Mark K. Vitelli First vice president, consumer lending, People's Bank, Bridgeport, Conn.

Q.: Have new risk management techniques compensated for the risk inherent in the fast growth of consumer credit in recent years? Yes, I believe they have. The capabilities and the availability of data, the capabilities of . . . data base systems and the improvement in PC technologies have allowed more information be accessible more quickly and to be acted upon in a faster time frame.

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