31.   But I think for a person who is financially very responsible, a home equity loan can be very useful thing.

32.   But opponents argue that legalizing home equity lending would open the door to financial institutions doing away with so-called signature or personal guarantee loans.

33.   But personal effects, including a car and accumulated home equity up to certain limits, can be retained.

34.   But the management of the new money that comes in home equity loans or credit lines, particularly when used to consolidate debt, requires discipline.

35.   But there are smart ways and not-so-smart ways to play the home equity card.

36.   But, he noted, most of the total money lent under home equity loans is in the form of installment loans.

37.   Card issuers must look askance at the success shown by such sports figures as Dan Marino, Dan Dierdorf and Jim Palmer in pitching home equity loans.

38.   Certainly a good deal of the money in these categories is earning less than you would pay on a home equity loan.

39.   Conseco sells supplemental health insurance to individuals, and Green Tree makes home equity loans.

40.   Congressional negotiators Monday approved a measure that would effectively reinstate the Texas ban on home equity loans.