Standard Digital
本期报告作为系列收官之作，将系统梳理当前消费市场存在的核心问题，探索供给侧结构性改革、场景创新、政策协同等优化路径，并预判未来 3-5 年消费市场的发展趋势，为市场主体决策与政策制定提供参考，助力消费市场实现高质量的可持续增长。
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For example, Progressive paid over $6 billion to independent agents last year, while Travelers and Hartford paid roughly $3.35 billion and $1.25 billion, respectively, in segments dominated by personal lines and small commercial business. BofA notes that these types of policies, such as standard home and auto insurance, represent low-sophistication transactions where human agents add little value, making direct-to-consumer digital channels a considerable cost-saver for the buyer.
Someone in formal education, such as school or university, doing an apprenticeship or vocational course, is not considered to be Neet.