71.   Some banks offer their customers cards that store money to be used at retail shops.

72.   Some banks also are offering guarantees to pay these total compensation packages for two years or longer, bankers said.

73.   Some banks offer their own on-line service services with charges lower than those they impose if you use Quicken or Money.

74.   Some local banks are offering personal computer banking products that enable customers with computers to do their banking without having to set foot in a branch.

75.   Smaller banks can offer the personal touch and access to what Galloway called the major decision makers.

76.   Some banks already offer insurance and securities at home and a still wider array of financial products abroad.

77.   Some banks also offer more liberal income qualifying ratios.

78.   Some large banks already offer direct Internet access through proprietary software, she added.

79.   Still, there are no plans to allow foreign banks to offer commercial banking services in Cuba, Sanchez said.

80.   Thanong said many foreign banks were offering to lend billions of dollars to help Thailand with its financial crisis.