21.   Investors in bank stocks owe a lot to Alan Greenspan.

22.   It owes a lot to Racine.

23.   Jacksonville owes a lot to kicker Morten Andersen of the Atlanta Falcons.

24.   Language mavens owe a lot to a madman.

25.   My latest collection of columns owes a lot to the folks I practiced on, especially my brother Ken and my sister Susan.

26.   Russian banks owe lots of dollars and are having trouble paying them back.

27.   So I owe a lot to Marge.

28.   That owes a lot to the commitment of the off-season training program.

29.   The NFL and Irvin owe a lot of people an explanation, but Chuck Levy should be at the top of the list.

30.   The recent proliferation of women mystery writers and female sleuths undoubtedly owes a lot to the series books.