marriage penalty(x,y)=T′(x+y)−(T(x)+T(y))\textsf{marriage penalty}(x, y) = T'(x + y) - (T(x) + T(y))marriage penalty(x,y)=T′(x+y)−(T(x)+T(y))
when they need to.。WPS下载最新地址对此有专业解读
，更多细节参见51吃瓜
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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.
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