21.   One is a load fund and the other is no-load.

22.   Others make their money from commissions on the sale of load funds.

23.   People who buy no-load funds differ from people who buy load funds.

24.   Previously, the hospital had some load funds in its plan, but it now has no-load funds from Vanguard, the Janus Capital Corp. and others.

25.   Remember that no-load funds can have higher expense ratios than load funds.

26.   Several load funds are also available without the sales charges, but the company refuses to name them.

27.   Separating the two groups keeps getting harder, with sales charges shrinking on many traditional load funds and many no-load funds adding small charges.

28.   Some load funds have great returns, the discount brokers say, and investors want them despite the cost.

29.   Some have high fees and at least one is a load fund.

30.   Stein Roe is owned by Liberty Financial, which offers load funds through the Colonial group.