The New Yorker: "In most industries, companies that treat their customers poorly end up losing them. But insurance brokers, lawyers, and stock advisers are rarely held to the same standard. Deluded by the cult of expertise, principals are remarkably hesitant to fire agents. (Marsh says that the scandal hasn’t cost it many clients.) In some fields—medicine, for example—such deference may make sense. In others, it does not. Sometimes agents are just glorified middlemen, and the best response if they misbehave is not to regulate or supervise them but simply to get rid of them. Now that the Internet and cheap software enable buyers and sellers to find each other with great ease, why take a chance on a broker who may be ripping you off? If the middleman offend thee, cut him out."