11.   Very few institutions have such procedures in place regarding e-mail but that is no excuse.

12.   In addition to channelling funds from depositors to borrowers, certain financial institutions have another important function.

13.   Institutions thus have to make a judgement as to what liquidity ratio is best -- one that is neither too high nor too low.

14.   The first case is probably justifiable, but the second is unlikely, given that financial institutions have to take adequate account of the risks involved.

15.   Analysts expect the central bank to act sometime in the next few months to reduce the amount of deposits local institutions have to keep on hand as reserves.

16.   And yet, those of us in public schools still believe government institutions have the responsibility to improve our social condition.

17.   As the banking business expands, institutions will have to increase the proportion of banks in their portfolio accordingly.

18.   Bank representatives say institutions have to charge the new fees to finance the growing number of ATM machines.

19.   Big institutions can have a dozen or so regulators in markets -- and soon they will have even more.

20.   Both institutions had to operate in the tough real world of television-dominated media, driven by ratings and box office.