如果你只在银行存了一百块钱，你从一个最差的利率撞到一个最好的利率，可能也只是一年存上几块钱。
If you only keep about $100 in the bank, you only save a few bucks a year by moving from the worst rate to the best.
下一次你到药店，比较一下泰诺牌的和一种普通牌子的扑热息痛：你会看到尽管泰诺的药贵上几块钱，药的成分和剂量是相同的。
Next time you're at the pharmacy, compare a Tylenol label with that of a generic acetaminophen: you'll see that even though the Tylenol is a few bucks more, the ingredients and dosage are identical.
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