Россиянка описала обстановку в ОАЭ словами «многие прячутся в ванной при звуке тревоги»

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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.。电影对此有专业解读

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These fees can be wild. When my PhD advisor and I published one of our papers together, the journal charged us an “open access” fee of $12,000. This arrangement is a tiny bit better than the alternative, because at least everybody can read our paper now, including people who aren’t affiliated with a university. But those fees still have to come from somewhere, and whether you charge writers or readers, you’re ultimately charging the same account—namely, the US government.5

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