21.   The benefit goes both ways, he said.

22.   The benefits will go to the big customers who require the largest amount of services, the group says.

23.   The benefit has gone mainly to small banks, which have been able to compete in the card business only because they carry the MasterCard or Visa logos.

24.   The benefits would go beyond saving consumers some money.

25.   The coalition said any benefits recovered could go toward limiting health insurance costs, bigger paychecks for participating workers, and instituting smoking-cessation programs.

26.   The federal and state governments split the cost of AFDC and Medicaid, so-called entitlement programs because the benefits go to all of the poor who qualify.

27.   The festival says the benefit will go on.

28.   The highest benefits go to the lowest incomes.

29.   The greater benefit goes to the lottery itself.

30.   The figure assumes that taxes will not go up and Social Security benefits will not go down.