1.   Bankers say they must merge to survive as they compete with mutual funds, brokers and other financial service firms with lower costs.

2.   But some think the smaller firms, including E-Trade and Ameritrade, will have to merge to survive.

3.   Cardon was responding to suggestions the bank needed to merge to survive.

4.   It could mean, however, that some companies will be forced to shut down and others may merge to survive.

5.   Struggling companies are merging to survive.

6.   The cuts rippled through the region, as commercial and residential real estate prices plunged and major banks and thrifts either failed or were forced to merge to survive.

7.   While banks merge to increase profits, thrifts may have to merge to survive.

8.   But it meant that some famous old names would vanish in England because certain proverty-stricken clubs had to merge in order to survive.

9.   Hudson said the deals would force other airlines to merge in order to survive, likely resulting in four U.S. mega-airlines.

10.   IBC and UTV decided to merge to survive financially.