11.   A stricter standard would not mean an end to separate-sex bathrooms, since there are obvious privacy issues.

12.   Additionally, the Fed said yesterday that major banks are imposing stricter borrowing standards on households and businesses.

13.   Along with Goodman, second only to Carrier among makers of air conditioners, some state regulators also favor the stricter standard.

14.   But federal officials said they had established much stricter standards for measuring compliance with this requirement.

15.   But he opposes the proposal going before the council Tuesday -- concerned about how the city would enforce it -- and is more interested in stricter standards.

16.   By itself, a stricter standard will not deliver cleaner air.

17.   Clinton told the executives today that he thinks the new stricter standards should apply to all nations, including those that are still developing.

18.   Comptroller William Kilmartin said there are only about a dozen states with a balanced budget under the stricter standard.

19.   Farming conditions remained healthy, while credit demand among banks varied by region as some institutions continued to impose stricter lending standards.

20.   Federal and state officials everywhere are still debating how to implement the stricter standard.