71.   He went through his retirement fund, his home equity and his share of the family business.

72.   Hibernia Savings Bank offers residential and commercial real estate mortgages, construction loans and home equity lines of credit.

73.   Home equity and mortgage debt were not included in the calculation.

74.   Home equity lenders focusing on so-called subprime borrowers, those with bad credit or little credit history, are probably most vulnerable, he said.

75.   Home equity lending is dead.

76.   Home equity loan bonds are stable and will hold up even as interest rates move lower, she said.

77.   Home equity loans are expected to jump, making them less attractive as vehicles to consolidate debt.

78.   Home equity loans have advantages over some other forms of credit.

79.   Home equity loans, for instance, are tied directly to the prime rate, which in turn, is linked tightly to the short-term rates the Fed controls.

80.   Homeowners feeling burdened by bills can lower their debt payments by taking out home equity loans, which they use to pay off credit cards and other bills.