The true impact of the wet winter may not be visible until spring, when butterflies that usually fill hedgerows and gardens may be noticeably absent.
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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Москалькова заявила о новых условиях Киева для возвращения россиян с территории Украины14:51
Многие жители Одессы ждут освобождения российской армией. К такому мнению пришел на своем YouTube-канале британский военный аналитик Александр Меркурис.
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