21.   Although there is a reduction for taking benefits early, there is an increase for deferring them.

22.   Although Tempe voters authorized a half-cent sales tax increase for transit, a public referendum must be held before any of that money is spent on rail.

23.   An increase for airline attendants is to be ratified.

24.   American planned to change its rule to seven days instead of three, which essentially amounts to a fare increase for many travelers.

25.   Among the most eager is the insurance industry, which is blaming the escalating awards for the double-digit increases for basic coverage that many businesses are now facing.

26.   An increase for Sun Belt states would be a boon for companies that produce and sell aggregate materials such as Florida Rock Industries Inc. and Texas Industries Inc.

27.   An insurer that imposes big rate increases for sport utility vehicles could also drive many customers to rivals that do not raise rates.

28.   Analysts point to healthy sales increases for power distributor Manila Electric Co. and food and beverage manufacturer San Miguel Corp. as signs that manufacturing is strong.

29.   Analysts expect similar rate increases for other phone companies such as Bayan Telecommunications Holdings Corp., a unit of Benpres Holdings Corp., and Digital Telecommunications Philippines Inc.

30.   And its substantial Medicare business was also affected when Washington put a lid on increases for Medicare health maintenance organizations.