11.   Analysts, economists and even some politicians say the banks have not made enough progress in dealing with bad loans or forcing troubled borrowers to restructure.

12.   Analysts saw the move as a positive sign that the bank is making a serious effort to improve its earnings performance.

13.   And it is possible that other banks could make pre-emptive bids for either Bank of Boston or Corestates before a final deal is signed.

14.   And some legislators say they will refuse to limit the amount of money banks make.

15.   And the agency found signs that the banks were busily making matters worse.

16.   And the banks are making loans at relatively high medium-term rates.

17.   And, as the out-of-state banks make more loans in this area, their familiarity with it continues to grow.

18.   Architects know how to design them, developers can build them, banks can make money on them.

19.   As part of the report, the bank makes a forecast for the next report.

20.   At that rate, banks cannot make any profit on loans and the economy cannot, therefore, recover.