One is to level the retail banks' playing-field by eliminating both explicit and implicit subsidies to state-owned competitors.
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Regulations inherently carry both explicit and implicit costs.
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Set aside a little time each day to question all the assumptions both explicit and, more importantly, implicit that underlie your business model.
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Consider partnering with complementary companies and causes that also delight your kind of customers so you can provide both implicit rewards of recognition and explicit rewards such as eCoupons to most popular contributors.
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