Mr. Tozer was in charge of Marine Midland's corporate, institutional and international sector.

Because of broad demand from the institutional and retail sectors, the size of the issue was increased from $150 million.

Operations also exist within the institutional sector encompassing hospitals, schools and universities.

Somerset does not collect recyclables for the commercial and institutional sectors, but corporations generally hire a hauler, Mr. DeFeo said.

This suggests that certain Third World countries, or institutional sectors within them, which were once in the thrall of dependency, can escape and reverse their previous disadvantage.

Through meetings with representatives from the academic, business and institutional sectors we promote the sharing of different experiences and partnership agreements.

However, from the viewpoint of understanding vulnerability, there is analytical interest in the potential impact of contingent liabilities on an economy and on particular institutional sectors, such as government.

Over all, of every 100 tons of wastes produced by the city's residential and institutional sectors, about 15 tons are diverted for recycling, according to the city.

Our market is dominated by individual shareholders who are mainly short-term speculators, and the institutional sector is very weakly developed.

All of the decline came in the institutional sector, whose assets fell more than $1.8 billion, to $62.1 billion.