WASHINGTON -- As the American Bankers Association prepares to bring up the curtain on its 1993 convention, the world is looking like a "kinder, gentler" place to bankers like Donald M. Karp, chairman of Broad National Bank, Newark, N.J.

Gone are the years of escalating real estate losses, scorched balance sheets, and sneering examiners. Also gone are the days of crisis, in which the industry swallowed a mountain of new regulations as the price tag for the government-backed rescue of the Bank Insurance Fund.

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