91.   School-based social workers in New Bedford and Lakeville, Mass. say managed care has been their biggest obstacle to helping youngsters.

92.   Several writers who vote for the Heisman said the two biggest obstacles for McNair are playing a Division I-AA schedule and a lack of publicity.

93.   Similarly, Koehn says she was initially her own biggest obstacle.

94.   She cited the fund-raising challenges facing women as her biggest obstacle, one dramatized when her husband sent a contribution to a GOP rival, John McCain.

95.   Smoltz said his biggest obstacle is arm strength.

96.   Staying healthy proved to be the biggest obstacle for Fiedler.

97.   Studies show that saving money for a down payment is the biggest obstacle facing wannabe home buyers.

98.   Taxes were the biggest obstacle to the deal.

99.   That lifted the biggest obstacle any potential bidder faced in making a run at the property, analysts said.

100.   The biggest obstacle facing the Orioles is finding someone, anyone, willing to take on the enigmatic Belle, whose actions have become more disturbing over the years.