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in the PONS Dictionary

universal [ˌju:nɪˈvɜ:səl, Am -ˈvɜ:r-] ADJ

1. universal agreement, interest:

universal

2. universal language, truth:

universal

universal bank N + sing/pl vb

universal bank

universal banking N no pl

universal banking

universal mobile telecommunication system N

universal mobile telecommunication system → UMTS