21.   Banks lend out deposits as car loans and mortgages, for example.

22.   Bankers report rising delinquencies on car loans and home equity loans and more late payments on home mortgages.

23.   Barely noticed in the WTO deal are provisions to allow foreign car makers to offer car loans.

24.   Banks and other lenders flocked to auto finance in recent years, viewing car loans, like consumer mortgages, as a relatively secure asset.

25.   Because many car loans, home-equity loans and some credit cards are pegged to the prime rate, any cut translates into savings for millions of Americans.

26.   Because many consumer loans, such as car loans and home-equity loans, are tied to the prime rate, millions of Americans have been helped.

27.   Bond yields serve as a benchmark for everything from car loans to home mortgages.

28.   About one-quarter of visitors to the Web site want to refinance car loans.

29.   According to new Federal Reserve data, consumer borrowing surged in January as shoppers maxed out on credit cards and car loans.

30.   After the car loan is repaid, she should concentrate on paying off her student loan.