While bulls argue that large insurance brokers do not heavily participate in personal lines or small commercial markets, BofA counters that years of constant “tuck-in M&A” have created a “snowball effect.” Hundreds of small acquired shops have brought a significant amount of low-complexity, small-ticket business under the umbrellas of large brokers, a vulnerability that is often obscured by subpar public disclosures. Furthermore, even large-case, complex business—which is unlikely to face direct disintermediation—could experience pricing deflation as AI demystifies the insurance markets for sophisticated corporate buyers.
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With this, Friedmann smirked at Hall and gave a quick wave of the hand. I couldn’t tell if he was awkwardly attempting friendliness, or taunting the sheriff, or both. Hall had said that Friedmann should be “sent away forever,” and Friedmann had accused Hall of poisoning the jury pool. And yet there Friedmann was, waving at his antagonist. It was such an eerie moment that Hall commented on it: “Yeah, he’s waving at me, right there.”
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不是说这个问题比地缘政治更重要，而是说，如果不搞清楚这个问题，就永远看不穿战争背后真正的逻辑。那些关于安全、民主、核不扩散的叙事，只是战争的门面。藏在门面后面的，是一台两百年没有停转过的机器——它叫作法币体系，它的燃料叫作债务扩张，它的产品叫作战争。