11.   --Expands IRAs to allow penalty-free withdrawals for educational expenses and first-time home purchases.

12.   --Expand Individual Retirement Accounts to allow penalty-free rollovers and withdrawals for home purchases.

13.   For his first few months in office, Netanyahu seemed to be deferring the Hebron withdrawals for political reasons.

14.   Headaches and increased grogginess are frequent symptoms of withdrawal for caffeine, which is mildly addictive, Griffiths said.

15.   Individuals with IRAs could also make penalty-free withdrawals for first-time home purchases, catastrophic medical expenses and college educations.

16.   International funds saw withdrawals for a second consecutive month, though the pace of redemptions weakened.

17.   Netanyahu postponed the second withdrawal for security reasons after the last suicide bombings.

18.   President Bush has been urging a withdrawal for over two weeks.

19.   The bill also expands IRAs to allow penalty-free withdrawals for educational expenses and first-time home purchases.

20.   The pension and Social Security money currently provides for all my needs, and income from investments is reinvested, with the occasional withdrawal for overseas travel.