81.   The big question is whether investors who buy these funds know that they get substantial foreign holdings.

82.   The book says investors should simply buy index funds, because no stock picker can topple the law of averages over long stretches of time.

83.   The decline shows the pitfalls of buying funds that have concentrated bets in one sector, especially in a volatile area like technology.

84.   The discount and the outlook for an improving French economy have led some observers to conclude that now is a favorable time to buy the fund.

85.   The fact, however, is that not many investors did buy the fund then.

86.   The funds were bought by Fleet Financial Group.

87.   The form suggested possible responses that could be used to convince a customer to buy a fund.

88.   The premium means investors are paying more than the underlying securities are worth, while other European equities funds can be bought for less than their asset value.

89.   The same is true when buying individual funds through brokers.

90.   The strategy of buying individual funds makes sense for a bank, said Geoff Bobroff, an independent consultant based in East Greenwich, Rhode Island.