11.   Spiders and WEBS combine the features of an index fund with the flexibility of a stock.

12.   SunAmerica is a leader in the thriving business of variable annuities, an investment that combines features of mutual funds and insurance.

13.   The Auto PC is about the size of a car radio and combines the features of an electronic organizer, pager, radio and compact-disc player.

14.   The book includes full rules for Booray, which combines features of poker and other games.

15.   The GMC Terracross, for instance, aims to combine features of an SUV, a truck and a sports car.

16.   The preferred shares are hybrid securities that combine features of bonds and stocks.

17.   The securities, which combine features of both debt and preferred stock, are in such high demand because of their fat payouts compared with conventional bonds.

18.   Federal regulators are warning investors to be wary about variable annuities, an increasingly popular way to save for retirement that combines features of mutual funds and insurance.

19.   It combines features of both the human ancestor Homo erectus and modern man, or Homo sapiens, the researchers said.

20.   Now a hybrid casino game that combines features of keno with the lottery games popular in other states has sent state regulators back to the rule book.