31.   Beginning Monday, the bank will offer both fixed and floating-rate loans and deposit accounts.

32.   Bigger banks can offer more services at lower prices.

33.   Adhering to the same basic public and accounting regulations, banks compete, and even the same bank usually offers a choice.

34.   Both banks offer similar products such as credit cards, car loans, checking and savings accounts.

35.   Brokerages were the biggest gainers, soaring after the Nihon Keizai newspaper reported the government will allow them to offer accounts with some services offered by banks.

36.   But if you are thinking about on-line banking, note that many banks will offer very good deals on both products.

37.   But in the years since, banks have generally offered both on the same terms.

38.   But, she added, some out-of-town banks offer very competitive rates.

39.   By moving to touch screens, banks can offer unlimited options beyond just withdrawing money or transferring dollars among accounts.

40.   Currently Hong Kong banks offer only floating-rate home loans.