21.   Tuttle said Squier was ultimately responsible for the lax oversight of earthquake housing repair loans identified in the audit he released last week.

22.   While mid-Atlantic breeding grounds for the crabs have suffered from lax oversight, regulators have erred in the opposite direction in New England.

23.   With lax oversight from housing authorities, landlords have had little incentive to maintain buildings.

24.   Both sides agree the accounts have been mismanaged for decades, suffering from inconsistent or nonexistent record-keeping, poor investment choices and lax oversight.

25.   Investors still complain about inadequate disclosure by companies and lax oversight by regulators.

26.   Lax oversight led to embezzlement and bad loans.

27.   The report was brutally critical of mediocrity and lax oversight in the department, but did not call for outside review.