1.   Even though California banks are not rushing to announce new ATM fees, researcher Shields expects many will impose them.

2.   Some places have even seen the publicity over new fees attracting extra visitors.

3.   The new fee structure deters the use of deputies and means that increasing claims effectively lead to Decreased payment for each visit.

4.   Other changes include high, higher charges for hotels, a new fee for car radios, and an increase in specialist programmes, funded by subscription.

5.   Already, some online brokerage firms, hard hit by the collapse of the Nasdaq, are raising commissions and charging new fees, Smith said.

6.   And cities, water districts and other units of local government are reluctant to tread on private-property rights or to impose new fees or taxes.

7.   And the organization said the new fee system will be fairer to people who are paying for the real-time data.

8.   Another change lowered new fees that corporations would face under the bill when they hire legal immigrants.

9.   Bank executives defend the new fees, saying they must cover the costs of operating ATMs.

10.   Bank representatives say institutions have to charge the new fees to finance the growing number of ATM machines.