Related by context. All words. (Click for frequent words.) 45 MountainBank 42 PanAmerican Bancorp 42 Pinnacle Bankshares 41 BOKF 40 UBA Zenith 39 CheckFree PEP + 37 Andy Gebru 37 Anderen 37 Multifamily Mortgage 37 Intermediary Distribution 37 Shane Dickert 36 Bankshares Inc. 36 MKB Unionbank 36 Commercial Lender 36 Chase Fieler 36 SCBT 36 Al Arafah Islami 36 Allison Nuzzi 36 Uganda DFCU 35 Cara Leis 35 NCB FSB 35 Selects Edcomm Banker 35 Insured Deposits 35 Marcelo Pereira 35 Prosperan 35 Corey Couturier 35 Banking 35 Dfcu 35 Guaranty Residential 34 Drop Doubleheader 34 Turnovers plague 34 Nasdaq FISI 34 Assumes Deposits 34 Holcey 34 Miscues doom 34 BRD Groupe Societe Generale 34 FNNI 34 defenseman Zach Tarkir 34 Inc. NASDAQ UCBI 34 Leeton Mo. 34 CMTY 34 Corbin Wollenberg 34 Tavis Hansen 34 Philip Boampong 34 BankEast 34 Exista hf 34 Cash Advance 34 Bancorp Huntington Bancshares 34 Barnesville Rothsay 34 Psillas 34 keeper Karina LeBlanc 33 Dakota Klecha 33 Helmken 33 Swotek 33 Spolarich 33 NCBJ 33 Obi Aduba 33 FIBank 33 Bournazakis 33 Banks 33 CfC Stanbic 33 FloridaFirst 33 Regions AmSouth 33 Elaine Agather 33 Dunklebarger 33 bankholding 33 Mistakes doom 33 Laura Kastelic 33 Tana Lukes 33 Vietnam Sacombank 33 goalkeeper Athiel Mbaha 33 Cathy Gilliat Smith 33 ralled 32 Conister 32 Wirehouse 32 Girish Pimpale 32 L. Vaill 32 Montreal BMO 32 Sekerbank 32 Allstates Trust Bank 32 outhustled outrebounded 32 cornerkicks 32 Repays TARP 32 InBank 32 Investbank 32 Kookmin Woori 32 Ala'a Hubail 32 Home Loans 32 Darington 32 Regulators Shut 32 FirstPlus 32 Westbury Utd 32 Dumpson 32 Larrone Moore 31 Offered Rate 31 Mortage 31 Synovus 31 BY APRIL EVANS 31 Wachovia SouthTrust 31 Brokers 31 whistled offsides 31 Mirjan Pavlovic 31 Tulodzieski 31 Regulators Shut Down 31 recovering muffed punt 31 HDFC Bank HDBK.BO 31 TeamBank NA 31 Gasuras 31 Zions Bancorp NASDAQ ZION 31 Phikolethu Spelman 31 Syringa Bank 31 Peoples 31 Reward Checking 31 Thrift 31 Stockbroking Houses 31 Intrasweep 31 Nate Bruinsma 31 Mulondo Sikhwivhilu 31 Mowood 31 haltime 31 R. Tabas 31 Bank FIBank 31 Bolanz 31 St.George Bank 31 Turnovers plagued 31 Dorety 31 RBTT Jamaica 31 Bevack 31 Jamaal Charles fumbled 31 DW Whitson 31 Goal Sinks 31 Brickus 31 Cody Blanshan 31 midfielder Sasa Ilic 31 Eddie L. Dunklebarger 31 Beneficial Mortgage 31 Nationstar Mortgage LLC 31 Mortgage 31 · HALFTIME 31 MoreBank 31 Qatar CBQ 30 goalkeeper Avril Phali 30 outdefended 30 lender 30 Financial Intermediaries 30 Jeric Agosta 30 Rapid Bucuresti 30 BY DENNIS BARTLOW 30 Sweetwater Roby 30 Schwindler 30 Braudo 30 Kai Kantola 30 Kagiso Senamela 30 Suisham nailed 30 Bank Mandiri Indonesia 30 Banker Toolbox 30 Simphiwe Mbambo 30 BACB 30 capitalized 30 Charles Dissels 30 Jameson Lundquist 30 Andre Clennon 30 Fifth Third Bankcorp 30 Lipshy 30 Residential Servicer Ratings 30 Syndicated Loan 30 Hartheimer 30 Aggressive baserunning 30 Marinac 30 Nene fastbreak layup 30 Louis Agyemang 30 HSBC Holdings #.HK 30 Merchants 30 BY ROSE SCHMITT 30 Laura Ostrout 30 FDIC Insured 30 LandCap 30 A. Zuschlag 30 Westsound 30 Karur Vysya Bank 30 Outrebounded 30 Clinton Pettapiece 30 Kreighbaum 30 Sedgeman 30 FirstCaribbean 29 Account Handler 29 misplayed bunts 29 RAKBank 29 Shah Munge 29 BankFirst 29 Brian Sumlar 29 Dingaan Masanabo 29 pooch kickoff 29 Leitzman 29 SOUTHAMPTON Mayflower Theatre 29 FCIB 29 jumpball 29 midfieler 29 Kick returner Brandon 29 Bobbitt drained 29 BY MIKE HELENTHAL 29 Inconsistency plagues 29 payday lender 29 seeeded 29 Madziar 29 Sukuk Ijarah 29 Nick Tintle 29 Outshooting 29 Stocks Fluctuate Amid 29 staged stirring fightback 29 Fifth Third Bancorp FITB 29 Ciaran Phelan 29 fieldgoal 29 Mortgage Lender 29 Kyle Capaldo 29 Kofi Nti Boakye 29 recovering fumbled punt 29 Citic Ka Wah 29 alertly pounced 29 Marcellus shale acreage 29 goalie Jeff Jakaitis 29 fumbled kickoff 29 Skating shorthanded 29 Deivid De Souza 29 McCandles 29 glass outrebounding 29 Kelsea Kakadelas 28 Cole Ikkala 28 exchanged punts 28 onsides kickoff 28 romantic comedy Bundle 28 Merdian 28 socred 28 Prince Olomu 28 Danny Heale 28 Jason Vitaris 28 ACR ReTakaful MEA 28 LONG BEACH Mffais.com Suntrust 28 FINANCIAL STOCKS 28 SunTrust Banks Inc. 28 Kristi Harshman 28 Robin Trehan 28 Marfin Popular 28 Dylan Nowakowski 28 Corrothers 28 Sabb 28 NatCity 28 Iberiabank 28 quarer 28 ICICI Bank ICBK.BO 28 Hsbc 28 KeyCorp KEY 28 TeamBank 28 Microfinance 28 Katy Delagi 28 K. Scaturro 28 various nonbanking subsidiaries 28 Total Risked Based 28 Bank 28 HSBC LON HSBA 28 Cece Sutton 28 Pitso Lekone 28 Donna Alvis 28 called Fintage Licensing 28 Carrie Tolstedt 28 Monogram Credit Card 28 FlexiGroup 28 Paulos Masehe 28 muffed kickoff 28 Nurbol Zhumaskaliyev 28 Depository Institutions 28 Regulator OKs 28 midway throught 28 financials firmed 28 Chartway 28 Drac Wigo 28 SZPSP 28 Uniastrum 28 Kauleza 28 Vai Taua fumbled 28 marched downfield 28 David Hisco 28 Mortgage Lending 28 Menkel 28 Nordea Handelsbanken 28 unbeated 28 Homeownership Centers 28 A-/A-2 counterparty credit 28 Morne Schreuder 28 Koena Mathopa 28 recapitalized 28 repays TARP 28 Mortgage Indemnity 27 Lawlor USA TODAY 27 Lightning Sums 27 Rabatin 27 Jenelle Philipczyk 27 Bobby Kukulka 27 Mary Ryken 27 Mcghee 27 Van Ostenbridge 27 RJ Hartsfield 27 firsthalf 27 scrappy 27 teams traded sideouts 27 Pereira Celis 27 boss Co Adriaanse 27 Mortgage Banker 27 Noelle Gormley 27 muffed handoff 27 Harry Elmes 27 Lowers Prime 27 defended stoutly 27 India SBIN IN 27 Nikita Kashirsky 27 Ikenwa 27 Ersin Özince 27 Afribank Nigeria 27 Jimmy Tallent 27 howler gifted 27 Heimbigner 27 Ajay Bimbhet 27 Bks 27 Allstates 27 Mortgage Originators 27 muffing punt 27 MD Cas Coovadia 27 Devils Sums 27 Kotak Mahindra ICICI Bank 27 Subprimes 27 Pudner 27 Omar Quintanilla homered 27 Donius 27 Daisuke Matsuzaka wildness 27 Ameribank 27 dominated territorially 27 Grant Syrette 27 NPL ratios 27 Quality Ounce 27 Thrashers Sums 27 HBOS BankWest 27 NYSE CBK 27 Bratley 27 Risk Mgmt 27 Citzens 27 subaccounting fees 27 ENBD 27 Bankof 27 Scotland RBS.L Barclays BARC.L 27 fortuitous carom 27 Clement Mazibuko 27 VanHuss 27 Jimmy Gopperth kicked 27 RoundPoint 27 Meecorp Capital Markets 27 Agnelo Colaco 27 Mizuho UFJ 27 TARP Repayment 27 secondhalf 27 Svetozar Mijin 27 goalie Alex Petizian 27 Credit Card Defaults 27 capitalization 27 Lee Townrow 27 volatile Milanka Price 26 Debit Card Fees 26 Craig Olynick 26 Kunnen 26 breakaway layups 26 Curtis Leinweber 26 heavyweight HSBC Holdings 26 excluding BIBP 26 nondepository 26 Vampire Huntress 26 Subprime Lenders 26 Itau Unibanco ITUB 26 Lawrence Tynes booted 26 Fitzgerald Finian Rainbow 26 Former HomeGold 26 defender Rooi Mahamutsa 26 methodically marched 26 Bennet Chenene 26 Rwanda BNR 26 FirstFed Financial Corp. 26 Fannies 26 Congressionally chartered wholesale 26 fundamentally sound 26 upstreamed 26 Ben Arnt 26 Microfinance Institutions 26 Liu Chong Hing 26 Chris Ciriello 26 Tony Tsabedze 26 Payday Lenders 26 OLINT 26 Jurie Basie 26 JD Learnard 26 Cooper Hohn 26 BY CAROL HICKS 26 AmTrust 26 Finance Brokers NACFB 26 Baroda Canara Bank 26 turnover 26 Rhinebeck Savings 26 Eveans 26 Phil Stebbing 26 insured depository 26 Toris Rutledge 26 Hbos 26 Worst Performers 26 Rob Wimble 26 Kemmerle 26 scored 26 remained unbreached 26 ARB Apex Bank 26 Frazier Climo 26 Vertex Teller 26 IMFB 26 Standard Chartered LON STAN 26 Bofa 26 Imagine Dateline NBC 26 Subprime Fallout 26 SBI PNB 26 played keepaway 26 Matt Noiles 26 MICHAEL JENKINS 26 CountryWide 26 Alfred Effiong 26 Ndaira 26 Uco Bank 26 Isak Quakenbush 26 Shorebank 26 Tevrow 26 ballhawking defense 26 Hotel Lessee 26 defenses stiffened 26 untracked offensively 26 Repay TARP 25 Domestic Brokerage 25 cornerkick 25 Ayala Hil 25 fluffed gilt edged 25 Siem De 25 UFJ Mizuho 25 Loan Delinquencies 25 Chen Xingyu 25 Hester 25 Depository 25 Piawi 25 #-#-# TVL 25 Mcrae 25 DeVolld 25 Mutuals 25 ComBanc Inc. 25 Fixed Rate Mortgages 25 embarrassing baserunning blunder 25 Capital Adequacy 25 defend stoutly 25 pivot Jamie Soward 25 Equitorial Trust Bank 25 Community Bankers 25 Outshot #-# 25 goalmouth scramble ensued 25 Well Capitalized 25 bank 25 Cousins BDN Staff 25 regrouped 25 CUs 25 #/#-minute stretch [002] 25 Subprime Losses 25 Andreas Lilja interference 25 nonperforming asset 25 contrasting halves 25 uncharacteristically sloppy 25 goalkeeper Francis Chansa 25 Egypt NBE 25 Harald Zwart Agent 25 Mortgage Brokers 25 fought gamely 25 Russel Mwafulirwa 25 miskicked clearance 25 Odut 25 score 25 Bancshares NASDAQ DCOM 25 Commods 25 Raises Interest Rate 25 M. Kosin 25 Lender 25 German Pfandbrief 25 scrappily 25 Bluestone Mortgages 25 Van Skaik 25 Chairman Sergei Ignatiev 25 withstood furious 25 Loan 25 Hullensians 25 Partly nationalized 25 cooly slotting 25 HSBC HSBA.L Barclays BARC.L 25 keeper Senzo Meyiwa 25 Josh Pacana 25 Lizzie Stenhaug 25 significantly undercapitalized 25 nonperforming loans 25 Jervis Manupenu 25 coach Manny Mantrana 25 Mortgage Woes 25 Benik Afobe 25 Schmalzer 25 HDFC ICICI Bank 25 Keegan Meuer 25 outchancing 25 ruthlessly punished 25 Derek Docken 25 faultered 25 Mykeal Terry 25 acquisitions divestitures strategic alliances 25 GSEs Fannie 25 scoring 24 Bank Hapoalim LSE BKHD 24 Ranee Jayamaha 24 NBFI 24 S. Elbaum 24 AmericaBAC 24 IDBI ICICI Bank 24 Pawnbrokers 24 Winterboer 24 overpursuit 24 Toskala pads 24 Merchant 24 SUBPRIME TODAY 24 Financial Institutions CDFIs 24 Bad Debts 24 Binck 24 SBIC subsidiary 24 Mckenney 24 Tom Phipp 24 Ficalora 24 Oliver Brennand 24 Freeman 24 weighted grubber 24 Equitable Mortgages 24 Jon Sitko 24 & Leicester ALLL.L 24 Kyle Makaric 24 Sundogs outshot 24 Ms Kochhar 24 Defensive lapses 24 defender Alexandr Kuchma 24 FHCs 24 ANZ ANZ 24 Artem Dzyuba 24 Munchenberg 24 NCUA 24 Shingle Springs Tribal 24 India SBI.BO 24 depositors 24 #.# bln rbs 24 ensuing possession 24 fielding miscues 24 mortgage lender 24 Currency 24 Realised Earnings 24 Hunt 24 unforced forehand 24 lacked killer instinct 24 Mario Ziccardi 24 Annie Dellasega 24 Balding Bandit 24 HBOS.L 24 Prezzy 24 NewMil 24 faked punt 24 Erase Gains 24 Sieprath 24 Indianapolis FHLBI 24 fumbled punt snap 24 workers union Finsec 24 substituted liberally 24 defensively postured 24 Mopper 24 Newark Del. Ben Nuckols 24 Winger Luke Covell 24 ResMor Trust 24 RBS NatWest 24 Matus Petricko 24 Steve Steinour 24 Ghana BOG 24 recovered fumbled punt 24 accounts receivable factoring 24 Poskon 24 Gaby Abdelnour 24 outplayed 24 relentless forecheck 24 Holborn Assets 24 Turkey Finansbank AS 24 banking 24 freethrow line 24 Iceland Glitnir 24 Mduduzi Nyanda 24 C. McNaughton MASc 24 Outscored #-# [001] 24 Marc Mihulka 24 Bankers 24 despite outgaining 24 T. Nicastro 24 Victoriaville #-#-#-# 24 #CH# [002] 24 Banker 24 Humberto Suazo equalized 24 outbattled 24 Standard Charted 24 outpassed 24 nonbanking 24 EUROPEAN FIG BONDS WRAP 24 Mark Wathes 24 Matt Bramald 24 ALLIED Irish 24 defender Shaun Pejic 24 Financial Institutions 24 unforced mistakes 24 coversion 24 Washington Mutual WM 24 Papa Waigo N'Diaye 24 Dean Papali 24 Fedbond 24 Plc NRK LN 24 stanza 24 BoA 24 Sunward Resources 24 Cornel Chin Sue 24 Jennifer Connelly Winona Ryder 24 Lending 24 Reigatians 24 Interfund 24 mortage lender 23 outskated 23 Jack Obersteller 23 undrawn revolving 23 AK Khandelwal 23 Kamel Chafni 23 Afribank Intercontinental Bank 23 adavantage 23 Tenhundfeld 23 keeper Eugene Galekovic 23 America NYSE BAC 23 recovered muffed punt 23 Interest Rate Hike 23 Herring 23 Group LLOY.L 23 Adequately Capitalized 23 Lockett 23 Beideman 23 Barber 23 miscued header 23 properties collateralizing 23 Default Swaps 23 Tim Karsky 23 Haigood 23 Tucker 23 Colin Marrison 23 MMCB 23 jumped offsides 23 Credit Card Issuer 23 D. Steverson 23 K. Thorp 23 Zane Winslade 23 woeful backpass 23 Van Der Stad 23 Joseph Torbey 23 Transsib Re 23 circle penetrations 23 #-#-# #-#-# ECACHL [003] 23 CenTrust 23 Woodbery 23 Rob Blackburne 23 HOT SHEET 23 Mahoa 23 substitute Marlon Harewood 23 Unforced errors 23 MV Nair Chairman 23 Siri Nordby 23 analyst Anthony Polini 23 singlehandedly outscoring 23 Wells Fargo NYSE WFC 23 Brent Kettelkamp 23 Federico Almerares 23 Alipate Tuilevuka 23 Hudson Tonga'uiha 23 Goalscorers 23 FHLBanks 23 adequately capitalized 23 keeper Peter Gulacsi 23 Standard Chartered STAN.L HSBC 23 Market Brokers JMMB 23 underleveraged 23 Schwarts 23 Fergurson 23 Banks AIB 23 Gilfedder 23 shanked punt 23 thirdand 23 Sarvanjit Singh 23 Turberville 23 Bailed Out 23 Alan Tabone 23 First BankAmericano 23 unforced turnovers 23 Ciaran Potts 23 Holloday 23 Reece Hunn 23 Mpho Makola 23 IceRays outshot 23 goalkeeper Bo Oshoniyi 23 Tomas Janak 23 Dingane Masanabo 23 Ondrej Kudela 23 Loan Portfolios 23 breakway 23 Yother 23 defending stoutly 23 Taylor Mehlhaff kicked 23 stockbrokerage firms 23 uncharacteristically erratic 23 goalie Christobal Huet 23 Brokerages 23 Olint 23 Russaw 23 Capitalisation 23 Steward Ceus 23 BofA Citi 23 Wamu 23 deked Lundqvist 23 Danny Pointon 23 HSBC 23 Charles Funches jumper 23 ICICI HDFC 23 Trevor Hendrikx 23 Nelms Discover 23 Rodolfy 23 Marcel Noebels 23 Ruccio 23 Unforced turnovers 23 Credit Unions 23 TS Narayanasami 23 Pawnshops 23 Rob Edmans 23 backline marshalled 23 dominating territorially 22 winger Fionn Carr 22 Credit Card Issuers 22 upperhand 22 mortgage originators 22 plowing lone furrow 22 BOEs derived 22 BANKS 22 Swipe Fees 22 Jade Portwood 22 sloppy ballhandling 22 Sam Ulph 22 Al Wadiah 22 slack backpass 22 Rate Bets 22 banks RRBs 22 muffed punt 22 lenders 22 Ross Ohlendorf pitched 22 Westpac ANZ 22 lacked cohesion 22 Greytown Tuhirangi 22 Welch Icon SMI 22 Nemat Shafik deputy 22 uncharacteristic miscues 22 onsides 22 Joseph Evangelisti spokesman 22 Intangible amortization expense 22 fourthquarter 22 Wysaske 22 Faida Investment Bank 22 Keeps Interest Rate 22 Martin Deanov 22 Callioux 22 Freed Amy Forliti 22 keeper Carl Ikeme 22 Patrick Tignyemb 22 M. Warsh 22 Yeowart 22 de novos 22 OCC regulates 22 Stocks Slammed 22 Teo Swee Lian 22 BoNY Mellon 22 nonperforming assets 22 Ergasias SA 22 Risky Loans 22 Banks ALBK.I 22 Alex Corduff 22 lacked incisiveness 22 Holds Rates Steady 22 Shivender Singh 22 Wolking 22 Cesar Prates 22 Systemically Important 22 Defences dominated 22 facemask penalty 22 muffed snap 22 Gary Sippetts 22 RATE FUTURES REPORT 22 Infochoice 22 Hapoalim OTHER 22 crosscourt volley 22 downward repricing 22 Ergic 22 Covered Bonds 22 Marchand backhanded 22 Croskery 22 Shonn Greene fumbled 22 Spreads Widen 22 Durden 22 margins NIM 22 Killer instinct 22 Obi Muonelo answered 22 executed squeeze bunt 22 LBDP 22 deservedly equalized 22 Dan Retter 22 Sebastian Svard 22 Eastmain gold 22 Marek Kulic 22 A. Widlak 22 equitized 22 Goist 22 defended resolutely 22 Contempomi 22 Nolan Youngmun 22 Lending Rates 22 Tim Wedderburn 22 Monsef Zerka 22 shotless 22 Pawnbroking 22 Michals 22 Financials firmed #,# 22 outshot 22 Rex Schuette 22 Henagan 22 Bank ZNCB 22 Hugo Rodallega equalized 22 Waters 22 poinst 22 financials firmed #,# 22 WellsFargo 22 Jack Shaylor 22 Legzdins 22 Matthews 22 Machiela 22 Brooke Andersh Watertown 22 BANK AMERICA 22 outmuscled 21 critically undercapitalized 21 integrate restructurings consolidations 21 hounding Pearlman 21 Carey 21 Desmond Breakenridge 21 Bankers Association 21 Anizoba 21 ROAE 21 Interchange Fee 21 goalkeeper Maikel Aerts 21 DBS UOB 21 Keeps Rates Unchanged 21 Amla batted 21 Aurigen 21 flattering scoreline 21 Gassen 21 Blemain Finance 21 Default Swaps Show 21 Regions Financial 21 Primelead 21 strength ratings BFSRs 21 Leighton Flaws 21 Schaft Creek mineral 21 AK Purwar 21 Leahman 21 goalie JP Levasseur 21 Reuben Marambii 21 Siefers 21 botched punt 21 Hunter 21 offsides trap 21 TS Narayansami 21 Hadleigh Parkes 21 thelead 21 Tyler Evoy 21 Errie Claassens 21 ABCUL 21 Nicky Phinn 21 Barclays BARC.L 行情 21 Group LYG 21 hald 21 McGathey 21 Dodridge 21 unconscionable hurtful 21 Daryl Kavanagh 21 Ciaran Curley 21 IIBI 21 goalkeeping error 21 Fryzel 21 misplayed 21 Risk Weighted 21 Director Harald Zwart 21 Kuwait CBK 21 FDIC insured deposits 21 Gopperth kicked 21 Garegin Tosunyan 21 Capitalization 21 Lenders 21 Excess Liquidity 21 Credit 21 notional intergroup debt 21 AFBS formerly Therics 21 HN Sinor 21 TBTF 21 J.P. Morgan Chase 21 Zooey Deschanel Emily Mortimer 21 battled valiantly 21 drubbed 21 Untimely penalties 21 Idris Kameni 21 Amlin Bermuda 21 breakaway 21 spokeswoman Christine Holevas 21 Mortgage Servicers 21 FHLBs 21 Nonbank 21 Afribank Finbank Intercontinental 21 Tomas Hubocan 21 Deon Mouton 21 Cianciola 21 HSBC Holdings 21 Mounting defaults 21 Leaves Rate Unchanged 21 ATEbank 21 forecheckers 21 Jenkins 21 Unsecured Personal 21 HBOS HBOS.L 21 W. Stecher 21 Liar Loans 21 miscued clearance 21 misplay 21 clever grubber kick 21 EMBI Global 21 Willis 21 Momentum swung 21 Layups runners 21 ER# Derrick 21 Mortgage Defaults 21 Milagres Gonsalves 21 BarCap Barclays Capital 21 defensive lapses 21 Interest Rate Hikes 21 Missed layups 21 FDIC 21 SBI Canara Bank 21 RW Niklas Hagman 21 Grigoris Makos 21 USOGP 21 institutions FIs 21 Dorway 21 Unsecured Loan 21 Ratliff 21 defensively 21 Rates Unchanged 21 Morgan 21 incompetent bunglers 21 Federally chartered 21 Ambac MBIA 21 Toby Lafrance 21 Kakawa Discount House 21 Mortgages 20 Sam Bettinson 20 FDIC insured institutions 20 Riggs 20 Territorially 20 Rebber 20 Arfstrom 20 Outstandings 20 banks 20 Banking Supervision 20 Noah Goss Woliner 20 Hedgespeth 20 Saunders 20 Tarachulski 20 Purchase Agreement SBPA 20 yard fieldgoal 20 miscues 20 clever grubber 20 outguns 20 Hines