111.   Although churches are making concerted efforts to diversify their congregations and leadership, the process has been slow, church leaders and church-growth experts say.

112.   Although executives refused to say anything about how their weekend went, retail experts said Wal-Mart stores were jammed from coast to coast.

113.   Although Herenton is leading in the polls, experts say the Fords have a lot of admirers in the black community and a talent for getting out the vote.

114.   Although MBNA and several other credit card issuers have been wrapping themselves in the flag in recent weeks, some experts say their intent is not necessarily altruistic.

115.   Although Giuliani made some strides in this area, housing experts say that it never emerged as a top priority of his administration.

116.   Although he has not publicly aligned himself with national extremist groups, experts say the person or group should not be too quickly discounted.

117.   Although many states provide for sanctions, legal experts say, most limit the fines that can be imposed in a single case.

118.   Although Mars mania is sweeping the nation, industry and marketing experts say it may be appealing most to baby boomers.

119.   Although some Ritalin is taken by adults or sold illegally, experts say the amount is statistically too small to affect the analysis.

120.   Although such cases raise questions about occupational hazards, experts say the number reported is within the range of what would be expected by chance alone.