While acknowledging that making long-term predictions in the face of technological innovation is “difficult,” BofA notes that Facebook/Meta and Google/Alphabet did not replace print advertising overnight but that over 20 years, consumer behavior changed to dramatically shrink the print ads market. “We are not arguing that insurance intermediaries will disappear or that Coca-Cola will buy its insurance from a chatbot,” BofA said, but it urged investors to look closely at this sector, as insurance distributor stocks do not seem to be discounting the risks.
当下智能体的能力边界刚刚过去的2025年被不少AI从业者和科技媒体称作“智能体元年”。这个观察是较为准确的，得益于以下几个条件的成熟，过去一年左右的智能体发展进入快车道：
，更多细节参见17c 一起草官网
An MMDB-compatible IP Geolocation database with ASN, country, and
# Run benchmarks