21.   Under the new system, Fed officials said, banks could avoid the stigma of having to submit to an intrusive examination of their financial need.

22.   While other banks avoided the bonds, Banespa bought them.

23.   Amin Shah also said banks should avoid taking action that was too drastic in trying to recover loans, especially from businessmen.

24.   Banks were avoiding locking in their cash in government securities on expectations for cash from Christmas shoppers, traders said.

25.   But she said the bank avoids charitable organizations in favor of specific projects.

26.   Classifying some loans as bad debts will enable the bank to avoid taking legal action against borrowers.

27.   On foreigners becoming shareholders in the merged bank, most economists said Indonesian banks could not avoid foreign ownership in the next millenium.

28.   On foreigners becoming shareholders in the merged bank, most economists said Indonesian banks could not avoid foreign ownership in the next millennium.

29.   The bank has avoided falling prey to sharp fluctuations in foreign currency rates by adjusting the currencies held and enhancing risk management, the spokesman said.

30.   The bank avoided going to police and hired a private detective agency to negotiate with the man and pay him the money he demanded.