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41. While larger banks can afford to maintain their own data-processing operations, many smaller regional and community banks are finding that the costs associated with upgrading data-processing equipment and with the development and maintenance of new products and technical staff are prohibitive.

42. Quasars, at billions of light-years from Earth the most distant observable objects in the universe, are believed to be the cores of galaxies in an early stage of development.

43. Five fledgling sea eagles lt their nests in western Scotland this summer, bringing to 34 the number of wild birds successfully raised since transplants from Norway began in 1975.

44. The automotive conveyor-belt system, which Henry Ford modeled after an assembly-line technique introduced by Ransom Olds, reduced the time required to assemble a Model T from a day and a half to 93 minutes.

45. According to some analysts, the gains in the stock market rlect growing confidence that the economy will avoid the recession that many had feared earlier in the year and instead come in for a "soft landing," followed by a gradual increase in business activity.

46. Long bore it was fashionable to be an expatriate, and she remained in France during the Second World War as a performer and an intelligence agent for the Resistance.

47. By providing such services as mortgages, home improvement loans, automobile loans, and financial advice, and by staying within the metropolitan areas, Acme Bank has become one of the most profitable savings banks in the nation.

48. The report recommended that the hospital eliminate unneeded beds, consolidate expensive services, and use space in other hospitals.

49. Many house builders offer rent-to-buy programs that enable a family with insufficient savings for a conventional down payment to move into new housing and to apply part of the rent to a purchase later.

50. It can hardly be said that educators are at fault for not anticipating the impact of microcomputer technology: Alvin Toffler, one of the most prominent students of the future, did not even mention microcomputers in Future Shock, published in 1970.