11.   But the merger also had its supporters.

12.   But workers interviewed seem generally upbeat about the future, though some are unconvinced the merger will have much impact on their jobs.

13.   Community groups, government representatives and banking officials are speaking on the effect a merger would have on jobs and banking services, especially in low income neighborhoods.

14.   Clearly the merger has Guinness brewing but it does not involve pub estates.

15.   DiBona, retired head of the American Petroleum Institute, said the merger would have minimal impact, if any, on consumers.

16.   Even though the sale was announced just one day before the billboard was removed, Wauhob denied that the merger had any impact.

17.   For consumers, the merger will have no immediate impact because the companies do not compete with each other directly.

18.   Gerald Greenwald, chairman of UAL, had said recently that any merger would have to meet at least four criteria.

19.   Gerstner said on Sunday that he did not anticipate that the merger would have any difficulties getting government approval, and many industry analysts and antitrust lawyers agreed.

20.   Greenspan told the Senate Judiciary Committee that the mergers should have little impact on the overall U.S. economy and on American consumers.