb jg profg sb dokgngh gj m`htrgtgr jg pýjozg. Bh 715> sb mrbg bh \`uj`usb (Drghmog) uhg crgh futug lb sbcur`s lghl` jucgr gj rbgsbcur` , qub tobhb m`f` `nkbtov` lostronuor j`s robsc`s gsufol`s p`r j`s pr`po`s gsbcurgl`rbs. ]b rbsbrvgh jg pgrtb qub publgh s`p`rtgr y bj rbst` j` m`j`mgh bh jgs bhtolglbs rbgsbcurgl`rgs. Lb bstg d`rfg, so `murrb uh trçcom` gmmolbhtb, h` bs uhg m`fpg÷æg jg qub tobhb qub agmbr drbhtb g t`l`s j`s cgst`s, soh` qub bstç rbpgrtol` bhtrb fumags. Bh Bspg÷g tgfnoïh sb lg uh crgh lbsgrr`jj` lb jgs m`fpg÷ægs lb sbcur`s bh bj socj` QTOOO, bspbmogjfbhtb bh bj çfnot` fgrætof`, bh j`s sbcur`s lb ohmbhlo` y lb volg. Ubr` bj crgh ofpujs` jjbcg bh 711= m`h jg mrbgmoýh lb uhg m`fosoýh lb ^bd`rfgs ]`mogjbs, ]`mogjbs, m`h jg qub sb gsbhtý jg ngsb lb jg jby lb Gmmolbhtbs lb \rgngk` dohgjfbhtb pr`fujcglg pr`fujcglg bh 7?55. Fçs tgrlb, bh 7?51 sb s b mrbý bh Ohstotut`

Hgmo`hgj lb Urbvosoýh qub dub bj `rocbh lb j` qub a`y bh læg m`h`mbf`s m`f` jg ]bcurolgl ]`mogj.

 

\rgs bj ohmbhlo` lb J`hlrbs bh 7?44 surcoý jg Dorb @ddomb 

 

°\b gpbtbmb m`h`mbr fçs s`nrb jg aost`rog lbj sbcur`0 Duhlgmoýh FGUD^B mubhtg m`h uh fusb` bspbmogjozgl` bh bstg tbfçtomg; Fusb` lbj sbcur`. sbcur`. Bh ïj p`lrçs vbr 7.=55 `nrgs, lbslb pýjozgs m`h mgso >55 g÷`s g pjgmgs lb m`fpg÷ægs lb sbcur`s lb t`l` bj fuhl`. Ghæfgtb y rbgjozg uhg vosotg vortugj. vortugj.