21.   Changes include an increase in spousal IRA limits and an allowance for early penalty-free withdrawal.

22.   Changes include cutbacks at two airlines, a modest improvement at a third, and plans for an overhaul of the program by a fourth.

23.   Changes include demolishing part of an office building and replacing it with a new facade of shops and restaurants.

24.   Changes should include a low-cholesterol diet, more exercise and no smoking.

25.   Changes will include hiring one or more staffers to do formal, senior-level outreach to coalitions across the country.

26.   Changes include adding more rural recruiting stations, moving some offices from strip shopping centers to busy malls, and giving recruiters cell phones and computers.

27.   Changes being considered include a reduction in the reserve requirements, and a reduction in the minimum loan term to four years, from the current five years.

28.   Changes could include a new menu mix and a marketing campaign next year, Sterling said.

29.   Changes include expanding the kitchens and master bedrooms and baths and making basements, which are not in all the earlier homes, a standard feature.

30.   Clinton also has promised to veto that measure because of agency cutbacks and Medicare rate changes included in it.