21.   Amtrak officials say they have improved productivity in several areas, including maintenance of way and telephone reservations, and that more savings are possible.

22.   Analysts said the tax savings are likely to draw some private investors from the government bond market into the mortgage, corporate and municipal bond markets.

23.   And personal savings are at an all-time low.

24.   And since savings are what fund investments, any policy that jeopardizes savings has critical implications for economic growth.

25.   And the tax savings can be substantial.

26.   And of course there were private savings, which for most people consisted mainly of houses.

27.   And the savings are incredible.

28.   As a general rule, cohousing is thought to cost more up front than conventional projects, but there are savings over the long haul.

29.   At ManagedComp, a hybrid company that combines traditional insurance and managed health care, executives believe there are large savings yet to be tapped.

30.   Be advised that substantial savings are available online.