The core of the firm’s bearish thesis centers on a massive pool of routine, low-complexity insurance policies. The BofA analysts, Joshua Shanker, Joseph Tumillo, Cyril Onyango, and Fatima Keita, looked at just six major carriers catering to small businesses and personal lines: Travelers, Hartford, Progressive, Cincinnati Financial, Hanover, and Selective. From these six companies alone, BofA identified over $15 billion in commissions paid to independent agents in 2025 that largely skew toward low-complexity risks.
当向 AI 寻求意见已经成为日常，我开始思考一个问题：AI 作为一个私人顾问，它到底干得怎么样呢？我究竟能不能依赖它？，这一点在爱思助手下载最新版本中也有详细论述
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