31.   Banks sell products and services, after all, and need to reach potential customers.

32.   Banks typically sell part or even all of a loan to other lenders, keeping the up-front fees.

33.   Banking gained for a second day after the finance and justice ministries agreed that banks may sell perpetual bonds --bonds with no maturity dates.

34.   Banks have been selling stock to book gains that cover write-offs of their irretrievable loans.

35.   Banks have sold the loans to investors at a percentage of face value.

36.   Banks sell government bonds to the Bundesbank, which in turn loans funds for two weeks at the repo rate.

37.   Banks sell government bonds to the Bundesbank, which in turn loans the banks funds for two weeks at the repo rate.

38.   Banks sell mutual funds to make money.

39.   Because banks can now sell insurance, insurance agents and firms want to provide banking services.

40.   -- Permitting banks to sell investment trust services, similar to mutual funds in the U.S., at teller windows.