11.   Penalties have to be killed.

12.   The tax penalty has discouraged big insurers from moving their headquarters here and has driven several Georgia-based insurance companies out of other states.

13.   Pepoa complained that the penalties have the effect of a rate adjustment as they increased the cost of power sold to members.

14.   Although the penalty has had a deterrent effect on some, others are willing to take the risk because of the tantalising returns.

15.   Stiffer penalties have to be implemented, as the only way to get to these people is to hit their pockets.

16.   The Norwegians missed a total of nine targets, but hit them all after reloading and like the Germans did not have any penalty laps.

17.   The legislation must be strictly enforced, otherwise stiffer penalties would have no meaning.

18.   A second Hastings penalty had the French reeling.