11.   Even so, retailers will likely get more consumers to stores, Swonk says, by offering an increasing amount of deferred billing and other financing offers.

12.   Five years ago, however, the retailer got a black eye when several states complained that its auto centers billed customers for unnecessary repairs.

13.   For one thing, retailers are getting more savvy about negotiating with liquidators.

14.   He said Microsoft is most interested in finding out where the retailers get their counterfeit product.

15.   It is consolidating, retailers are getting bigger and consumers are demanding food that is easier to prepare.

16.   It is difficult for online retailers to get access to popular items if one or two vendors control the market and keep a tight rein on their products.

17.   Local retailers already are getting the equipment.

18.   Many retailers get a big lift from Christmas.

19.   Most consultants say old-line retailers must get everyone in the company to back the Web campaign by promoting and supporting it through the stores.

20.   One reason U.S. catalog retailers can offer such bargains is because regulations make it costly for Japanese retailers to get merchandise to their stores.