81.   Both Ford and GM must set aside capital to shore up the balance sheets of the credit businesses as they make more loans.

82.   Business executives say the small banks have been beating the bushes recently, competing aggressively to make business loans.

83.   But a bailout that holds some foreign investors harmless suggests that they can make imprudent loans with impunity.

84.   But bankers are seeing enough loans from earlier years go sour that they are scared to make risky loans now, as the economy weakens.

85.   But banks still struggle in making loans to Hispanics.

86.   But investors were allowed to count good will as part of the capital reserves against which they could make loans.

87.   But it, too, makes loans for development.

88.   But Japanese, European and U.S. banks were also faulted for eagerly making loans despite growing evidence of possible defaults.

89.   But like most large Russian banks, it made questionable loans to related companies or gambled large sums on risky securities.

90.   But loans were often made for more than sound banking reasons.