11.   She cited the high level of personal debt and personel bankruptcies, and tighter credit standards imposed by some banks, as risks to that outlook.

12.   Stocks fell Thursday, after Federal Reserve Chairman Alan Greenspan cast an early pall over trading with comments that revived fears of tighter credit.

13.   That relieves the Fed of any immediate obligation to increase interest rates and should eliminate the risk that tighter credit will push the economy into recession anytime soon.

14.   The commercial bank cited uncertainty about how the nine-member group would divide the shares that would be used as collateral, as well as tighter credit conditions.

15.   The reason for the move to tighter credit standards can be traced to the rise in consumer bankruptcy rates, analysts said.

16.   The region is grappling with weakening exchange rates and tighter credit that threaten to slow economic growth.

17.   They joined a region-wide collapse triggered by concern weakening currencies and tighter credit will brake economic growth.

18.   Tighter credit could throttle an economy already growing at its slowest pace in seven years.

19.   Tighter credit means that some people find it harder to get loan approvals, especially if they have a lot of debt.

20.   Three-quarters of the failures were because of the decline in the economy, including weaker consumer spending, tighter credit conditions and growing deflation, the agency said.