The best example is Bank of America stepping up to buy Merrill Lynch, a firm with a formidable franchise in U. S. retail stock selling.

最佳案例是美国银行(Bank of America)收购美林(Merrill Lynch)，后者在美国零售股票销售市场有着强大实力。

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And how else to explain Citigroup's "Live Richly" campaign, in which the bank opts out of selling potential retail customers specific advantages over the competition, such as free checking, higher-interest CDs or longer hours.

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