TY - BOOK AU - Gray, Janet L AU - Harvey, Thomas W TI - Quality values banking : effective management systems that in create earnings, lower costs, anD provide competitive customer service SN - 0 471 55009 4 U1 - 332 .1 PY - 1992/// CY - New York PB - John Wiley and Sons ,Inc KW - customer services KW - qualIty control ER -