It's different in other countries; in Europe, they've had universal banking, which allowed banks to offer insurance for a much longer time but in the U.S.

这与其他国家是不同的,在欧洲,那里有综合银行,它们提供保险服务已经有很长一段时日了,但是在美国

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And all we are competent therefore to decoil pose and recoil pose these elements of learning, so that we are still consistent with all those purposes, both explicate and implicit, of an educational environment.

我们可以,单独和综合呈现,这些学习的要素，所以我们仍然与,教育环境的目标一致，包括表层目标深层目标。

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