11.   Having no way to pay, he became despondent, his family said.

12.   Having paid his respects, Smith put his arm around his wife and they walked away, headed for their car and the rest of their life together.

13.   In one case they cited, a Seaford diner is now paying one-third what it previously paid to have its garbage carted away.

14.   It also pays to have plenty of working capital.

15.   It pays to have friends in high places.

16.   It pays to have the gift of manners these days.

17.   It also pays to have an imagination and a certain shot-making ability, which Mickelson certainly has.

18.   It pays to have a little luck.

19.   San Antonio -- It pays to have connections.

20.   Since no one can accurately forecast which sectors of the market will do best, it pays to have some money in different areas.