If a firm is competing against a customer let's say for a non-prime loan perhaps that assumption is not quite so safe.

如果一家公司在和客户博弈,比如发放说次级贷款,可能假设不是那么完备

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A lot of it is based upon how well you can serve clients, you know, how well you can talk with clients,

这很大程度上取决于你对客户服务得多好，你和客户交流得多好，

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And then, we're building Web service and a client.

之后我们建起了网络服务和客户端。

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Insurers, just like mutual funds, are providing risk pooling for you.

保险公司和共同基金一样,为客户提供风险汇聚服务

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Whether they were large grocery stores or specialty accounts.

包括了大型的零售商和专业客户。

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