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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Украина объявила Венгрию опасной для пребывания странойМИД Украины порекомендовало гражданам воздержаться от поездок в Венгрию
Even Erlang demonstrates this. Erlang processes are genuinely isolated with separate heaps, no shared references, and messages copied between processes. These are the strongest form of the message-passing guarantee available anywhere, and yet researchers found previously unknown race conditions hiding in Erlang’s own heavily-tested standard library.
，这一点在PDF资料中也有详细论述
3. Midstream Heart Attacks and the Technological Bypass
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