1.   Public institutions need to be democratised and decentralisation is necessary in the public domain in order to achieve active citizenship.

2.   Big international institutions need to assure that their policies work for all levels of society.

3.   Alas, this is a problem many financial institutions need to address.

4.   But each decade, any institution needs to stand back and rethink what visitors want to know and the best way of presenting it to them.

5.   But each institution needs to be judged anew.

6.   Financial institutions need to make long-term commitments if community redevelopment projects are to be successful, Federal Reserve Gov. Laurence Meyer said today.

7.   Financial institutions will need to liquidate stocks and bonds to shore up their bottom lines.

8.   He acknowledged that university officials sometimes worried that very large gifts could deter others from giving on the theory that the institution did not need more money.

9.   In his speech, Sakakibara said that Japanese financial institutions need to take a more global approach to asset management.