林俊旸所珍视的“垂直整合”体系，在管理层视角中，或许正是效率损耗与部门墙高筑的源头。
Зеленский решил отправить военных на Ближний Восток20:58
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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.
Марина Совина (ночной редактор)