尽管高盛的服务对象仅为复杂的机构，而非零售客户，高盛人都接受变革的需要。
Even though they almost exclusively serve sophisticated institutions, not retail customers, Goldmanites accept the need for change.
这种曲解只会有利于保持水的零售价格低于那些水源稀缺的地区的水的价格，这是鼓励消耗而非节约。
This distortion tends to keep the retail price of water lower than it would otherwise be where water is scarce, encouraging consumption rather than conservation.
最大的前景在于企业和投资银行方面，而非贷款价格由储蓄银行设定的零售贷款。
The greatest promise lies in corporate and investment banking rather than in retail lending, where prices are set by Sberbank.
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