21.   Every Atlanta bank except one turned down their application for a small business loan, but colleagues and observers say Karatassos is anything but an underdog.

22.   Fleet disagrees, noting its senior vice president of small business loans and branches, Anne Slattery, will move to Hartford after the merger.

23.   For the future, Greenspan called for a radical restructuring of the way money for business loans is raised.

24.   Greenspan also strongly criticized the way that banks were setting interest rates on business loans.

25.   He had difficulty getting a business loan and leasing a building.

26.   He did not apply for a small business loan, in part because of the requirement that personal property be used as collateral.

27.   He said that most banks currently had a single interest rate for each type and length of business loan.

28.   He says the two deals would have lessened competition among brokerage houses, in the credit card business and in the awarding of some business loans.

29.   He said Realtors oppose home equity loans for credit card debt and small business loans.

30.   Higher rates, which affect everything from credit cards to business loans to mortgages, make it more costly for consumers and businesses to borrow and spend.