11.   A firm may use, in addition to its name, a designation of the practice.

12.   Such accounts are frequently used by firms to make short-term large deposits -- when, for example, they have a temporary surplus of funds.

13.   Over the years, individuals have increasingly used cheques and credit cards for transactions, and firms have increasingly used various forms of trade credit.

14.   Pirate clothing firms have been using the name to sell their own goods, now the footwear company is fighting back.

15.   These carbon fibre rollers are used by firms manufacturing machines for a variety of uses including films, textiles and paper.

16.   Although law firms are using differing strategies to emerge from the pack, the key, marketing directors and lawyers agree, is creativity.

17.   And several other firms are using cell phone networks and proximity cards for similar purposes.

18.   And he said a few fashion firms have used it well too.

19.   Big brokerage firms have used them to pressure New York to keep costs down.

20.   Bond firms use repos to fund their activities in the fixed-income markets.