1. They resented standing in line while tellers explained money-market accounts and no-load funds to prospective investors.

2. Money-market fund managers are traditionally large participants in the commercial-paper market, where companies and banks finance near-term obligations.

3. "The tax-exempt money-market funds are just afraid to lend, " says Mr. MacIntosh.

4. An American money-market fund, supposedly the safest of safe investments, this week became the first since 1994 to report a loss.

5. Money-market funds, which hold $684 billion of government and agency securities, are allowed to hold government paper that has been downgraded a notch.

6. Long-term bond issues have become scarce and American money-market funds, hitherto buyers of short-term bank bills, are running scared.

7. They adopt the money-market interest rate as their interest rate.

8. When stock prices are volatile, investors often flee the market in favor of less risky money-market mutual funds.

9. Calculate how your portfolio is divided among stocks, bonds and supersafe investments such as money-market funds and certificates of deposit.

10. The Bundesbank left its discount rate unchanged yesterday, after lowering a key money-market rate Wednesday.

11. Instead(), you can deposit them into a bond or money-market fund.

12. Such moves reduced the amount of short-term loans made by money-market funds to companies and banks in the commercial-paper market, gumming up an important pipe in the financial edifice.

13. Treasury Secretary Tim Geithner. The Treasury announced Friday that it was withdrawing emergency insurance for money-market funds, a sign of improving confidence in the economy.

14. European banks have long been short on deposits relative to their assets and have made up the difference by short-term borrowing, largely by selling short-term notes to U.S. money-market funds.