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.
Ранее сообщалось, что Иран начал осуществлять военный план, который ранее был разработан лично верховным лидером Ирана Али Хаменеи и высшим командованием. Хаменеи и его соратники начали разрабатывать этот план после 12-дневной войны Израиля против Ирана в июне 2025 года.，更多细节参见WPS下载最新地址
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