零售银行已经在构思有组织的储蓄商品，提供消费者在保护储蓄本金之馀，开始将资金投回股票。

Retail bankers are already thinking about structured savings products that offer consumers the chance to start putting money back into shares while protecting their principal.

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架构师构思设计，开发者编码实现。

Architects come up with design. The developer then code it.

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设计者佛朗西斯科花费了几个月的时间构思，用两年的时间才完成了创作。

Its designer, Francis Sangorski, spent months designing it, and two years to finish its creation.

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