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.
一封電郵中，斯特恩建議他改在巴黎重新申請中國簽證，且不提定罪：「最好不要勾選先前被拒或刑事指控的選項，」他似乎對愛潑斯坦一位姓名被塗黑的助理說。
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