21.   If the stock market has a down year, companies that earn fees based on assets under management could see revenues suffer.

22.   In addition, the investment banks will could earn additional fees for helping to manage the sale.

23.   In syndicated lending, banks earn fees for assembling groups of lenders to share in the risk of loans.

24.   Instead of selling classified ads, they will eagerly display them free and be grateful to earn a fee whenever sellers and buyers consummate a transaction.

25.   It also earned record fees from its merger and acquisitions business.

26.   It also earns fees from guarantees of mortgage payments, which are viewed by markets as the equivalent of those coming from the government.

27.   It earns fees from cellular phone companies and Internet service providers, Joyce said.

28.   Jahns earns a fee only when he catches a stray, and often the hours are tough.

29.   Lead or agent banks earn fees for setting up the group, and earn an interest margin, or spread, on the loans they keep.

30.   Later, ZDnet hopes to earn fees from referring customers to computer stores.