11.   That option would save him the prepayment penalty on the first loan, as well as brokerage fees, but the Allstate loan still comes out cheaper.

12.   The bank loans come due in five years.

13.   The loans will come due in three to five years, and will generally be in line with market rates.

14.   The loans come from domestic banks whose lending decisions are based more on government pressure and personal relationships than on dispassionate business calculations.

15.   The loan comes from French bank Credit Lyonnais SA and Bayerische Hypotheken und Wechsel Bank AG, or Hypo Bank, of Germany.

16.   The loan comes due in June, he said.

17.   While that lending was mainly by U.S. banks to governments, the Asian loans came more from Japanese and European banks, with American lenders in third place.

18.   While the loan can come up for consideration at any time, officials doubted it would soon.

19.   Payday loans recently have come under criticism by consumer groups and some lawmakers.

20.   Payday loans recently have come under criticism by consumer groups and members of Congress.