In recent years the trend has been towards some form of universal banking, with the same bank providing both retail and investment services.

近年来的潮流趋向于某种形式的全能银行业，即同一家银行既提供零售银行服务，又提供投资银行服务。

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The difficulty of persuading Chinese consumers to pay for products easily available in pirated form has meant Microsoft has in the past put limited focus on retail strategy.

要说服中国消费者在能够轻易获得盗版形式的商品时去购买正品是有难度的，因此微软在过去只将有限的工作重心放在零售战略上。

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For example, a purchase can be accomplished online, over the phone, by mailing or faxing an order form, or in-person at the retail store.

举例来说，一次购买可以通过在线、电话、邮件、传真一个定单表格或者亲自到零售店来完成。

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The two banks will consolidate their retail banking in Switzerland and form a merged entity, Warburg Dillon Read, to take on the Americans in investment banking.

ECONOMIST: BRITAIN SPECIAL: GLOBAL INVESTMENT BANKS: Fools’ gold | The

Unless cotton prices fall, many of the apparel retailers in the U.S. are expected to pass the increased cotton costs on to consumers in the form of higher retail prices.

FORBES: Cotton Prices Won't Ground American Eagle Long-Term

The second-most popular tool featured in the retail apps, a contact form, also underachieved, as only 45% of apps with such an option earned a majority of rating above the cut-off of three stars.

FORBES: When Mobile Shoppers Get Mad, Don't Just Leave Them Your Number