More specifically, the body blows the financial downturn administered to the portfolios of major credit card companies in the form of high delinquency and default rates emphasized the importance of garnering a financially stable customer base.

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In a world where work is stable and predictable, and customer requirements are unchanging, this approach can work reasonably well.

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However, despite competition, Travelers has maintained high profitability with stable revenues due to its niche customer and product placement.

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The idea is that once a customer is brought in the door with promises of commission-free trades, the company will have a stable source of income for years.

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