41.   Japanese banks use the long-term prime rate as benchmark for making long-term loans to corporations and home buyers.

42.   Japanese banks use the rate as a benchmark for loans to corporations and home buyers.

43.   Just as U.S. banks used to give away toasters to attract new accounts, AFPs employ armies of salesmen and pour on extraneous services.

44.   Leach recalled a hearing on red-lining, the practice that banks use to block off neighborhoods where they will not grant mortgages.

45.   Local banks can use the influx of capital to make loans available to the community.

46.   Many banks have used tax-preferred policies to cover the cost of other employee benefits.

47.   Medlin also warned that while the U.S. banking industry is healthy, some of the standards banks are using to underwrite loans are eroding.

48.   Margins also narrowed because the bank used a higher percentage of borrowed money to fund loans, rather than relying on deposits.

49.   Moreover, Japanese banks can use latent profits on stock investments to meet Bank for International Settlements capital adequacy requirements.

50.   Moreover, Japanese banks use latent profits on stock investments to meet Bank for International Settlements capital adequacy requirements.