NEW MONEY MERCHANTS
A BANK, so the old saying goes, is a place where you can always get a loanwhen you don't need one. While this may have been true in the past, bankers are now rapidly changing their ways. The main reason is that some of their major functions are being usurped by some hard-selling upstarts eager to lend money. They are the nation's 6,000 savings and loan associations, which represent the fastest-growing financial business in the U.S. As their name implies, savings and loan associations have two main functions: 1) to help people save their money, 2) to supply...