11.   It also makes lenders charge higher rates on loans to compensate for the risk that interest and principal payments will have less real value when they receive them.

12.   Most payments have to be approved by the City Council but Qualls said the Britton settlement was low enough that the committee chairman could approve it.

13.   Payments to victims have yet to begin, for various legal reasons.

14.   Rather, the statute fixes the amount of each payment and asks how many such payments there will have to be.

15.   Since such payments have no effect on the amount the borrower has to bring to the closing, they are often ignored.

16.   Since then, Morgan Stanley executives have told prosecutors that the payment had nothing to do with Curry, lawyers involved in the matter said.

17.   These payments have to be accounted for on the books of the institution, creating various auditable paper trails.

18.   To achieve such levels, industry payments would have to be raised even higher than required by the McCain bill.

19.   Ex-gratia payments have to be approved by the Financial Bureau and the Department of Justice, which takes a long time.

20.   Forlonger maturity when annual or periodic interest payments have to be made,interest rate swaps may be appropriate hedging instruments.