11.   Nonprofit symphonic institutions need income to pay health and retirement benefits to their employees.

12.   No institution needs two chiefs of cardiac surgery, for example.

13.   Predominantly white institutions need to make minority students feel they belong.

14.   The Palestinian political institutions now emerging need to be accountable and democratic enough to inspire confidence at home and abroad.

15.   Then there are those who say major institutions need public funds just as badly.

16.   To keep the portfolio in line with its target, an institution will need to sell some bonds and buy stocks.

17.   What is more, they attract drug companies and other institutions needed to get drug trials going, which are another major attraction for critically ill patients.

18.   Blair, in an interview with Le Monde, a French daily, published Thursday said European institutions needed reform.

19.   Eschweiler said with a lack of capital in the banking system, financial institutions would immediately need to recapitalise.

20.   Every institution needs official permission before it can start functioning.