Within this reunion, Jarmusch's script reveals some backstory, touching on death, illness, divorce, and precocious grandchildren. But the movie keeps us firmly in this place, in this moment, where this family is perplexed about how to reconnect. There's no bad blood, it's more confusion on how this father created these kids.
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Ultimately, BofA is not predicting the overnight disappearance of the human insurance agent, nor is it suggesting that massive corporations like Coca-Cola will suddenly buy complex insurance policies from a chatbot. However, BofA warns that an agency business currently perceived as having 3% to 7% organic revenue growth could see that slip to 1% to 5% in the face of disruptive technology. BofA concludes that with 10% to 20% of current business potentially facing disintermediation, the industry’s premium valuations leave very little room for error.