The core of the firm’s bearish thesis centers on a massive pool of routine, low-complexity insurance policies. The BofA analysts, Joshua Shanker, Joseph Tumillo, Cyril Onyango, and Fatima Keita, looked at just six major carriers catering to small businesses and personal lines: Travelers, Hartford, Progressive, Cincinnati Financial, Hanover, and Selective. From these six companies alone, BofA identified over $15 billion in commissions paid to independent agents in 2025 that largely skew toward low-complexity risks.
[-] Snapchat - I was essentially only opening this once a week and kept it in an isolated user profile. Now I've just dropped it. Snapchat was the last social media app I had and it's nice to be done with it. As a side note, I'm experimenting with self-host a defederated Pixelfed instance for just family, but mostly I just text photos to people now.，这一点在下载安装 谷歌浏览器 开启极速安全的 上网之旅。中也有详细论述
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