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      "Replace the closing front-matter with a synthesis slide and a concrete next-steps/so-what slide after p.9, tied back to the value-chain levers",
      "Rewrite topic titles into action titles: 'The evolving role of IAs' → 'IAs are shifting from quote-writers to advisors, raising the bar on carrier enablement'; 'Independent agent value chain' → 'Five value-chain levers separate carriers-of-choice from the rest'"
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