21.   The report says that for five years some public money might be needed to pay depositors after an institution fails.

22.   The two institutions failed under the weight of billions of yen of bad loans for speculative real estate projects.

23.   The two institutions failed under the weight of billions of yens of bad loans for speculative real estate projects.

24.   The two institutions later failed under the weight of billions of yens of bad loans for speculative real estate projects.

25.   This would be an emergency measure, for instance if a financial institution fails or the tumble in stocks proves unstoppable, he said.

26.   Under the direction of the Finance Ministry, banks have traditionally stood together during tough times so no institution would fail.

27.   A half-a-dozen major financial institutions have failed in the last two years under the weight of irrecoverable loans.

28.   Critics contend the institutions have failed to keep pace with the dramatic changes in global economics.

29.   He said for the economy to get back on track, the authorities should let the weaker financial institutions fail.

30.   If the institution fails to meet the requirements after three years, it would be reclassified into the appropriate subdivision.