因此，定价权正在从精算表迁移到代码、流程与证据链。当精算师开始查阅代码库，当理赔员开始要求红队报告，保险公司就不再只是资本的避风港，而会成为算法世界的守门人。
Green: Surfing terms
，详情可参考heLLoword翻译官方下载
The efficiency depends on the query size relative to the data distribution. A small query in a sparse region prunes almost everything. A query that covers the whole space prunes nothing (because every node overlaps), degenerating to a brute-force scan. The quadtree gives you the most benefit when your queries are spatially local, which is exactly the common case for map applications, game physics, and spatial databases.
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