21.   Even the best retail customers of the dozen major Wall Street firms that joined Goldman in the underwriting syndicate will have their first opportunity to buy shares Tuesday.

22.   Federal Express has been able to win retail customers by better controlling its costs, and hence its fees.

23.   Fidelity also started offering its retail customers discounted access to the Internet.

24.   Firms that manage money, either for retail customers or private clients such as pension funds, might have the most to gain as the world opens up.

25.   Fidelity will become one of a handful of fund companies that charges an annual maintenance fee to its retail customers.

26.   For starters, it forced utilities to buy power at market rates while capping what they could charge their retail customers.

27.   Frey and Greene, for example, plan to keep their produce for school tours and weekend retail customers at their farms.

28.   Greenspan did, however, cite a need for protections against fraud and market manipulation for retail customers.

29.   Giant retail customers have continued to expand by mergers and acquisitions, eclipsing rivals who were smaller, private-lable users.

30.   His most recent position was vice president of customer relations, managing relationships with retail customers.