11.   Benefits will have to be reduced or paid from other tax revenues.

12.   A person filing a claim for jobless benefits typically has a year to draw all the checks to which he or she is entitled.

13.   But he predicted that any drug benefit will have to involve the private sector.

14.   But the benefit has some risks.

15.   During the presidential campaign, Bush was always vague about whether benefits would have to be cut in order to finance his privatization plan.

16.   Either benefits will have to be reduced, or payroll taxes increased or benefit ages raised or some combination of all-of-the-above.

17.   Either benefits have to be reduced or more money has to be found.

18.   Guaranteed Social Security benefits would have to be reduced accordingly.

19.   He says benefits will have to be cut in any case.

20.   In recent years, the number of companies offering retiree health benefits has been shrinking.