11.   Commercial banks have gained market share underwriting bonds, but such work makes relatively little money for the banks, the McKinsey study said.

12.   Companies are also replacing pension plans for directors with stock options, the study said.

13.   Compaq officials said marketing studies and focus groups show that consumers want this ability.

14.   Dodd generally supported the report, but he opposed a recommendation that Congress act quickly to deal with acid rain, saying more study was needed.

15.   Gotzsche and Olsen say this study, and four others, do not meet agreed-upon standards for well-conducted and reliable research.

16.   He said studies on redwood seedlings inoculated with the disease are expected to be completed this month and will probably answer those questions.

17.   Horn said a study several years ago by Warren Willingham, a researcher for Educational Testing Service, shows that personal attributes are not good predictors of student performance.

18.   Hypersensitivity to fish is a significant problem in several European countries, the study said.

19.   Investors are neglecting individual retirement accounts, and that means they are missing a good chance to beef up their retirement nest eggs, a new study said.

20.   Kennard said studies conducted by Teligent and others showed that it would need two to eight times more airwaves to operate the same system in the higher frequency band.