31.   If the calls had been deemed long-distance, Pac Bell and GTE competitors might have raised rates to make up for lost fee income.

32.   In fact, Yahoo has tried to add services that can earn some fee income.

33.   Interest income is seen as more volatile and slower growing that fee income.

34.   It has always applied conservative accounting practices, never describing as fee income the portion of income it receives for guaranteeing the securitized loans on its books.

35.   It maximizes its fee income by insisting that clients commit to aggressive savings goals.

36.   Left unclear, however, is the question of where the lost fee income would be made up elsewhere in the federal budget.

37.   Managing money requires little capital and generates regular fee income.

38.   Merrill Lynch oversees a huge pot of customer assets, giving it a large fee income.

39.   Most banks are not anxious to talk about how computers are being used to spot bad customers, as defined by those who generate little interest or fee income.

40.   Not only do large banks with extensive ATM networks stand to make more fee income, they gain a strategic advantage.