21.   Banks are now offering to swap every foreign share for a slightly higher amount of common stock.

22.   Banks offer a steady stream of dividend payments similar to fixed-income securities.

23.   Banks offer investment services and underwrite stocks and bonds.

24.   Banks are also offering more generous terms on loans, like longer periods for repayment.

25.   Banks are also offering more services on line.

26.   Banks of windows offer views of neighboring houses and I even get a peek at the sea and the mountains beyond.

27.   Banks are also offering incentives for consumers to pay their bills online.

28.   Banks are offering home-banking options to their customers as a way to cut costs at branch offices.

29.   Banks have offered their customers the option of paying bills through their PC software for years.

30.   Banks offer a variety of reasons for merging, including the need to take advantage of global markets and new business opportunities opened by deregulation of interstate banking.