请大家帮我翻译几个句子吧

1 Sainsbury's bank doesn't have the high overheads that a branch network does.
2 It had to develop on its own without the benefif of outside influence and up_to_date technology.
3 What you're saying is the real cost of discount would only be $500 more?
4 If city noise do not keep from interesting, people have to shout to be heard even at the dinner table 20 years from now.

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