11.   He was an accountant at an established firm, and he had recently been passed over for a promotion, despite his history of outstanding work.

12.   He sold the futures and bought the underlying bonds, making enormous profits for Salomon and upsetting established Japanese firms like Yamaichi and Nomura Securities.

13.   Instead of going to work at an established consulting firm or big corporation like most of his classmates, Lovoy is going to work for himself.

14.   Instead of trying to push their way into the new markets, many companies simply buy or merge with established firms in the areas.

15.   Josef Blumenfeld joined a more established firm in Marlborough, Mass. after being laid off by two dot-com companies.

16.   Meanwhile, established firms like American Express must learn how to leverage core assets to keep the corporate coffers afloat.

17.   NationsBank Corp. recently decided to set up its asset management business as a separate entity, called TradeStreet Investment Associates Inc., rather than buy an established firm.

18.   Officials of Financial Cafe.com said they planned to emphasize service by having a higher ratio of service representatives to customers than established firms have.

19.   Other smaller companies are springing up throughout the country but some find they do not have the technology to effectively compete with more established firms.

20.   Others are established firms with demands for a million square feet and more.