21.   Banks are not getting stricter about home mortgages, however.

22.   Banks report interest earned on savings accounts and paid on home mortgages.

23.   Better measures might reflect the times, such as job security, home value and the trend on adjustable rate home mortgages.

24.   Both banks are mainly traditional savings institutions, using money from savings accounts to finance home mortgage loans.

25.   -- The Defense Department announced home mortgage interest rate cuts for reservists and members of the National Guard called to active duty.

26.   A bond is a loan, similar to a home mortgage.

27.   A federal appeals court Wednesday resuscitated a case against Dime Savings Bank brought by New Hampshire borrowers who maintain the institution charged improper interest on their home mortgages.

28.   A law that promises to eliminate costly paperwork and to speed transactions like purchasing home mortgages or paying taxes sounds great, for instance.

29.   A pure flat tax means curtailing such cherished tax deductions as those for home mortgage interest, charitable contributions and state and local taxes.

30.   A lot of those causes are socially worthwhile and beloved by the middle class, such as the deductions for home mortgage interest and charitable donations.