21.   Consumers can use the old national currencies until the end of February in most countries, but stores and businesses are supposed to give all change in euros.

22.   Consumers can use a search engine to choose styles, colors and a price range, everything but sit on the couch.

23.   Consumers can use the machine to play DVD movies and audio CDs through their television and stereo system.

24.   Consumers could use the set-top boxes for e-mail, on-line shopping, research and other activities, as well as for television viewing.

25.   Consumers will use their credit cards to access network computers, using a private code number to access personal information, like bills or bank accounts, he said.

26.   Critics also say the system is too complicated for consumers to use easily.

27.   Consumers can use the service to get answers on real estate questions, chat on-line with realtors and scan listings of homes.

28.   Consumers could use a boost.

29.   Consumers generally use the debit cards for small purchases at grocery, liquor and other stores where they used to spend cash or write checks.

30.   Consumers increasingly are using debit cards instead of cash or checks to make purchases and to withdraw cash from automated teller machines.