1920年，捷克文学家卡雷尔·恰佩克在三幕剧《罗素姆万能机器人》中第一次使用了"Robot"这个词——它源于捷克语"robota"，意思是"苦力"和"奴隶"。
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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.，这一点在91视频中也有详细论述