11.   A few weeks ago, however, Mrs. Kim got the shock of her life.

12.   But when Neuman asked for loan forms he got a shock.

13.   Cardinals fans got the shock of their lives.

14.   Congress may get a shock when it adds up the cost of replacing the most popular pieces of the current policies.

15.   Drive down Spencer Road in St. Peters, a suburb of St. Louis, and you will get a shock.

16.   Elena Wells, a retired supervisor for New England Telephone living in Medford, Mass., is one of many people getting sticker shock from falling rates.

17.   Ferrer got another shock the next day.

18.   Highly educated men also got a shock over that decade.

19.   Nevertheless, motorists are getting sticker shock.

20.   On Friday, the people who rode together got the shock of their lives when their train crashed into another in the swamplands of northern New Jersey.