11.   Despite new efforts to ease the requirements, recent events have further complicated the process.

12.   Disagreements between the House and Senate over the depth of spending cuts further complicate the process.

13.   Further complicating the process is the fact that substantial disagreements still remain between banks and insurance agents over how national banks can sell insurance products.

14.   His commitment to an All-Star series in Japan could complicate the process, however.

15.   Language barriers and illiteracy also complicate the process.

16.   Of course, specialty food exporting can cost twice as much to ship overseas, and sometimes the process is complicated by local customs regulations.

17.   The budget process could be complicated by the arrival of a new government.

18.   The complexity of the case is almost certain to complicate the process.

19.   The need for Gore to appear loyal to scandal-plagued Clinton as well as defend himself in the new fund-raising inquiry complicates the process.

20.   The more complicated the process, the less likely a person is to go through it.