11.   The idea is to give retirees a financial incentive to avoid unnecessary care, yielding savings in the long term.

12.   The mayor did not say Wednesday whether the proposed consolidation of the health agencies would yield savings or result in any layoffs.

13.   The plan to cut costs, increase revenue and improve sales of its major brands will start to yield savings this year.

14.   The passes would not yield savings for everyone.

15.   The scorekeeper, the Congressional Budget Office, refused to assume that competition would yield savings.

16.   These costs could be so high, some critics say, that a real program would yield no savings at all.

17.   NTL expects the CWC acquisition to yield cost savings in equipment purchases and telephone charges and make it easier together with a greater ability to borrow funds.

18.   Republic National Bank and Marine Midland make a good fit, and consolidation of their back-office operations should yield cost savings, Pye said.

19.   The government hopes that the cease fire in the ethnic war would yield big savings.

20.   The government will not raise income tax to battle its budget deficit, but a truce with Tamil guerrillas will yield big savings, President Chandrika Kumaratunga said Friday.