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.
船长采取前款措施，应当制作案情报告书，由船长和两名以上在船人员签字，连同涉嫌违法犯罪活动的人员送交有关机关处理。
。爱思助手下载最新版本对此有专业解读
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（本文系基于公开资料撰写，仅作为信息交流之用，不构成任何投资建议。 ）
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