How excess & surplus (e&s) carriers are reshaped as AGI capability advances.
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Read as an executable program — the work decomposed into Code, Generative, Agentic, and Human.
Excess & Surplus (E&S) Carriers sits inside a larger value-flow — 1 parent structure it composes into. The hierarchy is grounding, not the story: it tells you which aggregate exposure Excess & Surplus (E&S) Carriers inherits.
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