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WASHINGTON (Reuters) - Banks in the United States kept tightening lending standards and terms for both business and consumer loans over the past three months out of concern about a weakening economic outlook, according to a Federal Reserve survey issued on Monday. ADVERTISEMENTThe April survey of senior loan officers at 56 domestic banks and 21 U.S. branches and agencies of foreign banks also underlined that demand for loans from businesses and consumers was weaker -- though not as markedly as in January."Substantial majorities of domestic and foreign respondents pointed to a less favorable or more uncertain economic outlook and to a worsening of industry-specific problems as reasons for tightening their lending standards on C&I (commercial and industrial) loans over the past three months," the Fed said.Harm Bandholz, an economist with UniCredit Markets, said the Fed findings implied that a broad-based credit crisis "has spilled over to the real economy and will continue to weigh on investment and consumer spending for some time."That will be accentuated by declining job opportunities, Bandholz suggested.aocaoc forumaoc forumsaoc wikiaoc guildsaoc podcastaoc flat screen monitoraoc monitorsaoc mapsaoc leveling guideaoc systemsaoc portalaoc guild rulesaoc is already running erroraoc general betanc aocaoc 7f monitor repair manualaoc feat calculatoraoc bugsaoc computer monitoraoc flat panel monitoraoc exp ringdrivers aoc 19mvwkaoc wikianorth carolina aoc603 aocaoc 7lr monitoraoc cheatsaoc assassinaoc beta keyaoc taliaoc solar lightincreasing aoc frames per secondaoc training task listsaoc reviewsphilippine aviation regulations aocaoc 177s-1 driver downloadaoc internationalaoc betaaoc barbarian guideaoc botaoc beta accounts for salebelinea and aoc comparedconsumer reviews of aoc 2216sw monitoraussie aoc guildchief nurse recommendation for aoc changeaoc remediation guidanceaoc ranger buildda 4187 for amedd aoc changeaoc tali mapconan onlineage of conan onlineage of conan powerlevelingage of conan moneyconan goldage of conan powerpower leveling for age of conanage of conanage of conan and goldgold for age of conanage of conan money techniquesage of conanaoc levlingaoc power levelingage of conan easyage of conan online gamegorga gold aocquesthelper age of conan"age of conan" (gold)age of conan o or guild warsage of conan on-lineage of conan power level guide freeage of conan power leveling low priceage of conan powerlevelling servicesage of conan sell goldamerican age of conan levelingconanconan age offconan powerlevelinglast chaos forgotten talismanprice of conan onlinesell your age of conan gold"age of conan power"age of conan currencyTalisman Online goldTalisman Online power levelingcheap Talisman Online goldTalisman Online moneybuy Talisman Online goldbuy Talisman Online moneyJobs have been lost in each of the first four months of 2008, according to government statistics.Fed policy-makers may have had the outlines of the loan officers' report when they decided last week to reduce official interest rates another quarter percentage point.