In this environment it pays to be big, just to get leverage in distribution channels.

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To leverage geographic distribution as well, each bank stores only part of a key, so if a single deposit box is compromised, no funds are lost.

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Its distribution efficiencies and its leverage with suppliers enabled it to increase its market share among the top four retailers from 44% in 1998 to 51% in 2002, according to Morgan Stanley.

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