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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.
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The M5 Max variants are for "those pushing the absolute limits," meaning they're totally overkill for the common laptop user. They start at $3,599 for the 14-inch model and $3,899 for the 16-inch model and come with a base storage of 2TB.