31.   Bank stocks, even those of acquiring companies, have generally been rising, as investors bet on the improvements banks can make by buying each other.

32.   Banks are making a big push into electronic home banking, spurred by mounting competition from computer companies intent on providing their own on-line financial services.

33.   Banks make acquisition to reduce costs and reach more customers.

34.   Banks make acquisitions not with cash but by exchanging their own stock for that of the company they are buying.

35.   Banks make money on loans, when customers pay them interest.

36.   Banks make their profit on the spread between the rates at which they lend out money and the rate at which they borrow it.

37.   Because this is an Internet program, the bank can make changes and add services without having the expense of distributing new software.

38.   Between the earnings on its Treasury notes and processing fees, the bank makes hundreds of millions of dollars a year.

39.   Besides, who says a bank cannot still make good money?

40.   Before Monday, the bank made such information available only if it was requested by the customer.