31.   Retail banks, including Barnett Banks Inc. in Florida and Summit Bancorp of New Jersey, want lawmakers to protect and expand their right to sell insurance.

32.   Retail banks, investment banks and media issues gained the most.

33.   Societe Generale said it remained interested in CIC, another retail bank, if the government places it on sale again.

34.   Some analysts said Bank of China is an obvious buyer, since acquiring Hang Seng would make it the dominant retail bank in the territory.

35.   That means companies need to pool their resources to speed up their transformation into retail banks.

36.   The best cross-industry merger fit may be between big retail banks and life insurers.

37.   The government has defined Credit Lyonnais as a retail bank at home and a wholesale bank abroad.

38.   The Home Loan Banks are cooperatives that are owned entirely by retail banks that make mortgage loans.

39.   The Japanese, who own three large retail banks in California, have been the wild cards in the merger game.

40.   The lack of giant bidders is likely to please Fleet, which is keen to avoid having to compete against a strong retail bank based outside the region.