11.   Japanese bankers said Daiwa has had some trouble raising funds recently.

12.   Japanese bankers are prohibited from moonlighting.

13.   Japanese central bankers and investors may well be the most worried about the euro.

14.   Japanese bankers complain the state-run banks are encroaching on their territory and cutting into their market share.

15.   Japanese bankers complain the state-run banks are encroaching on their territory and hurting their market share.

16.   Japanese bankers themselves are skeptical about rapid change.

17.   Several Japanese bankers said the merger could be unpopular with other banks here, which would have to compete with a mammoth new institution.

18.   South Korean central bank chief Lee Kyung Shik is meeting with Japanese bankers today, seeking to extend loans South Korea is in danger of defaulting on.

19.   Summers was at odds with Japanese bankers, who said sufficient steps had been taken to resolve the problems.

20.   The choices now facing Japanese central bankers and regulators are now similar to those facing its Asian neighbors, only more so.