21.   Such a combination could well have taken American operators a lot longer to put on the menu.

22.   Such a combination would be one of the largest ever in the industry and the first where a British company was an equal partner.

23.   Such a combination also might bring the benefit of broader distribution through a big retail network and would strengthen Lehman as the investment banking business becomes more competitive.

24.   Such a combination was the subject of speculative articles in Barrons and The Los Angeles Times over the weekend.

25.   Such a combination, though, could raise antitrust concerns among Massachusetts regulators.

26.   The merger, the second such combination in the U.S. this decade, would cut costs by eliminating jobs among executives and clerks, among others.

27.   The request for such a combination might be read into the psalm, which asks God for restoration as well as for mercy.

28.   The sheer size and scope of such a combination makes a Nationsbank-BankAmerica deal an alluring if risky possibility.

29.   There are many online financial advisory services, but few offer such a combination of electronic and human advice.

30.   While Lexington Advisors is a pioneer in offering counseling along with financial services, Howard predicted such a combination will be the norm in three to five years.