11.   Merger speculation immediately focused on other firms, including top investment banks and second-tier companies, and more names were on the list than off it.

12.   Most speculation focuses on Mosbacher, expected to be omnipresent in television campaign commercials, and Greanias, the former controller and often a strident critic of Lanier.

13.   Most speculation focussed on PaineWebber, the brokerage firm that was until Wednesday widely thought to be working out a combination with Morgan Stanley.

14.   Perhaps the speculation should have focused on how the Tar Heels would play defense against the Utes.

15.   Right now, speculation focuses on two possible candidates.

16.   Speculation has focused on the possibility of the San Diego Chargers returning to Los Angeles.

17.   Speculation has focused on whether the envelope contains a knife like that witnesses said Simpson purchased before the killings.

18.   Speculation focused on former Republican Senator John Danforth of Missouri and former New Hampshire Sen. Warren Rudman, according to The Associated Press.

19.   Speculation focuses on, from left, Rev. Greg Laurie, Rev. Anne Graham Lotz, Dr. Luis Palau, and Bishop T.D. Jakes.

20.   Speculation has focused on Quest Communications and WorldCom, although most analysts say others may be interested.