The wrong middle initial was given for the author of the Nov. 3 Comment piece "A Bathtub View of Loan-Loss Reserves" (page 34). He is Joseph F. Sinkey Jr.

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The headline on a page 30 news brief Nov. 10 misidentified the agency that granted Jackson National Life Insurance Co. permission to buy First Federal Savings and Loan Association of San Bernardino. The article itself had it right: the Office of Thrift Supervision.

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