41.   Bank stocks also fell, because several of them including Bank of America and Bank of New York had made substantial loans to the California utilities.

42.   Banks are bursting with desire to make loans because profits from other activities are getting squeezed, which is pushing borrowing rates down.

43.   Banks are reluctant to make loans to newcomers, and land is expensive and hard to come by.

44.   Banks are taking potential environmental liabilities into closer account when they decide whether to make loans.

45.   Banks counter that credit scoring is just a first step in making a loan, and that consumers who are rejected can still appeal to loan officers.

46.   Banks refuse to make the loans that might help people build new houses or businesses.

47.   Banks remain eager to make loans with the economy still growing and corporate balance sheets in strong condition, analysts and bankers said.

48.   Banks that make leveraged loans are also facing pressure from the government to reduce their exposure to such lending.

49.   Banks that make loans to small businesses are no doubt sighing in relief.

50.   Banks, unhappy with the limit, have refused to make short-term loans.