71.   Recently, a major financial institution had the goodness to support a recital series of important artists in a major concert hall.

72.   Robert Crane, president of the Joyce Mertz-Gilmore Foundation, which supports several cultural institutions, suggested that most institutions already had their major allies sewn up.

73.   Schools that compete in Divisions II and III will continue to operate under a structure in which each institution has one vote in the legislative process.

74.   So savings institutions have an incentive for premiums to be as low as possible once the target is reached.

75.   Some admissions officials caution that virtual tours are not always representative of what an institution has to offer.

76.   Some institutions have by now taken sides.

77.   Some financial institutions have rules limiting the amount of junk-rated debt they are allowed to hold.

78.   Still, some experts say institutions have no option but to find ways to operate more efficiently.

79.   Such institutions had a vested interest in seeing companies such as CellPro succeed.

80.   State institutions may have to rethink the demands they place on their executives at the expense of families, Reed said.