61.   Credit cards, debit cards and other electronic banking tools could speed up Russian banking, but not until Russian telephones improve.

62.   Credit cards, debit cards, bank cards and transit fare cards already stuff the wallets of sophisticated New Yorkers.

63.   Customers will receive funds by direct deposit, use a debit card to shop at stores accepting such cards or make withdrawals at automated teller machines.

64.   Customers can write checks and use debit cards that draw on the account and get preferred rates on credit cards.

65.   Consumers generally use the debit cards for small purchases at grocery, liquor and other stores where they used to spend cash or write checks.

66.   Consumers increasingly are using debit cards instead of cash or checks to make purchases and to withdraw cash from automated teller machines.

67.   Debit cards are linked to bank or money market accounts and used to make purchases or withdraw cash.

68.   Debit cards have been around for decades.

69.   Debit cards have been rapidly gaining in popularity as banks have mailed them out to customers as replacements for their automated teller machine cards.

70.   Debit cards have some advantages on credit cards.