21.   New York state law requires a mutual company to hold an open hearing to explain its plans to policyholders, who then must give their approval.

22.   President Bush explains his plan, and the cost of security is debated.

23.   Pickering and the U.S. ambassador to the United Nations, Richard C. Holbrooke, visited members of Congress last month to explain the plan.

24.   President Bush explains his plan, and cost of security is debated.

25.   So she got on the phone and explained the plan.

26.   Stocks later recovered after it was announced that the Finance Minister would meet with foreign investors to explain the plan to stabilize the economy.

27.   The designers explain their plan.

28.   The company said it explained its plan to the Commerce Department and got no objection.

29.   The real surprise came with how clear and up front Roeser and Baylor were when explaining their plans to spend money and re-sign their top players.

30.   They did not hold a news conference or have their staffs conduct a briefing to explain the plan.