全能银行总体上比专注于某个领域的银行有更稳定的收入和更低的借贷成本。

Universal banks generally have more stable earnings and lower borrowing costs than specialists in one or the other area of business.

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指导前利润因为：比预计低的商品成本，高销售收入的杠杆平衡，较低的其他成本包括飞机票，电话等等。

Margins ahead of guidance because of: Better commodity costs than planned, leverage on higher revenue, lower other product costs including freight, phone support, etc.

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IBM也尝到了降低成本的甜头；其总收入涨幅不明显，但利润比去年增长了8.7%。

IBM also benefited from cutting costs; its revenue hardly grew, though profit was up by 8.7% from a year earlier.

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