51.   Likewise, a few foreign banks are paying interest, instead of earning interest, for clients to borrow their money.

52.   Low-cost accounts are an attractive feature, as are the relatively high interest some online banks pay on checking accounts and CDs.

53.   Many big banks still pay more.

54.   Lower interest rates, in addition to boosting lending, allow banks to pay less for deposits.

55.   Money managers preparing their year-end reports are starting to steer clear, making the banks pay even more to borrow.

56.   Most investment banks pay senior employees based on their individual performances as well as the overall profits of the businesses in which they work.

57.   Net interest income is the difference between what the bank pays on deposits and its income from lending.

58.   Net interest income is the difference between what banks pay for their deposits and what they earn investing and lending that money.

59.   Now the real negotiation begins, over how much the banks will pay.

60.   One bank representative said he is also concerned about possible shareholder lawsuits if his bank pays more toward the bailout than it is legally obligated to.