111.  And growing competition from other financial service companies has carved deeply into bank profits.

112.  And in the financial services industry, I also like the brokerage industry.

113.  And Security First Network Bank, now based in Atlanta, offers a series of financial services over the Net.

114.  And it is trying to sell itself to customers as a one-stop financial services house with mutual funds and insurance.

115.  And many have been dissatisfied with the financial services they have tried.

116.  And that is good because the financial services companies tend to be among the first to come out strong in a recovery.

117.  And the life insurers are happy to be able to focus on selling life insurance and other financial services.

118.  And Schwebel expects to fill the airline, computer and financial services categories as well.

119.  And we are looking at interest-sensitive areas that pay dividends, like utilities, high-quality financial service stocks and integrated oil companies.

120.  And then they will be heavy in financial services stocks.