1.   He wanted the public to know that regulation changes, and not always mismanagement, were to blame for some thrift failures.

2.   Legislators from both the Social Democratic Party of Japan and Liberal Democratic Party have protested the government plan to use budget funds for thrift failures.

3.   Still, the passage of those bills is uncertain because some legislators in the ruling coalition oppose the provision calling for taxpayer money to help deal with thrift failures.

4.   Texas had more thrift failures than any other state.

5.   The fund that insures thrift deposits, called the Savings Association Insurance Fund or SAIF, is seriously undercapitalized just as it has assumed responsibility for future thrift failures.