disadvantages of retained profits "People say 'oh, those experts', but we're seeing what we call potential risks being rolled out. This is not what the experts say, this is what the economy is showing. " Larger suppliers can borrow cheaply from the government's regular contributions, which means they have little incentive to raise savings rates to attract customers' deposits and then lend. There are also time factors. "As the market develops, we have the opportunity to sell our 3D XPoint to partner Intel."