They can offer to switch out of what's called an interest-and-capital-repayment loan, which is the standard for a residential mortgage holder.

他们可以提出放弃所谓的利息和资本偿还贷款，这是住宅抵押贷款持有人的标准。

When you are wearing your pajamas and you switch out of your pajamas into say, a work short and pants, you're making costume change.

当你穿着睡衣并脱下睡衣换上工作短裤和长裤时，你就在改变服装。

So that brand loyalty translates into a premium that they're able to extract from customers who are unwilling to switch out of the Apple ecosystem.

Sawhney：因此，品牌忠诚度转化为溢价，他们能够从不愿退出 Apple 生态系统的客户那里获得溢价。