11.   Bell Atlantic and Nynex have provided little concrete evidence that a merger would create substantial benefits for customers.

12.   Big banks are boosting interest rates to keep their customers happy amid the turmoil created by mergers.

13.   A merger would create significant overlaps in London and particularly in Switzerland, as both banks have extensive retail networks, analysts said.

14.   A merger would create a company with a presence in civil aircraft, fighter jets, military cargo planes, rocket launchers and the space business.

15.   A merger would create intense competition with the recently combined Burlington Northern Inc. and Santa Fe Co.

16.   A merger would create significant overlaps in London and particularly in Switzerland, where both banks have extensive retail networks, analysts said.

17.   A. The merger has created a weightings issue.

18.   All three regulatory bodies have expressed serious concerns that the merger would create too much concentration in the market for Internet connectivity and long-distance services.

19.   But McCleary said the merger will create a much larger HMO that will lessen the bargaining power of doctors to negotiate for better contracts.

20.   But the merger would at least create a company with additional scale, which could help it shave costs in buying equipment.