11.   The bank avoided a government takeover by promising to boost its capital.

12.   The bank only avoided seizure by committing itself to a restructuring plan centered on raising its capital.

13.   The bank avoided seizure by committing itself to a restructuring plan centered on raising its capital.

14.   The bank has an unusual business model, somewhere between a conservative bank lender and a venture capital investor, financing risky young companies most traditional banks avoid.

15.   The FDIC, which regulates state-chartered banks, also is examining allegations the bank avoids making loans to minorities, Garsson said.

16.   The FDIC, which regulates state-chartered banks, is also examining allegations the bank avoids making loans to minorities, Garsson said.

17.   The FDIC, which regulates state-chartered banks, is also examining allegations the bank avoids making loans to minorities, he said.

18.   The Legislature, however, approved an accounting gimmick that allowed the banks to avoid paying any of this to the policyholders, the suit says.

19.   The two banks avoided the slash-and-burn tactics American banks usually follow when they merge.

20.   Those tasks, likely to be painful and difficult, must be done well for the new bank to avoid becoming a takeover target.