11.   As it turned out, we did not have to liquidate the fund for that purpose, although we did use the income it produced.

12.   Because universities use the income from their endowments to defray costs, particularly to keep tuitions down, a low endowment means higher tuition and less financial aid.

13.   All income is used to operate and improve the gardens.

14.   By converting the fund to an endowment, the foundation will be able to use income from investments to pay for more scholarships.

15.   Columbia will put the money in endowment and use the income to recruit faculty in computer science, biomedical engineering, applied mathematics and electrical engineering.

16.   Dongarra used his income to help support a large pillared home in Milton from which he hung a Scottish flag.

17.   Insurers back their policies by using premium income to buy assets -- usually long-term, fixed-income investments -- that pay interest on a regular basis.

18.   Instead, the banks use the income from loans or other transactions with Czech companies to deliver swaps.

19.   Lewis confesses she could use the income.

20.   New York City this month began discussing a plan to finance laptop computers for its schoolchildren by using income from companies linked to a school-system Web site.