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.
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第三是工具链的级联触发。Agent处理一个"帮我整理邮件并创建待办"的任务，可能触发5到10次API调用，每次都背着完整上下文。，更多细节参见51吃瓜