81.   Before opening an account, securities firms typically have investors sign agreements to use industry-run arbitration, not the courts, in a dispute.

82.   Biotech firms have huge incentives to attack these respiratory ailments.

83.   Biotech investment has posted record numbers, and even smaller firms have cash in reserves.

84.   Both firms have securities clearing businesses, which benefited from increased trading, analysts said.

85.   Both firms have some retail distribution through brokers that cater to wealthy individuals.

86.   Both firms also have telephone-order businesses.

87.   Both Merrill and Mercury hope that their combined firm will have better international balance than either does by itself.

88.   Bonds also may decline in the next few days if securities firms have trouble selling the Treasuries they bought from the government this week, Gunn said.

89.   Braverman notes that most of the calls he receives are from managers whose firms do not have termination policies or procedures.

90.   -- Allow firms to have intercompany transfers or pass-throughs without having to pay a tax.