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A | More than 1,000 of the slow-moving creatures have been wrangled in New Port Richey since June 23, when the first one was discovered. The snails not only eat hundreds of types of plants, they also crawl up the sides of buildings and consume the calcium from the stucco and plaster found there before leaving behind their droppings.,"These snails could be devastating to Florida agriculture and natural areas as they cause extensive damage to tropical and subtropical environments," the Florida Department of Agriculture & Consumer Services (FDACS) warned.,Beyond the damage to plants and buildings, the snails carry with them a dangerous threat to humans, too. Rat lungworm (Angiostrongylus cantonensis) most often infect the lungs of rats and other rodents, but can be transmitted through their digestive system. The lungworm larvae is then found in rat feces, which then infect the snails.,Humans can come into contact with the lungworms either by eating undercooked snails, fruits and vegetables contaminated by the infected snails, or consuming undercooked frogs and crabs that have snacked on a sick snail. While the parasite sometimes dies in a human’s central nervous system, other times it can travel through the brain and cause meningitis: a swelling around the brain and spinal cord which can lead to paralysis, comas, and death.,Thankfully, thus far scientists have yet to detect rat lungworm in the snails that have been wrangled in Pasco County, says Greg Hodges, who is an assistant director of the Florida Department of Agriculture’s Division of Plant Industry.,“Let me assure you, we will eradicate these snails. We have done it twice before, and we will do it again – it is not a question of if, but when. Together, let’s locate, communicate, and eradicate, so Florida can again be GALS free,” said Florida Commissioner Nikki Fried.,The state of Florida has set up a quarantine that runs from the northwest corner of the U.S. 19-Ridge Road intersection, and east to Little Road and south to Trouble Creek Road in New Port Richey, Pasco County. In this quarantine area, residents are restricted from touching or moving found snails, as well as plants, soil, compost, and yard waste. Those who do find any other snails are asked to contact state authorities.,At least 30 state employees are searching for the snails and are being assisted by dogs trained to sniff out the invasive critters. Authorities are also using metaldehyde to kill the snails, a pesticide that affects their mucus production and causes lethal dehydration.,The last time Florida dealt with a snail invasion, those giant African snails were dark gray and brown, but now? Authorities are finding the snails to have whiter, cream-colored bodies and dark shells. These newer snails are heavily sought after in the pet trade industry, but in Florida it is illegal to import or own a giant African snail without a permit. However, Florida state authorities have discovered individuals doing just that.。登录新浪财经APP 搜索【信披】查看更多考评等级　　来源：保契　　问渠那得清如许，为有源头活水来。

B | 　　瑞众人寿陕西分公司数名员工举报个险渠道违规销售一事余温未消，8月25日，国家金融监督管理总局黑龙江监管局的一纸罚单，又将该公司银保渠道的合规问题推向公众视野。　　据黑龙江金融监管局行政处罚信息，瑞众人寿黑龙江分公司因“给予投保人合同约定外其他利益”被罚款13万元；时任该公司黑龙江分公司银保部经理李道刚被警告并罚款4万元。　　这是一张金额不大、定性不重的常规罚单，但放在两个背景下审视，其分量却远超17万元本身。　　其一，被处罚的是银保渠道，直接责任人就是银保部经理。在银保渠道业务场景中，“给予合同外利益”历来是监管重点关注的违规类型，行业内通常将此类通过虚列费用套取资金、用于向银行端输送利益的做法称为“小账”，直接处罚至银保部经理，一定程度上说明监管根治银保渠道违规行为的决心和态度。　　其二，罚单落地之时，距离《关于进一步加强银行代理渠道费用管理有关事项的通知》（金寿险函〔2026〕65号）7月1日正式执行仅过去不到两个月。换言之，监管查实的违规行为，大概率发生在65号文落地生效前后，或为实现落地前强力冲刺业务，或是新政落地后仍未收手。　　当然，如果把黑龙江罚单与近期陕西分公司数名员工实名举报事件并行观察，瑞众人寿系统的合规问题则更具观察价值。　　个险渠道被举报“虚构国补诱导老年人投保”，银保渠道被监管认定“给予合同外利益”，两条渠道、两种违规形态，但底层逻辑高度相似，均指向通过违规方式推动保费增长。　　更值得关注的是，瑞众人寿并非个别分支机构偶发违规。

C | 简要梳理公开数据，2025年全年，其各地分支机构共收到18张监管罚单，合计罚款319.6万元；2026年上半年，旗下13家跨省分支机构接连被罚，违规事由亦高度同质化：编制虚假财务资料、虚挂中介套取费用、给予投保人合同外利益、欺骗投保人。　　据瑞众人寿2025年度消费者权益保护及投诉工作信息披露报告，其陕西分公司2025年被投诉6736次。

D | 这或意味着，其合规失守已不是某个分支机构的“跑偏”，而是自上而下的经营策略出现了系统性偏差。　　当然，要真正理解黑龙江这张罚单的分量，则必须置于65号文的政策坐标系中予以整体审视。　　65号文是银保渠道“报行合一”的进一步深化，其要求保险公司报送银行代理渠道产品备案时，分别报送向银行支付的佣金、银保专员的薪酬激励、培训及客户服务费、分摊的固定费用等水平；开展银行代理渠道业务要按照经备案的产品精算报告执行费用政策，发生费用支出应取得真实、合法、有效的凭证。

E | 　　新规“严”在三个维度：费用报送“全口径透明”，每一分钱的出处和用途都要有据可查；费用执行“穿透式管理”，严禁以出单费、信息费、技术服务费等名义支付除佣金以外的任何费用；合规责任“全链条追责”，将“报行合一”合规管理纳入内部考核与问责机制。　　责任链条十分清晰：总经理对“报行合一”工作负责，总精算师对产品设计负责，财务负责人对财务管理相关事项负责，分管银行代理渠道的高级管理人员对银行代理渠道费用支出、业务推动活动开展的真实性、合规性管理负责，各级分支机构主要负责人对相关分支机构“报行合一”工作负责。　　新规之下，“小账”的空间被制度层面精准堵截。但行业现实是：“小账”或许在减少却远未消失。原因在于理论与实践仍存在割裂。比如，理论上，按照65号文的责任链条，黑龙江罚单追责到分公司银保部经理只是起点，终点至少应追责于分管银保的副总经理。　　需要明确的是，瑞众人寿并非普通的市场主体。2023年6月，其经监管批准设立，核心目的是有序推进原华夏人寿风险处置工作，同年11月获批整体受让华夏人寿保险业务及相应的资产、负债，监管在批复中明确要求其切实维护保险消费者和债权人的合法权益，确保保险业务受让合规、平稳推进。　　作为风险处置的承接主体，瑞众人寿肩负着化解存量风险、修复机构信用、重建合规文化的多重使命。对于这类风险处置机构而言，前期核心考验的是资本实力和保单兑付的维稳能力，后期则重点考验企业治理的穿透能力、合规体系的重建成效。　　当一家风险处置机构仍出现高频次、跨区域的同类违规行为，其是否真正完成了从“规模优先”到“合规优先”的经营逻辑转型，则值得进一步观察。　　中央金融工作会议明确提出，要深刻把握金融工作的政治性、人民性。保险作为金融体系的重要组成部分，每一张保单背后都关联着人民群众的养老钱、救命钱，合规经营任何时候都是不可逾越的底线。　　对于瑞众人寿这类后风险处置机构而言，规模修复当然是重要任务，但合规重建却是核心前提。任何时候，风险处置不应是违规经营的“缓冲期”，规模增长也不能代替合规体系的重构。