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第一，沉睡资产。德索托的理论核心可以用一个词概括——产权。更准确地说，是可转让、可抵押、可标准化的产权。他在《资本的秘密》中提出一个简单而深刻的问题：为什么穷人手里拥有资产，却依然贫穷？答案是，他们拥有的只是“沉睡资产”。
The core of the firm’s bearish thesis centers on a massive pool of routine, low-complexity insurance policies. The BofA analysts, Joshua Shanker, Joseph Tumillo, Cyril Onyango, and Fatima Keita, looked at just six major carriers catering to small businesses and personal lines: Travelers, Hartford, Progressive, Cincinnati Financial, Hanover, and Selective. From these six companies alone, BofA identified over $15 billion in commissions paid to independent agents in 2025 that largely skew toward low-complexity risks.，详情可参考下载安装 谷歌浏览器 开启极速安全的 上网之旅。
Бойцы стали больше поражать Вооруженные силы Украины (ВСУ) дронами и ракетами в рамках специальной военной операции (СВО). Об изменившейся тактике заявил в интервью ТАСС Герой РФ, командир ордена Жукова бригады оперативного назначения Центрального округа Росгвардии генерал-майор Сергей Хайрудинов.