21.   And banks have started to make loans again so that people might build new houses and businesses.

22.   And Clinton will stress that the IMF will make loans, not bailouts, but only after the countries agree to reform their economies.

23.   And political violence in Mexico made loans and stock purchases there seem riskier.

24.   And that, real estate specialists say, can result in the lender declining to make the loan or offering less of a mortgage than the buyer needs.

25.   And the few lenders that made loans required them to be paid off in five years.

26.   And many -- Citibank fits in here -- are only making real estate loans to clients who do other business with the bank.

27.   And the banks are making loans at relatively high medium-term rates.

28.   And they make loans to buy or hold gold costlier.

29.   And, as the out-of-state banks make more loans in this area, their familiarity with it continues to grow.

30.   Around the same time, the company made substantial loans to one of its executives.