因人的態度或行為（例如不誠實或疏忽）而增加損失機會或程度的因素。
A factor arising from a person's attitude or conduct, such as dishonesty or carelessness, that increases the chance or size of a loss.
因人的態度或行為（例如不誠實或疏忽）而增加損失機會或程度的因素。
A factor arising from a person's attitude or conduct, such as dishonesty or carelessness, that increases the chance or size of a loss.