1.   Banks are trying to increase their capital-to-assets ratios to meet domestic and international banking standards before April, when stricter accounting regulations take effect.

2.   Brain-wave regulation takes a long time to learn but has the potential for longer-lasting action.

3.   But all these regulations will take time to go into full force.

4.   But that will change when the new training regulations take effect in November.

5.   Regulations can take a long time to develop because so many different effects have to be measured, said the senior department official.

6.   The company has also requested that the regulations not take effect until next year.

7.   The first assault comes next week, when new regulations take effect allowing companies to do away with the checks customers send them to pay their bills.

8.   The first assault comes when new regulations take effect allowing companies to do away with the checks customers send them to pay their bills.

9.   The health regulations take effect later.

10.   The new regulations will take effect in the fall and will be imposed at several international airports, including George Bush Intercontinental Airport in Houston, officials said.