11.   Litchfield favors corporate bonds now over U.S. government debt because they pay higher returns and credit quality should remain high so long as the economy remains strong.

12.   Loan quality remained a concern.

13.   NationsBank spokesman Rusty Page said loan quality remains high.

14.   Over all, water quality remains high.

15.   St. Barnabas officials have said that the quality of care remained high and that they had added new types of specialized care that reduced the need for hospital trips.

16.   Still, analysts said they were surprised credit quality has remained relatively high even as banks book record amounts of debt.

17.   They added, though, that over time the permit system would allow the federal agency to require reductions in emissions if the air quality remained poor.

18.   People who can afford it go to private hospitals and clinics, where the quality of care remains good.

19.   Moreover, quality remains spotty.

20.   Air quality remains a major concern for European cities, according to the report, which cited automobiles as the leading pollutant.