21.   Looming over Zarb and his counterparts at other exchanges is the most sweeping makeover of financial markets in the last quarter century, experts say.

22.   Only in the last few centuries have dogs taken on a kinder look.

23.   Over the last several centuries for that matter, nothing has changed except for the surface of the road behind the green.

24.   Over the last few centuries, capitalism has been the heartiest contender in the global bout for economic supremacy.

25.   Over the last quarter century, public school sports in the city, and the physical education programs that helped underpin them, have been devalued and cast adrift.

26.   Over the last quarter century, affluent families have become increasingly able to insulate themselves from the rest of society.

27.   That changed in the last quarter century, as workers and their families became much more mobile, changing jobs and regions of the country more frequently.

28.   Taking over is putting it strongly, but the last quarter century has seen the emergence of female composers as serious professionals.

29.   The breakdown of public school athletics in New York City over the last quarter century was to a great extent a matter of impersonal forces and unintended consequences.

30.   The economic sea changes of the last quarter century have also made planning and enforcement much more difficult.