1.   A financial specialist for Citibank, he was trying to cultivate new clients.

2.   Allowing non-financial companies into the banking business would be a more radical step, say financial specialists.

3.   Financial specialists at Tarrant County colleges and universities said they have shied away from derivatives and have not suffered major losses.

4.   Financial specialists cast doubt on this plan because such a holding company is not allowed under current financial regulations.

5.   Financial specialists disagree.

6.   Financial specialists at other colleges agree.

7.   Foster is also chairman of the committee for personal financial specialists for the American Institute of Certified Public Accountants.

8.   If Fleet Financial Group Inc. thinks it is getting into a stable business with easy profits, it better think again, say financial specialists.

9.   Moreover, some financial specialists said that the merger in essence diverts attention away from the real problems of the Japanese banking industry.

10.   Not really, financial specialists say.