return ((union alloc_header *)data)[-1].ref 0;
从2026年1月开始，AI风险到底算不算承保范围将被保险业写进条款。Verisk推动的AGI排除背书以2026年1月开始生效，把一块长期模糊的责任边界变成行业文本。
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（二）非法买卖、运输、携带、持有少量未经灭活的罂粟等毒品原植物种子或者幼苗的；