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.
宽敞明亮的食堂，入眼是崭新的防滑地砖，桌椅整齐摆放。操作间里，菜刀、菜板等用具分成不同颜色，工作人员操作时全程佩戴头套、口罩……一次云南省昭通市鲁甸县文屏镇中心小学的调研，让昭通市教育科学研究所教研员甄兰芳代表连连感叹：“隔段时间没来，变化竟这样大！”
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If you spend any time online — regardless of whether you've wanted to — you've encountered AI. Whether AI is an interest or a concern, it's hard to avoid it either way. For those choosing to be a little more analog and spend more time with their head in a book rather than online, you may think you can easily avoid AI, but we have some bad news. AI is coming for your books, too.
Based on data from FDM | CCS Insight from 2023 to mid-2025, comparing average trade-in price of working-condition smartphones from major brands in key markets.
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