41.   And he knew perhaps better than anyone else how bad those loans were.

42.   And in contrast to using a credit card, which the debit cards physically resemble, no loan is involved in the transaction.

43.   And sometimes the loans were not in yen, but in dollars.

44.   And the banks say such loans are profitable.

45.   And the loans were not to governments but to private borrowers like real-estate speculators and manufacturers.

46.   As much as one-fourth the loans may be unrecoverable, the bank said.

47.   As the loans are prepaid, investors have their principal returned earlier than expected and have to reinvest at the lower prevailing rates.

48.   Bad loans are those for which no interest payments have been made for more than six months or those extended to companies that have gone bankrupt.

49.   Bad loans are loans on which no interest payments have been made for more than six months and those extended to companies that have gone bankrupt.

50.   Bad loans are those for which no interest payments have been made for more than six months, or those extended to companies that have since gone bankrupt.