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.
从视频画面和弹着点特征观察，它们在攻击末段释放出三到五枚集束式子弹头，以攻击不同目标，尤其导弹从发射到命中的时间比较短，意味着其惯性导航系统/陀螺仪制导在命中前仍能保持相对较高的精度（鉴于陀螺仪在长时间飞行中容易失去精度，这一点非常重要），圆概率误差估计在30—50米或更小，这在一定程度上加大了以军反导拦截效果。
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