11.   BankBoston officials say they hope this fall to convince lawmakers that consumers will benefit more if the market is allowed to operate freely.

12.   BankBoston officials say they hope to convince lawmakers this fall that consumers will ultimately benefit more if the market is allowed to operate freely.

13.   But at least to some industry officials say the consumer is benefiting, because in some instances, programming has improved.

14.   But most Republicans contend that consumers would benefit by the legislation because the cost of products would come down as business insurance premiums and legal costs decline.

15.   But Nettie Hoge, head of Toward Utility Rate Normalization, said she was skeptical that all consumers would benefit as advertised.

16.   But the marketing agreement between Northwest and KLM offers an example of how consumers benefit from such relationships.

17.   But would consumers have benefited from the merger?

18.   But, as claims are reduced, rates will stabilize and all consumers will benefit, says Dave Hurst, public affairs liaison for State Farm Insurance Co.

19.   Consumers will also benefit from the new system, Freddie Mac officials said.

20.   Consumers would also benefit, she said, especially in small communities where they may have little more than a bank to choose from when handling their personal finances.