11.   But last month, retail customers of Datek Online, Dreyfus Brokerage and Discover Brokerage all began trading after hours.

12.   But the company may find it hard to develop the flair required to handle millions of retail customers.

13.   But the lesson of telecommunication wars to date has been that retail customers are slow to move.

14.   But to realize such synergies, it is crucial for Ceaco to avoid alienating its existing retail customers.

15.   Calpine will sell its electricity to homes and businesses as New England states force electric utilities to compete for retail customers for the first time.

16.   Chase Manhattan Bank is looking at chat as a way to assist retail customers who run into difficulty while using its Web site.

17.   Competition for customers is increasing among local gas utilities and among marketers seeking retail customers.

18.   Corel, though, has more experience selling software targeted at retail customers than Novell.

19.   Corel, though, has more experience in selling software like WordPerfect targeted at retail customers than Novell.

20.   Discount brokers like Fidelity and Charles Schwab scrambled to make deals with underwriters so their retail customers could steal a few drops at the faucet of instant wealth.