21.   A Cornell University study found that many U.S. firms have used NAFTA to defeat union organizing drives by threatening to move jobs to Mexico.

22.   Brokerage firms often use these tables, prepared by Securities Data, as marketing tools to win new business.

23.   But advances in technology have broken down some methods that brokerage firms used in the past to ensure investments were suitable.

24.   But that is changing, now that biotech firms are using surgery to implant genetically engineered cells that the agency classifies as drugs.

25.   But the firm has also used television commercials and billboards that dangle riches in front of prospective customers.

26.   Capital is the life blood of Wall Street because firms use it as collateral to borrow money, which they invest in the worldwide stock and bond markets.

27.   Clients fill out detailed questionnaires, and the firm uses computers to consider hundreds of possible retirement income and withdrawal strategies, as well as possible market performance variations.

28.   Competitors also relish the upheaval because the firm has used fat pay packages to snare some of their high-profile investment bankers and promising young traders and analysts.

29.   Commercial firms are using it.