11.   Financial markets wanted a National-led government because that party is perceived as less inclined to spend than Labour.

12.   For years, the Assembly has pushed for more spending than the governor or the Senate, and it has justified that spending in part with higher revenue projections.

13.   Gore campaign officials say they feel enormous pressure because they have less to spend than the Republicans, who are spreading resources in more states.

14.   Generally, Federal Reserve officials are much more likely to discuss inflation, interest rates and government spending than get into the question of whether markets are fairly valued.

15.   Homes, with their large initial outlay for mortgages, furniture and other expenses, are a better barometer of consumer spending than rental apartments, he said.

16.   If correct, this means that the plunge in stock prices will have less of an effect on consumer spending than many fear.

17.   In fact, in some years, Congress authorized less spending than Reagan sought.

18.   Instead, the difference arises because Bush makes a much lower estimate of what Congress will spend than do the Office of Management and Budget and Gore.

19.   It may be easier for her to open up with a financial counselor about how her money is really spent than to talk to her sister and brother-in-law.

20.   It is urgent and can buy a lot more security per dollar spent than some of the extravagant Pentagon ideas.