与一个独立的工厂相比，坐落在许多不合规的大型竞争者附近的工厂不太可能引起当地监管机构的注意，而较少的关注意味着更低的成本。

A plant situated near a number of larger noncompliant competitors is less likely to attract the attention of local regulators than is an isolated plant, and less attention means lower costs.

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因为其他竞争者决定在萧条时期缩减成本，“我们确始终如一。”萨奇表示。

As other competitors cut costs during the downturn, "We decided to stay the course," says Mr Shaich.

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给监管者分拆任何失败的金融机构的权利，不只是银行，并且把清算的成本更多地算在存活下来的竞争者而不是纳税人身上。

It empowers regulators to dismantle any failing financial firm, not just Banks, and pushes more of the clean-up costs onto surviving competitors, rather than the taxpayer.

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