For costs like electricity and insurance, it can pay to pool your buying power with others and negotiate bulk discounts, especially if you run a small business.

对于电费和保险等成本，你有必要与他人一起购买，商谈批量折扣，特别是如果你经营的是一家小公司。

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Even with a hefty pay rise, employees would still find it hard to get as good a deal on insurance as big companies buying in bulk.

ECONOMIST: Corporate health plans

The remainder is split between insurance companies and honest victims, with the great bulk of the victim money going to those least badly hurt.

FORBES: Fact and Comment

"The vast bulk" of large businesses already offer insurance, he says.

WSJ: Small Firms See Pain in Health Law