11.   Determine in advance precisely what their fees cover.

12.   Find out what the fee covers.

13.   Fidelity says the fee it charges covers administrative costs and that it takes none of the interest.

14.   In conventional wraps, the fee covers asset-allocation advice and performance reports, as well as transaction, custodial and similar expenses.

15.   It is unclear whether the fee will cover the costs of registering the domain names.

16.   Its membership fee covers administrative costs of planned services.

17.   Or will you opt for a continuing-care retirement community, where an entry fee may cover nursing-home services?

18.   Reece said although PC Docs was invited to participate by Netscape, it declined because Netscape asked for a high fee to cover marketing costs.

19.   Shields said he did not know if the legal fees covered ethics matters or the IRS inquiry.

20.   Since most geisha live in established geisha houses, their fees must cover the house teachers, auxiliary staff and overheads.