51.   Banking industry analyst Jim Bradshaw, a former California banking regulator, said he believes the Washington Mutual formula will work well here.

52.   Banking industry analysts in Dublin and London say a relatively small European institution like Allied Irish has no place in the highly competitive American retail banking business.

53.   Banking industry analysts said the deal would encourage other large financial companies around the world to pursue mergers of their own to remain competitive.

54.   Banking industry analysts say that Japanese regional banks badly need to consolidate and lower costs, but progress has been slow.

55.   Barbara Dreyfuss, a Washington area health industry analyst with Prudential Securities, said a Democratic victory on Tuesday may trigger another drop in pharmaceutical company prices.

56.   Banking industry analysts have found that poor customers are as likely as rich customers to be profitable for a bank, but poor customers sometimes require more loan counseling.

57.   Barely five years ago, industry analysts predicted that biotech companies would have a greater success than pharmaceutical companies in getting drugs to market.

58.   Auto industry analysts say the luxury car market is softening, not collapsing.

59.   Bayer executives and industry analysts said the company was not likely to get rich from the anthrax alarm.

60.   Because automated banking is as cheap as most bankers, banking industry analysts warn this premium for human banking is likely to be a trend of the future.