11.   Because they include so many items, customers need to make sure they actually will use all the services they pay for in a bundle.

12.   A customer would need a credit card to set up an account.

13.   After one of the most disappointing years in its half-century existence, Fidelity Investments has decided that its mutual fund customers need a little hand-holding.

14.   All the customer would need is a hand-held telephone or battery operated computer to reach any other phone or terminal on Earth.

15.   But customers may need to be prodded to use online help.

16.   But customers will need to call for the premium promotional giveaways.

17.   But last summer, after acquiring a Florida software company to write applications that customers need to use its switches, management began giving more thought to its identity.

18.   But whether customers really need all that power remains to be seen.

19.   But while consumer watchdogs complain customers need a magnifying glass to read all the pint-size catches, companies sometimes do not tell customers about important details at all.

20.   By the same token, Gershon said, customers need to be realistic.