21.   Although each institution has its detractors, each has charted its course with a clear and creative vision.

22.   ----- If there is no public evidence the MFA has changed its habits, other institutions have.

23.   A few other institutions also had photographic copies of the scrolls, made as a safeguard against loss of or damage to the originals in Jerusalem.

24.   A way to deal with that, some ethicists say, is for research institutions to have policies that require full disclosure from their scientists.

25.   After two Japanese brokerages and two banks failed last month, Japanese financial institutions are having trouble procuring dollars overseas because of their higher risk.

26.   But because German financial institutions had little familiarity with biotechnology, the founders turned to the United States and went public on Nasdaq.

27.   But civil institutions have less.

28.   But by early this year, word was leaking out of Kansas that the institutions were having prenuptial problems.

29.   But the institution has responsibility to make sure support systems are in place.

30.   But unlike banks in the current era, this institution had no federal deposit insurance to reassure customers when rumors began to spread that it was in trouble.