61.   Lower borrowing costs may encourage more consumers to increase their spending and more bank customers to repay their overdue loans or arrange new credit.

62.   Many Democrats also complained that the legislation did not go far enough in protecting the privacy interests of bank customers and patients.

63.   Many bank customers in Russia were large banks that collapsed in the wake of the financial crisis there last year.

64.   Many Democrats also complained that the legislation did not go far enough in protecting the privacy interests of bank customers and medical patients.

65.   Longtime bank customers also learned the hard way that mutual-fund investing can be hazardous.

66.   Mergers often mean poorer service and higher prices for bank customers, according to consumer advocates and congressional critics.

67.   Mondex allows bank customers to electronically load cash onto smart cards -- plastic cards with a computer chip -- from automated teller machines or over the telephone.

68.   Mondex is unique among payment cards because it allows bank customers to electronically transfer cash from other card holders, as well as automated teller machines and special telephones.

69.   More important, efforts to ban the surcharges are apt to backfire and cause bank customers more harm than good.

70.   Moreover, the typical bank customer may be more interested in mutual funds than in individual stocks.